Terms and Conditions
Effective Date: April 23, 2026 | Last Updated: April 23, 2026
Welcome to Couch Home Loans. These Terms and Conditions ("Terms") govern your use of the website located at www.couchhomeloans.com (the "Site") and any related services, communications, or digital tools we provide. By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
1. Acceptance of Terms
By using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy and SMS Terms & Consent. These documents together constitute the complete agreement between you and Couch Home Loans regarding your use of the Site.
2. Eligibility
You must be at least 18 years old and legally capable of entering into a binding contract to use this Site or to apply for a mortgage through Couch Home Loans. By using the Site, you represent that you meet these requirements.
3. No Loan Commitment
4. No Professional Advice
Information on the Site is provided for general informational purposes only and does not constitute legal, tax, financial, or investment advice. You should consult with qualified professionals before making any financial decisions. Mortgage loans are complex transactions, and outcomes depend on your individual circumstances.
5. Equal Housing Opportunity
Couch Home Loans and Barrett Financial Group are committed to the letter and spirit of U.S. policy for the achievement of equal housing opportunity. We do not discriminate on the basis of race, color, religion, sex (including gender, gender identity, sexual orientation), national origin, familial status, disability, age, marital status, source of income, or any other basis prohibited by federal, state, or local law.
6. Use of the Site
You agree to use the Site only for lawful purposes. You agree not to:
- Submit false, inaccurate, or misleading information
- Attempt to gain unauthorized access to any portion of the Site or any connected systems
- Interfere with or disrupt the Site, servers, or networks
- Use the Site to transmit malware, viruses, or other harmful code
- Scrape, crawl, or harvest information from the Site without permission
- Impersonate any person or misrepresent your affiliation with any person or entity
7. Information You Submit
If you submit information through the Site (for example, through an inquiry form or loan pre-qualification request), you represent that the information is accurate and complete to the best of your knowledge. You understand that information you submit will be used as described in our Privacy Policy, including transmission to lenders, service providers, and regulators as necessary to respond to your inquiry or process a loan application.
Do not submit sensitive personal information (such as Social Security Numbers, bank account numbers, or copies of identification) through website forms or email. Use our secure borrower portal or another secure method for sensitive documents.
8. SMS / Text Messaging
If you opt in to receive text messages from Couch Home Loans, your participation in the SMS program is governed by our SMS Terms & Consent, which are incorporated into these Terms by reference. Messages are transactional only (loan updates, appointment confirmations, document reminders). You may opt out at any time by replying STOP.
9. Third-Party Links and Services
The Site may contain links to third-party websites or services, including our sponsoring broker Barrett Financial Group, lenders, and settlement service providers. We do not control and are not responsible for the content, privacy practices, or terms of third-party sites. Your use of any third-party site is at your own risk and subject to that site's terms.
10. Intellectual Property
All content on the Site — including text, graphics, logos, images, and software — is the property of Couch Home Loans, Barrett Financial Group, or respective third parties and is protected by copyright, trademark, and other laws. You may not copy, reproduce, modify, distribute, or create derivative works from Site content without prior written permission, except for personal, non-commercial use.
11. No Warranties
The Site and its content are provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or currency of information on the Site. All warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement, are expressly disclaimed to the fullest extent permitted by law.
12. Limitation of Liability
To the fullest extent permitted by applicable law, Couch Home Loans, Barrett Financial Group, and their respective officers, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, lost data, or business interruption, arising from or related to your use of the Site, even if we have been advised of the possibility of such damages. Our total liability arising from these Terms or your use of the Site shall not exceed one hundred dollars ($100).
Some jurisdictions do not allow exclusion of certain warranties or limitation of liability, so the above limitations may not apply to you in full.
13. Indemnification
You agree to indemnify, defend, and hold harmless Couch Home Loans, Barrett Financial Group, and their respective officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from your use of the Site, your violation of these Terms, or your violation of any rights of a third party.
14. Governing Law
These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-law principles. You agree that any dispute arising from or relating to these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Travis County, Texas, and you consent to the personal jurisdiction of those courts.
15. Changes to These Terms
We may update these Terms from time to time. The "Last Updated" date at the top reflects the most recent revision. Continued use of the Site after changes take effect constitutes your acceptance of the revised Terms. Material changes may be communicated through prominent notice on the Site.
16. Termination
We reserve the right to suspend or terminate your access to the Site at any time, for any reason, without notice. The provisions of these Terms that by their nature should survive termination (including intellectual property, disclaimers, limitations of liability, indemnification, and governing law) shall survive.
17. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.
18. Contact Us
If you have questions about these Terms, contact us:
Couch Home Loans
Charles Parker Couch, NMLS #2125403
Powered by Barrett Financial Group (NMLS #181106)
Email: pcouch@barrettfinancial.com
Website: www.couchhomeloans.com
These Terms are provided for general informational purposes and do not create an attorney-client relationship. For specific legal questions, consult a qualified attorney.