This Web Site and the materials and information on this Web Site are provided by US Realty Team. ("US Realty Team." or "we") and may be used for informational purposes only. By using this Web Site, you represent that you have read and understand these terms and conditions and agree to be bound by these terms and conditions. Furthermore, by using this Web Site, you represent that (i) you have the capacity to be bound by these terms and conditions and (ii) if you are acting on behalf of a company or other entity, you have the authority to bind such company or entity

If you do not agree to these terms and conditions, do not use this Web Site or download any materials from this Web Site. US Realty Team. may amend or revise these terms and conditions at any time. By using this Web Site, you agree to be bound by these terms and conditions as in effect from time to time. Please review these terms and conditions regularly.

Ownership of Materials

Except as otherwise indicated, this Web Site and its entire contents (collectively, the "Materials"), including, but not limited to, the text, information, material, software and graphics contained on this Web Site, are owned by US Realty Team and its affiliates. The Materials are protected by copyright, trademark and other intellectual property laws and treaties. US Realty Team. makes no proprietary claim to any third party names, trademarks or service marks appearing on this Web Site. Any third party names, trademarks, and service marks are the properties of their respective owners.

The Materials may not be copied, reproduced, modified, published, uploaded, downloaded, posted, transmitted, or distributed in any way, without US Realty Team.'s prior written permission. You may not (i) modify the Materials or use them for any commercial purpose, or any other public display, performance, sale, or rental, (ii) decompile, reverse engineer, or disassemble software materials, (iii) remove any copyright notice or other proprietary notices from the Materials, or (iv) transfer the materials to another person.

By posting a message or contributing in anyway to this Web Site, including, but not limited to, sending comments and e?mail, to this Web Site, you expressly grant US Realty Team the right to use in any way, copy, republish or sell your message or other contribution as part of its property.

US Realty Team. and the Web Site service provider servicing this Web Site for US Realty Team. reserves the right to change, update, discontinue, or restrict or prevent access to this Web Site or the Materials at any time without notice.

Disclaimer and Limitation on Liability

BY USING THIS WEB SITE, YOU ASSUME ALL RESPONSIBILITY AND RISK FOR THE USE OF THIS WEB SITE AND THE INTERNET GENERALLY. THE MATERIALS ARE PROVIDED "AS IS," WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OF ANY KIND, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT OF INTELLECTUAL PROPERTY, AND FREEDOM FROM ERRORS, VIRUSES, BUGS, OR OTHER HARMFUL COMPONENTS. IN NO EVENT SHALL US Realty Team. BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING WITHOUT LIMITATION ANY SPECIAL, INDIRECT, OR CONSEQUENTIAL DAMAGES, AND DAMAGES RESULTING FROM LOSS OF USE, DATA, OR PROFITS, OR BUSINESS INTERRUPTION) ARISING OUT OF THE USE OF OR INABILITY TO USE THE MATERIALS OR ANY HYPERLINKED WEB SITE, EVEN IF US REALTY TEAM OR ITS AFFILIATES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

This Web Site is intended to assist readers by providing real property and financial data, research and editorial information on real estate subjects and services. US Realty Team will not be responsible for any errors or omissions in the Materials or information provided on this Web Site, any articles or postings for hyperlinks embedded in messages, nor for any loss or damage caused by your reliance on information obtained on this Web Site or in a hyperlinked web site.

This Web Site provides information and advice based on our editorial content and advice of real estate and financial professionals. While US Realty Team believes such information and advice to be reliable, we make no claims or representations about the accuracy, reliability, timeliness, usefulness or completeness of such information or advice. All information and advice given on this Web Site is intended only to assist you with real estate and financial decisions. However, by nature such information is broad in scope. Your particular situation is unique and our information and advice may not be appropriate for your situation. Accordingly, US Realty Team. recommends that you get different opinions and seek the advice of your attorney, accountant, tax expert and other financial advisers who are fully aware of your individual circumstances before making any final decisions or implementing any strategy. You should not rely on any information or advice you obtain on this Web Site. Any reliance by you on any information or advice will be at your own risk.

This Web Site provides a bulletin board and other means for the public to contribute information and make statements. US Realty Team. does not make any endorsements of these statements nor representations that the statements are true and accurate. You should be cautious when acting on information provided by contributors to the bulletin board. You should not rely upon the information and opinions of the bulletin board. US Realty Team suggests you use the information on this Web Site as a starting point for educating yourself in the real estate processes of buying or selling a residential property and doing independent research on other companies and service providers that are the subject of this Web Site.

CASH REBATES & Loan Programs

"Cash Rebates" comparisons are based on a seller compensating a real estate buyer representative a 3% commission to be negotiated at time of contract. Loan programs may be subject to lender guidelines for buyer. Loan product guidelines may require seasoned monies paid from borrower verified funds at time of closing to receive full commission contribution at time of closing. Our standard program requires buyer make a minimum of a 5% down payment at time of closing. Commissions paid are negotiable and are subject to the seller's agreement for payment of compensation. Real estate buyer transaction fees are paid from the buyer at time of closing, and are also subject to negotiation with real estate agent at time of representation. US Realty Team also offers a Home Buyer Silver Program that pays 1% to 1.5% of commission towards closing costs as our non pre-paid program with full details disclosed to prospective home buyer at first face to face meeting. Interest Rates listed are subject to change without notice. Program guidlelines are subject ot change without notice. Home Buyers must qualify and provide all documentation requested in order to obtain pre-approval prior to approval. US Realty Team is also acting as a mortgage lender licensed in the State of Texas of which US Realty Team provides written disclosure to all clients. We encourage you to research other lenders and avaialble loan products including but not limited to interest rates and mortgage fees associated with the cost of loan origination. US Realty Team Real Estate Agents are licensed in the State of Texas under Broker License #426827. US Realty Team Lenders are licensed with the Texas Savings and Loan Department under Mortage Broker #4636, and are all Equal Opportunity Lender's.

Application Only (Not a Commitment)

I understand that this the application does not provide a commitment to led money. No oral statement shall constitute a loan commitment. If your application is approved, a separate, clearly defined loan commitment letter will be provided to you. No other written correspondence shall constitute a loan commitment. We not obligated to make the loan, unless a written commitment has been issued. There is no obligation to accept the loan until all terms and conditions indicated on said commitment.

Links to Third Party Sites

This Web Site contains links to third party sites. These links are provided for convenience purposes and are not under the control of US Realty Team or its affiliates. US Realty Team does not make any representations and warranties, express or implied, regarding the content of any of these linked sites. These links do not constitute or imply an endorsement, authorization, sponsorship or affiliation by US Realty Team with respect to any third party, any third party's web site, the content of any third party's web site, or any products or services provided by a third party.

Governing Law and Jurisdiction

These terms and conditions of use shall be governed by and construed in accordance with the laws of the United States of America and the State of Texas, without giving effect to any choice of law or conflict of law provision or rule (whether of the State of Texas or any other jurisdiction) that would cause the application of the laws of any jurisdiction other than the United States or the State of Texas. By using this web site, you consent to the jurisdiction of the state and federal courts of Collin County, Mckinney, Texas U.S.A. for any action or proceeding arising under or relating to these Terms of Use, this Web Site or the use of, or reliance on, this Web Site.