Terms of Use

Effective Date: February 14, 2026
Last Updated: February 14, 2026

1. Acceptance of Terms

By accessing or using the Acadiana Mortgage website and services, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our website or services.

2. About Our Services

Acadiana Mortgage of Louisiana, Inc. provides mortgage lending services, including home purchase loans, refinancing, and VA loans. All loan applications are subject to credit approval, and rates and terms are subject to change without notice.

3. Eligibility and Credit Approval

All loans are subject to credit approval. Submitting an application does not guarantee loan approval. Final loan terms, interest rates, and approval are determined based on:

• Credit history and credit score
• Income and employment verification
• Debt-to-income ratio
• Property appraisal and condition
• Other underwriting criteria

4. USA PATRIOT Act Compliance

In accordance with Section 326 of the USA PATRIOT Act of 2001, we are required to obtain, verify, and record information that identifies each person who opens an account. This means we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

5. Rates and Fees

Interest rates, annual percentage rates (APRs), and loan fees are subject to change without notice. Rate quotes provided are estimates only and are not guaranteed until locked in writing. Final rates and terms will be disclosed in your Loan Estimate and Closing Disclosure documents as required by federal law.

6. Website Use and Restrictions

You agree not to:

• Use our website for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Transmit viruses, malware, or other harmful code
• Scrape, harvest, or collect user information
• Impersonate any person or entity
• Interfere with the proper functioning of the website

7. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Acadiana Mortgage of Louisiana, Inc. or its licensors and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our express written permission.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of use of any third-party sites. We encourage you to review the terms and policies of any third-party sites you visit.

9. Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that our website will be uninterrupted, error-free, or free from viruses or other harmful components.

10. Limitation of Liability

To the fullest extent permitted by law, Acadiana Mortgage of Louisiana, Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services.

11. Electronic Communications Consent

By providing your email address and/or mobile phone number, you consent to receive electronic communications from us, including emails and SMS text messages regarding your loan application, status updates, and other important information. You may opt-out of marketing communications at any time.

12. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Louisiana, without regard to its conflict of law provisions.

13. Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the website. Your continued use of our website after changes are posted constitutes your acceptance of the modified terms.

14. Equal Housing Opportunity

Acadiana Mortgage of Louisiana, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status in our lending practices.

15. Contact Information

If you have questions about these Terms of Use, please contact us: