Terms and Conditions

Last updated: July 2, 2026

These Terms and Conditions govern your use of VAOTC.com, operated by Home Loans Inc: Jason Sharon, Mortgage Broker. By using this site, you agree to them. If you do not agree, please do not use the site.

Informational, not an offer

Everything on this site is for general information. Rates, payments, fees, and worked examples are estimates based on the assumptions shown and are not a Loan Estimate, an approval, or a commitment to lend. Nothing here guarantees a specific rate, term, or approval.

No guaranteed outcome

A VA One-Time Close construction loan only works when the whole deal works: your credit, your builder, and above all the appraisal math. We make no promise that you will qualify or that your project will appraise. Any loan is subject to credit approval, VA eligibility, investor guidelines, and lender guidelines.

Your responsibilities

• Give accurate, current information when you contact us or apply.
• Use the site lawfully and not to disrupt or misuse it.
• Keep your own login or application credentials secure.

Intellectual property

The content, design, and marks on this site belong to Home Loans Inc or its licensors and may not be copied or reused without permission.

Third-party links

We may link to other sites (such as application portals, NMLS Consumer Access, or the BBB). We are not responsible for the content or privacy practices of sites we do not control.

Limitation of liability

The site is provided "as is." To the fullest extent allowed by law, Home Loans Inc is not liable for any indirect or consequential damages arising from your use of the site.

Governing law

These terms are governed by the laws of the State of South Carolina, without regard to its conflict-of-laws rules.

Contact

Home Loans Inc is a licensed mortgage broker, not a lender. Loans subject to credit approval. Not a commitment to lend. Equal Housing Opportunity.