Terms of Service

ORELOAN (operating at oregongovernmenthomeloans.com) provides informational resources and referral services connecting Oregon residents with participating mortgage lenders and certified housing counselors. Submission of your contact or financial inquiry does NOT constitute a loan application, a pre-approval, a commitment to lend, or an offer of credit. All loan approvals, interest rates, program eligibility (including FHA, VA, USDA, and Oregon housing grants), and underwriting guidelines are determined solely by independent, licensed lending institutions in accordance with applicable federal and state guidelines.

By using our site, you agree to submit only accurate, complete, and verifiable personal information. You agree not to use automated crawlers, scrapers, bots, or unauthorized scripts to access or harvest data. Any misuse, false inquiries, attempts to circumvent site security, or unauthorized attempts to access our systems will result in immediate termination of access and potential civil or criminal liability.

All content published on ORELOAN—including educational text, worksheets, program breakdowns, graphic designs, logos, software scripts, and proprietary layout structures—is the protected intellectual property of ORELOAN and its licensors. You may download, view, and print informational sheets for personal, non-commercial use only. Republication, distribution, modification, or commercial exploitation without prior written consent is strictly prohibited.

The materials and calculators on this website are provided on an 'AS IS' and 'AS AVAILABLE' basis without warranty of any kind, whether express or implied. ORELOAN makes no representation that interest rates, program caps, or guidelines displayed are current or available at any specific time. Under no circumstances shall ORELOAN, its officers, directors, employees, or partners be liable for direct, indirect, incidental, or consequential damages resulting from your use of, or inability to use, this website or reliance on any material herein.

Our website contains links to external websites, including state housing authorities (such as OHCS), federal program sites (HUD/FHA, USDA Rural Development, VA), and third-party licensed mortgage lenders. ORELOAN has no control over the content, privacy practices, terms, or lending decisions of these third parties. Connecting with a partner lender through our portal establishes a direct relationship between you and that third party.

These Terms of Service, along with any disputes arising out of your use of ORELOAN or oregongovernmenthomeloans.com, are governed exclusively by and construed in accordance with the laws of the State of Oregon, without regard to its conflict of law principles. You consent to the exclusive jurisdiction and venue of the state and federal courts located in the State of Oregon for any legal action arising from these terms.