Terms of Use
Originally adopted: 15 June 2026
Current version effective: 01 October 2026
Acceptance of Terms
By accessing or using this website (“Site”), you agree to be bound by these Terms of Use (“Terms”) and all applicable laws and regulations. If you do not agree, you must not use this Site.
Not a Commitment to Lend
All information provided on this Site is for informational purposes only and does not constitute:
- A commitment to lend
- A loan approval or pre-approval
- An offer to enter into any loan agreement
All loan applications are subject to underwriting approval, credit review, and property evaluation.
Eligibility
You must be at least 18 years old and legally able to enter into contracts to use this Site. By using this Site, you represent that you meet these requirements.
Use of the Website
You agree to use this Site only for lawful purposes. You may not:
- Submit false or misleading information
- Attempt to gain unauthorized access to systems
- Use the Site for fraudulent or illegal activity
- Interfere with the operation or security of the Site
Loan Applications and Information Accuracy
If you submit information through this Site (including pre-qualification or application forms), you agree that:
- All information provided is accurate and complete
- You will update information if it changes
- We may verify your information through third parties
Providing false information may result in denial of your application.
Credit Reports
We obtain your consumer credit report only after you apply for a loan and give specific authorization as part of the application process. Browsing this Site, submitting a contact form, or scheduling a call does not authorize us to obtain your credit report.
No Financial or Legal Advice
The content on this Site is for general informational purposes only and should not be considered:
- Financial advice
- Legal advice
- Tax advice
You should consult qualified professionals before making financial decisions.
Intellectual Property
All content on this Site, including text, graphics, logos, and software, is the property of Sky Creek Lending, LLC or its licensors and is protected by applicable intellectual property laws.
You may not reproduce, distribute, or create derivative works without prior written consent.
Third-Party Services and Links
This Site may contain links to third-party websites or services. We are not responsible for:
- The content of third-party sites
- Their privacy practices
- Any damages resulting from their use
Use of third-party services is at your own risk.
Disclaimer of Warranties
This Site is provided “as is” and “as available.” We make no warranties, express or implied, including but not limited to:
- Accuracy or completeness of information
- Availability or uninterrupted access
- Fitness for a particular purpose
Limitation of Liability
To the fullest extent permitted by law, Sky Creek Lending, LLC shall not be liable for any damages arising out of or related to:
- Use or inability to use the Site
- Errors or omissions in content
- Unauthorized access to your information
Indemnification
You agree to indemnify and hold harmless Sky Creek Lending, LLC, its officers, employees, and affiliates from any claims, damages, or liabilities resulting from your use of the Site or violation of these Terms.
Privacy
Your use of this Site is also governed by our Privacy Policy, which describes how we collect and use your information.
Electronic Communications
When you contact us through this Site or by email, we may respond to you electronically. Loan disclosures and loan documents are delivered electronically only after you give separate, affirmative consent to electronic delivery during the application process. You may request paper copies at any time.
Texas Disclosures
Texas Consumer Complaint and Recovery Fund Notice
TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML’S WEBSITE: SML.TEXAS.GOV.
Regulatory Disclosure
Sky Creek Lending, LLC NMLS # 2856935 is licensed by the Texas Department of Savings and Mortgage Lending.
Equal Housing Opportunity
Sky Creek Lending, LLC is an Equal Housing Opportunity mortgage broker.
We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), familial status, disability, receipt of income from any public assistance program, the good-faith exercise of any right under the Consumer Credit Protection Act, or any other prohibited basis under applicable law.
NMLS Consumer Access
For more information about our company and licensing, please visit:
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to conflict of law principles.
Changes to These Terms
We reserve the right to modify these Terms at any time. Changes will be effective upon posting to this Site with an updated effective date.
Contact Information
Sky Creek Lending, LLC
700 Parker Square Rd, Suite 255
Flower Mound, TX 75028
info@skycreeklending.com
(469) 966-8705
NMLS ID: 2856935