Terms of Use
Effective Date: August 31, 2026
Last Updated: August 31, 2026
Welcome to the website of Brown – A Legacy of Home Lending (“Brown,” “we,” “us,” or “our”).
These Terms of Use govern your access to and use of this website and the information, features, forms, tools, and services made available through it. By accessing or using this website, you agree to these Terms of Use.
If you do not agree with these terms, please discontinue use of the website.
1. Website for Informational Purposes
The information provided on this website is intended for general informational and educational purposes regarding mortgages, home financing, refinancing, homeownership, and related lending topics.
Nothing on this website should be interpreted as financial, legal, tax, investment, or accounting advice.
You should consult an appropriate professional regarding your individual circumstances when necessary.
2. No Commitment to Lend
Use of this website, submission of a contact form, request for information, telephone conversation, email, text message, or other communication with Brown – A Legacy of Home Lending does not constitute an application approval, loan approval, commitment to lend, guarantee of financing, or guarantee of any particular interest rate or loan terms.
Mortgage programs, rates, fees, terms, conditions, and eligibility requirements may change and may vary depending upon the borrower, property, loan program, market conditions, and other applicable factors.
All loans are subject to applicable underwriting, credit, income, asset, property, documentation, and program requirements.
3. Mortgage Calculators and Estimates
This website may provide mortgage calculators, payment estimates, affordability tools, educational examples, or other interactive resources.
Any results generated by these tools are provided for illustrative and informational purposes only.
Calculations may not include all taxes, insurance premiums, mortgage insurance, homeowners association fees, closing costs, prepaid expenses, interest adjustments, or other costs associated with obtaining or maintaining a mortgage.
Calculator results do not constitute a loan estimate, disclosure, quote, approval, or commitment to lend.
Actual loan terms and payments may differ.
4. Accuracy of Website Information
Brown – A Legacy of Home Lending makes reasonable efforts to provide useful and accurate information. However, mortgage markets, interest rates, lending programs, regulations, guidelines, and eligibility requirements can change.
We do not warrant that every piece of information on this website will always be complete, current, accurate, or applicable to your individual circumstances.
We reserve the right to modify, correct, remove, or update website content at any time without notice.
5. No Guarantee of Rates or Loan Programs
Any mortgage rates, payment examples, loan scenarios, programs, or financing options discussed on this website are for informational purposes unless specifically stated otherwise.
Rates and loan programs may be subject to change without notice.
Availability of a particular mortgage product or program is not guaranteed, and not every applicant will qualify for every program.
6. Information You Submit
You may have the opportunity to provide information through contact forms, mortgage inquiry forms, scheduling tools, or other features of this website.
You agree that information you provide will be accurate to the best of your knowledge and that you are authorized to provide the telephone number, email address, or other contact information submitted.
Information you provide through the website will be handled in accordance with our Privacy Policy and other applicable policies.
Please do not submit Social Security numbers, bank account information, passwords, credit card information, tax documents, or other highly sensitive financial information through a general website contact form unless specifically instructed to use an appropriate secure method.
7. Email and Telephone Communications
If you provide your telephone number or email address, Brown – A Legacy of Home Lending may contact you regarding an inquiry or service you requested, subject to applicable law and your communication preferences.
Providing contact information does not obligate you to obtain a mortgage product or service from us.
8. SMS Text Messaging
If you affirmatively consent to receive SMS or MMS text messages from Brown – A Legacy of Home Lending, those communications are also governed by our SMS Text Messaging Terms & Conditions.
Message frequency may vary. Message and data rates may apply.
You may reply STOP to opt out of applicable text messaging communications or HELP for assistance.
Consent to receive marketing text messages is not a condition of obtaining mortgage services.
9. Privacy and Cookies
Your use of this website is also subject to our Privacy Policy and Cookie Policy.
These policies explain how certain information may be collected, used, and managed when you interact with our website and services.
10. Third-Party Websites and Services
This website may contain links to, integrations with, or content provided by third-party websites and services.
These may include mapping services, video platforms, social media networks, scheduling systems, analytics providers, real estate resources, mortgage-related resources, or other third-party technologies.
Brown – A Legacy of Home Lending does not control and is not responsible for the content, security, accessibility, availability, accuracy, or privacy practices of third-party websites or services.
A link to a third-party website does not necessarily constitute an endorsement of that website, company, product, or service.
11. Intellectual Property
Unless otherwise indicated, the content of this website—including text, graphics, photographs, logos, branding, design elements, videos, icons, and other materials—is owned by, licensed to, or used with permission by Brown – A Legacy of Home Lending.
Website content may not be copied, reproduced, republished, distributed, modified, sold, or used for commercial purposes without prior authorization, except as permitted by applicable law.
12. Acceptable Use
You agree not to use this website in a manner that:
Violates applicable law or regulation
Attempts to gain unauthorized access to the website or related systems
Interferes with website security or operation
Introduces malicious software, viruses, or harmful code
Attempts to collect information about other users without authorization
Uses automated systems to improperly access, scrape, or interfere with the website
Misrepresents your identity or affiliation
Uses website content for unlawful, fraudulent, or misleading purposes
We reserve the right to restrict or terminate access to the website when we reasonably believe these Terms of Use have been violated.
13. Website Availability
We strive to keep our website available and functioning properly, but we cannot guarantee uninterrupted or error-free access.
Website functionality may occasionally be interrupted because of maintenance, technical problems, third-party service interruptions, security issues, or circumstances outside our control.
14. Disclaimer of Warranties
To the extent permitted by applicable law, this website and its content are provided on an “as is” and “as available” basis.
Brown – A Legacy of Home Lending makes no guarantee that the website will always be uninterrupted, error-free, secure, or free from harmful components.
Nothing in this section limits rights that cannot lawfully be waived or excluded.
15. Limitation of Liability
To the extent permitted by applicable law, Brown – A Legacy of Home Lending will not be liable for indirect, incidental, consequential, special, or similar damages resulting from your use of, or inability to use, this website or reliance upon general information provided through it.
Nothing in these Terms of Use is intended to exclude or limit liability where such exclusion or limitation is prohibited by law.
16. Equal Housing Opportunity
Brown – A Legacy of Home Lending is committed to fair and responsible lending and to providing qualified applicants equal access to mortgage lending opportunities without discrimination as prohibited by applicable law.
Additional licensing and Equal Housing Opportunity information is provided throughout this website.
17. Accessibility
We are committed to improving the accessibility and usability of our website for all visitors.
For additional information or to report difficulty accessing website content, please review our Accessibility Statement or contact us using the information below.
18. Changes to These Terms
We may modify these Terms of Use periodically to reflect changes to our website, services, technology, business practices, or applicable requirements.
Changes will become effective when posted to this website unless otherwise stated.
The “Last Updated” date at the top of this page will indicate the most recent revision.
Your continued use of the website following an update constitutes acceptance of the revised Terms of Use.
19. Governing Law
These Terms of Use are governed by applicable federal law and, to the extent applicable, the laws of the State of Illinois, without regard to conflict-of-law principles.
20. Contact Us
If you have questions about these Terms of Use or the use of this website, please contact:
Brown – A Legacy of Home Lending
Edwardsville Office
231 N Main St
Edwardsville, Illinois 62025
Call/Text: (618) 975-1923
Email: [email protected]