- FHA Rate Guide

Last Update: December 11th, 2022

PLEASE READ THE FOLLOWING TERMS & CONDITIONS CAREFULLY. By providing the information required by the FHARateGuide website(fharateguide.com) (the “Site”), you will be enabling FHARateGuide (“we,” “us” or “our”) to enroll you in the FHA Notification Program, and are deemed to have agreed to these terms and conditions (“Terms & Conditions”).

This Site is provided for personal, non-commercial use, subject to these Terms & Conditions of use and all modifications thereto, and any other rules or guidelines or rules that we may publish from time to time on this Site. We reserve the right to modify the Site and any element thereof, for any reason without notice. You should check these Terms & Conditions periodically for changes, as we also reserve the right to modify them at any time. The date of the most recent update of these Terms & Conditions is noted above. Your use of the Site following any modifications to these Terms & Conditions shall be deemed to be your assent to any such modifications.

Conditions for Use of the Site

As a condition to your visit and use of the Site, you represent and warrant that:

You are at least 18 years of age and possess the legal authority to enter into an agreement and to use the Site in accordance with these Terms & Conditions;
All information supplied by you is true and accurate (without limitation of the foregoing, the provision of any speculative, incorrect, misleading, false or fraudulent information is prohibited);
You understand and agree that FHARateGuide may use personally identifiable information and other information provided by, and aggregated information about, you and other users to perform the FHA Notification Program.
You understand that abuse of the Site may result in your being denied access to such Site, as determined by FHARateGuide in its sole discretion;
You will not:

Harvest, sweep, or use any other means, to collect information about users of the Site;
Use automated means, including spiders, robots, bots, scripts, crawlers, or the like, in connection with any activity on the Site;
Resell, assign, sublicense, otherwise transfer, or delegate your rights or obligations under these Terms & Conditions without the prior express written authorization of FHARateGuide;

Modify, publish, transmit, transfer or sell, reproduce, create derivative works from, distribute, perform, link, display or in any way exploit any Site content; or
Except as otherwise expressly permitted on the Site, use any information you may obtain from the Site to send any other person unsolicited messages, commercial or otherwise, by electronic, telephonic, postal or other means. FHARateGuide may reject any registration from any person with or without cause at its sole discretion. FHARateGuide reserves the right to terminate a user from the FHA Notification Program in the event that such user provides false or misleading registration information or otherwise violates any term of these Terms & Conditions (as determined by FHARateGuide in its sole discretion). Your status as a registered user creates only a customer relationship with us and does not create an employment relationship, an independent contractor relationship, an agency relationship, or any other relationship.

Terms of Service

You can cancel this service at any time. Just text "STOP" to 85818. After you send the message "STOP" to us, we will send you a reply message to confirm that you have been unsubscribed. After this, you will no longer receive messages from us. If you want to join again, just sign up as you did the first time and we will start sending messages to you again (We may send you up to two (2) messages per week).
If at any time you forget what keywords are supported, just text "HELP" to 85818. After you send the message "HELP" to us, we will respond with instructions on how to use our service as well as how to unsubscribe.
Participating carriers: AT&T, Verizon Wireless, Sprint, T-Mobile, U.S. Cellular, Boost Mobile, MetroPCS, Virgin Mobile, Alaska Communications Systems (ACS), Appalachian Wireless (EKN), Bluegrass Cellular, Cellular One of East Central, IL (ECIT), Cellular One of Northeast Pennsylvania, Cricket, Coral Wireless (Mobi PCS), COX, Cross, Element Mobile (Flat Wireless), Epic Touch (Elkhart Telephone), GCI, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri), Illinois Valley Cellular, Inland Cellular, iWireless (Iowa Wireless), Keystone Wireless (Immix Wireless/PC Man), Mosaic (Consolidated or CTC Telecom), Nex-Tech Wireless, NTelos, Panhandle Communications, Pioneer, Plateau (Texas RSA 3 Ltd), Revol, RINA, Simmetry (TMP Corporation), Thumb Cellular, Union Wireless, United Wireless, Viaero Wireless, and West Central (WCC or 5 Star Wireless).
T-Mobile is not liable for delayed or undelivered messages.
As always, message and data rates may apply for any messages sent to you from us and to us from you. If you have any questions about your text plan or data plam, it is best to contact your wireless provider. For all questions about the services provided by this short code, you can send an email to [email protected]
If you have any questions regarding privacy, please read our privacy policy.

Compliance With Law

By visiting this Site or enrolling on the Site, you agree to comply with all relevant local, state, provincial, and national laws and/or regulations that may be applicable to your visitation and/or participation in the Program

Third Party Promotions

The Site may display and make available content, promotions, advertisements, and offers provided by third parties, including the Partners (“Third Party Promotions”), as well as goods and services offered by third parties, including the Partners (“Third Party Products”). You understand and agree that we shall not be responsible and shall have no liability for any Third Party Promotion or Third Party Product or for your activities on any third party sites for whom we display offers (“Third Party Site Activity”), and that you participate in or choose to click on a Third Party Promotion, purchase and/or use a Third Party Product, or participate in a Third Party Site Activity solely at your own risk. You agree that your sole remedy in connection with any Third Party Promotion, Third Party Product or Third Party Site Activity will be with the applicable third party offering the Third Party Promotion, Third Party Product or Third Party Site Activity and that you shall have no remedy against us arising from your use of (or participation in), or inability to use (or participate in), any Third Party Promotion, Third Party Product or Third Party Site Activity.

Intellectual Property Rights

The Site contains intellectual property owned by FHARateGuide. As between FHARateGuide and you, FHARateGuide is the sole owner of the Site and all materials on or available through the Site, including without limitation, all applicable U.S. and non-U.S. copyrights, patents, trademarks, and trade secrets, and other intellectual property rights thereto (collectively, the “Site Content”).

Except as otherwise specifically provided in these Terms & Conditions, you may not download or save a copy of the Site content or any portion thereof, for any purpose; Except as otherwise expressly permitted herein, you may not modify, copy, publish, display, transmit, adapt or in any way exploit any portion of the Site content unless you first obtain prior written consent from us. To seek our permission, you may submit an inquiry to FHARateGuide at [email protected]. Any unauthorized attempt to modify any Site content, to defeat or circumvent our security features, or to utilize this Site for other than its intended purposes is strictly prohibited.

Linked Sites

You may be able to link to third parties’ websites (“Linked Sites”) from the Site. Linked Sites are not, however, reviewed, controlled or examined by FHARateGuide in any way and we are not responsible for the content, availability, advertising, products or other materials of any such Linked Sites, or any additional links contained therein. Except as otherwise noted on the Site, these links do not imply FHARateGuide endorsement of or association with the Linked Sites. It is your sole responsibility to comply with the appropriate rules and guidelines, if any, applicable to the use of the Linked Sites. In no event shall FHARateGuide be liable, directly or indirectly, to anyone for any loss or damage arising from or occasioned by the creation or use of links to the Linked Sites, the Linked Sites themselves, your participation in activities on such Linked Sites, or the information, material, products or services accessed through these Linked Sites. You should direct any concerns to that site’s administrator or webmaster. FHARateGuide reserves the exclusive right, at its sole discretion, to add, change, decline or remove, without notice, any feature or link to any of the Linked Sites from the Site and/or introduce different features or links.

Other sites may link to the Site only through a plain-text link. Permission must be granted by us for any other type of link. To seek our permission, you may submit a request to [email protected]. We reserve the right, however, to rescind any permission granted by us to link through a plain-text link or any other type of link, and to require termination of any such link to the Site, at our discretion, at any time.

Submissions

Any notes, postings, ideas, suggestions, concepts, or other material submitted through this Site via text message, email, or any means that we may create or provide in the future will become our property throughout the world and we shall be entitled (without compensation to any party) to use such material in perpetuity in any form and manner in any media, whether known or hereafter devised, and you will not have any claim against us with respect to such use. You agree that, in the event you make a submission to us, it is original with you and accurate and does not violate, and its use will not violate, the rights of any third party or any applicable law or ordinance.

Privacy Policy

The information collected and used on the Site is governed by the FHARateGuide Privacy Policy.

Infringement & Regulatory Complaints

FHARateGuide will cooperate with any law enforcement authorities and comply with any judicial order requesting or directing us to disclose the identity of anyone uploading, downloading, or posting materials, or otherwise using this Site in violation of any applicable federal, state, or local laws.

Disclaimer of Warranties

Except as expressly set forth herein, FHARateGuide is not responsible for any incorrect or inaccurate information or entry of information, whether caused by users of the Site or by any of the equipment or programming associated with or utilized in connection with the Site or the products or services provided on or through the Site, or by any technical or human error which may occur in the processing of information received by us. FHARateGuide assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or authorized access to, or alteration of, information received or submitted in connection with the Site. FHARateGuide is not responsible for any problems, errors or technical malfunction of any telephone network or lines, computer on-line systems, servers or providers, computer equipment, or software, or any failure of email on account of technical problems or traffic congestion on the Internet or at any website or combination thereof, including injury or damage to participants or to any other person’s computer related to or resulting from use of the Site or Site Content.

THIS SITE, INCLUDING THE SITE CONTENT IS PROVIDED “AS IS'' AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. WITHOUT LIMITATION OF THE FOREGOING, FHARATEGUIDE, AND ITS SUBSIDIARIES, PARTNERS, AGENTS, LICENSORS, ADVERTISERS, SUCCESSORS AND ASSIGNS SPECIFICALLY DISCLAIMS ANY AND ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO: (i) ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, APPROPRIATENESS, RELIABILITY, TIMELINESS, USEFULNESS, OR OTHERWISE OF THE SITE, AND THE SITE CONTENT; AND (ii) ANY WARRANTIES OF TITLE, WARRANTY OF NON-INFRINGEMENT, WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. FHARATEGUIDE DOES NOT WARRANT OR GUARANTEE (1) THAT ANY PORTION OF THE SITE OR THE SITE CONTENT WILL BE FREE OF INFECTION BY VIRUSES, WORMS, TROJAN HORSES OR ANYTHING ELSE MANIFESTING CONTAMINATING OR DESTRUCTIVE PROPERTIES; OR (2) THAT ACCESS TO THE SITE OR SITE CONTENT WILL BE UNINTERRUPTED OR ERROR-FREE.

SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES. IN SUCH JURISDICTIONS, THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU INSOFAR AS THEY RELATE TO IMPLIED WARRANTIES.

Limitation of Liability

IN NO EVENT WILL FHARATEGUIDE, ITS SUBSIDIARIES, PARTNERS, AGENTS, LICENSORS, ADVERTISERS, SUCCESSORS AND ASSIGNS AND THEIR RESPECTIVE OFFICERS, DIRECTORS, AND EMPLOYEES AND SHAREHOLDERS BE LIABLE TO ANY PARTY (i) FOR ANY INDIRECT, DIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF BUSINESS PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION, AND THE LIKE), OR ANY OTHER DAMAGES ARISING IN ANY WAY OUT OF THE AVAILABILITY, USE, RELIANCE ON, OR INABILITY TO USE THE SITE OR SITE CONTENT, EVEN IF ALL SUCH PARTIES SHALL HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE; OR (ii) FOR ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN, OR DESTRUCTIVE PROPERTIES OF THE SITE OR THE SITE CONTENT.

Indemnification

You agree to defend, indemnify and hold FHARateGuide, its parents, subsidiaries, partners, agents, licensors, advertisers, successors and assigns and their respective officers, directors, employees and shareholders harmless from any and all claims, liabilities, costs and expenses, including reasonable attorneys’ fees, arising in any way from, in connection with or as a result of your use or inability to use the Site and or Site Content, any information provided to you by the Site, or any violation of these Terms & Conditions by you.

YOU HEREBY AGREE TO WAIVE ALL LAWS THAT MAY LIMIT THE EFFICACY OF SUCH RELEASES. FOR EXAMPLE, YOU SPECIFICALLY AGREE TO WAIVE THE PROVISIONS OF CALIFORNIA CIVIL CODE SECTION 1542, WHICH PROVIDES “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IS KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR.”

You acknowledge and agree that, regardless of any statute or law to the contrary, any claim or cause of action you may have arising out of, or relating to, your use of the Site or Site content must be filed within one (1) year after such claim or cause of action arises, or forever be barred.

Applicable Laws / Jurisdiction

You agree that the laws of Texas, excluding its conflicts-of-law rules, shall govern your use of the Site, the Site Content, and these Terms & Conditions. Your use of the Site may be subject to other local, state, national, and international laws. You expressly agree that any dispute and/or claim arising out of or in connection with your use of and/or inability to use the Site and/or Site Content shall be heard in the County of Collin, State of Texas. You hereby knowingly, voluntarily, and intentionally waive, to the fullest extent permitted by applicable law, the right to trial by jury in any legal proceeding arising out of or relating to this Agreement or the transactions contemplated hereby. We control and operate this Site from our offices in the United States of America. We do not represent that materials on the Site are appropriate or available for use in other locations. Persons who choose to access this Site from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent local laws are applicable.

Miscellaneous

All of these Terms & Conditions shall be binding upon and inure to the benefit of the parties hereto and their respective successors and permitted assigns. If any provision of these Terms & Conditions is held to be invalid or unenforceable, such provision shall be modified or eliminated to the minimum extent necessary and the remaining provisions shall be enforced. These Terms & Conditions constitute the entire agreement between the parties hereto, and supersede any other agreement, promise, or practice between the parties relating to the subject matter hereto. We reserve the right to terminate these Terms & Conditions and/or to terminate your access to and ability to use the Site (or any portion thereof), at any time (with or without notice). No waiver by either party of any right hereunder shall constitute a waiver of this or any other right.

FHARateGuide.com

[email protected]

5717 Legacy Drive, Suite 250

Plano, TX 75024