Terms and Conditions

Terms and Conditions for https://liuhong.localhomebuyersolutions.com/

Last Updated: 02/13/26

1. Acceptance of Terms By accessing or using https://liuhong.localhomebuyersolutions.com/, you agree to comply with and be bound by these Terms and Conditions. If you do not agree to these terms, please refrain from using the website.

2. Definitions "Website" refers to https://liuhong.localhomebuyersolutions.com/. "User" refers to anyone accessing or using the Website. "Company" refers to NewFed Mortgage, the operator of the Website.

3. Age Restriction You must be at least 18 years of age to use this Website and our services, including receiving SMS/text messages. By using this Website, you confirm that you are at least 18 years old. If we become aware that a person under the age of 18 has provided us with personal information or opted in to receive text messages, we will take steps to remove that information and terminate any associated communications.

4. SMS/Text Messaging Terms

4.1. Description of SMS Use Cases By providing your mobile phone number and opting in, you consent to receive SMS/MMS text messages from NewFed Mortgage. These messages may include, but are not limited to:

Appointment reminders and scheduling confirmations

Loan application status updates and notifications

Responses to your inquiries and customer service communications

Promotional offers, updates, and marketing messages related to our services

4.2. Message Frequency Message frequency may vary depending on your interactions with us and the services you have requested. You may receive recurring messages.

4.3. Message and Data Rates Message and data rates may apply. Please consult your mobile carrier's pricing plan for details. NewFed Mortgage is not responsible for any messaging or data charges incurred by your mobile carrier.

4.4. Opt-Out Instructions You may opt out of receiving text messages at any time by replying STOP to any text message you receive from us. After texting STOP, you will receive a single confirmation message, and no further messages will be sent unless you re-subscribe. You may also opt out by contacting us directly at [email protected] or .

4.5. Help For help or more information regarding our text messaging program, reply HELP to any message you receive from us, or contact us at [email protected] or .

4.6. Carrier Liability Disclaimer NewFed Mortgage, mobile carriers, and any service providers involved in delivering text messages are not liable for delayed, undelivered, or misdirected messages. Delivery of text messages is subject to the effective transmission by your mobile carrier and is outside of our control. T-Mobile, AT&T, Verizon, and all other mobile carriers are not liable for any delays, failures to deliver, or errors in the content of SMS/MMS messages. NewFed Mortgage makes no guarantees regarding the availability, timeliness, or accuracy of SMS messages sent or received.

4.7. Consent Consent to receive text messages is not a condition of purchasing any goods or services from NewFed Mortgage. You may choose not to opt in to text messaging and still use our Website and services.

5. Loan Information The information provided on this Website is for informational purposes only and should not be considered as financial advice. Loan Officers may offer information regarding various loan products, but Users should consult with a financial advisor or a qualified professional before making any financial decisions.

6. User Responsibilities Users agree to use the Website in compliance with all applicable laws and regulations. Users shall not engage in any unlawful or unauthorized activities on the Website, including but not limited to attempting to access restricted areas, transmitting viruses, or attempting to interfere with the security of the Website.

7. Privacy Policy Use of the Website is also governed by our Privacy Policy, which can be found at https://liuhong.localhomebuyersolutions.com//privacy-policy. Our Privacy Policy is incorporated herein by reference and explains how we collect, use, and protect your personal information, including information collected through SMS opt-in. Please review our Privacy Policy for full details.

8. Intellectual Property All content on the Website, including but not limited to text, images, logos, and graphics, is the property of NewFed Mortgage and is protected by applicable intellectual property laws. Users may not use, reproduce, or distribute any content from the Website without prior written consent from NewFed Mortgage.

9. Limitation of Liability NewFed Mortgage and its Loan Officers shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in any way connected with the use of the Website or SMS messaging services. Users assume all responsibility for any risks associated with their use of the Website.

10. Modifications NewFed Mortgage reserves the right to modify or update these Terms and Conditions at any time. Users are encouraged to review these terms periodically for changes. Continued use of the Website or SMS services after modifications constitutes acceptance of the updated Terms and Conditions.

11. Termination NewFed Mortgage may, at its discretion, terminate or suspend a User's access to the Website or SMS messaging services without notice for any reason, including but not limited to violation of these Terms and Conditions.

12. Governing Law These Terms and Conditions shall be governed by and construed in accordance with the laws of Texas. Any disputes arising from or related to these terms shall be subject to the exclusive jurisdiction of the courts in Texas.

13. Contact Information For questions or concerns related to these Terms and Conditions or our SMS messaging program, please contact us at:

NewFed Mortgage [email protected]

By using https://liuhong.localhomebuyersolutions.com/, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.