Terms of Use

Acceptance of Terms

By accessing or using the Colt Lending website (coltlending.com), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this website. Colt Lending is the personal brand of Ben Eddy (NMLS #2032978), a licensed mortgage loan originator operating under Edge Home Finance, LLC (NMLS #891464).

Use of This Website

This website is provided for informational and educational purposes only. The content on this site does not constitute a loan commitment, pre-approval, or guarantee of any specific loan terms. All mortgage products and services described are subject to qualification, underwriting approval, and applicable regulatory requirements.

You agree to use this website only for lawful purposes and in a manner that does not infringe on the rights of, or restrict or inhibit the use and enjoyment of, this website by any third party.

No Guarantee of Rates or Terms

Interest rates, loan programs, and terms displayed on this website are for illustrative purposes and are subject to change without notice. Actual rates and terms depend on a variety of factors, including but not limited to: credit score, loan-to-value ratio, property type, occupancy, loan amount, and current market conditions. A formal rate lock is required to guarantee specific pricing and is only available after a complete application and underwriting review.

Licensing & Regulatory Information

Ben Eddy is a licensed mortgage loan originator (NMLS #2032978) operating under Edge Home Finance, LLC (NMLS #891464). Edge Home Finance is licensed to conduct mortgage business in the states where Colt Lending operates, including Texas, Tennessee, and Oklahoma. You can verify licensing information through the Nationwide Multistate Licensing System at nmlsconsumeraccess.org.

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Colt Lending or its content suppliers and is protected by United States and international copyright and trademark laws. The Colt Lending name, logo, and all related marks are trademarks of Ben Eddy / Colt Lending. You may not reproduce, distribute, modify, or create derivative works from any content on this site without prior written consent.

Third-Party Links

This website may contain links to third-party websites or services, including lender portals, scheduling tools, and application platforms. These links are provided for your convenience and do not constitute an endorsement or guarantee of the linked content. We are not responsible for the privacy practices, content, or accuracy of third-party sites. Your use of third-party services is governed by their respective terms and policies.

Disclaimer of Warranties

This website and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the site will be uninterrupted, error-free, or free of viruses or other harmful components. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

To the maximum extent permitted by applicable law, Ben Eddy, Colt Lending, and Edge Home Finance, LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this website or reliance on any information provided herein. This includes, without limitation, damages for loss of profits, data, or other intangible losses, even if we have been advised of the possibility of such damages.

User Submissions

Any information you submit through this website, including contact forms, applications, or email communications, is subject to our Privacy Policy. You represent that any information you provide is accurate and complete. Providing false or misleading information on a mortgage application is a federal crime under 18 U.S.C. § 1014.

Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the State of Texas, without regard to conflict of law principles. Any disputes arising from or related to these terms or your use of this website shall be resolved in the state or federal courts located in Tarrant County, Texas.

Changes to These Terms

We reserve the right to modify these Terms of Use at any time. Changes become effective immediately upon posting to this page. Your continued use of the website after any changes constitutes acceptance of the revised terms. We encourage you to review these terms periodically.

Contact

Questions about these Terms of Use? Reach out: