Terms of Use

Information only

The content on this site is general information about residential mortgage financing. It is not financial, tax, or legal advice, and it should not be relied on as advice for your specific situation.

Not an offer of credit

Nothing on this site is an offer of credit or a commitment to lend. Loan approval requires a complete application, documentation, and underwriting review, including verification of credit, income, assets, and a satisfactory property appraisal.

State licensing and solicitation

This site is not a solicitation for business in any state where Troy Ragland is not licensed, and it is expressly not intended to solicit business in New York.

Troy Ragland is a licensed mortgage loan originator. Licensing details available on request — see Disclosures. This site is not intended to solicit business in New York.

Availability and changes

Loan product availability, program guidelines, and terms vary by state, property type, and borrower profile, and are subject to change without notice. We may modify or discontinue any part of this site at any time.

Third-party vendors and links

Vendor listings and outbound links are provided for convenience only. They are not endorsements, recommendations, or guarantees of any third party's services, and we are not responsible for third-party content or conduct. You are free to choose any provider.

Limitation of liability

This site is provided "as is" without warranties of any kind. To the fullest extent permitted by law, Troy Ragland is not liable for any indirect, incidental, consequential, or punitive damages arising out of your use of, or inability to use, this site or its content.

Changes to these terms

These terms may change. Continued use of the site after an update means you accept the revised terms. Last updated September 21, 2026.

Contact

Questions about these terms may be sent to troy@troyhomeloans.net.