1. Acceptance of these Terms
These Terms of Service ("Terms") govern your access to and use of www.virtueloans.com and any related landing pages, forms, tools, and services offered by Virtue Loans ("we," "us," "our"). By accessing or using the site or contacting us through any channel — phone, text, email, WhatsApp, Facebook Messenger, Instagram — you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the site.
2. About our services
Virtue Loans is a licensed mortgage brokerage. We help families navigate mortgage options, identify grant and down-payment-assistance programs they may be eligible for, and, if appropriate, connect them with lender partners who can underwrite and fund a loan.
Our website also publishes educational content, event information, and interactive tools (such as our Grant Finder report). These are provided for general informational purposes.
3. Equal Housing
Virtue Loans supports equal housing opportunity. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, source of income, or any other protected class under federal, state, or local law.
4. Eligibility
You must be at least 18 years old and a U.S. resident (or otherwise legally authorized) to use our services. By submitting an inquiry or application, you represent that the information you provide is true and accurate to the best of your knowledge.
5. Your account and communications
When you contact us, you consent to receive communications from Virtue Loans about your inquiry or loan file by phone, SMS, email, and any messaging channel you initiated (for example, WhatsApp, Messenger, or Instagram Direct).
You can opt out of marketing communications at any time. Marketing emails include an unsubscribe link; text messages accept STOP to opt out. Transactional messages related to an active loan file may continue as needed to service your loan.
6. Acceptable use
You agree not to:
- Provide false, inaccurate, or fraudulent information on any form.
- Use the site to harass, threaten, defame, or impersonate any person.
- Upload viruses, malware, or any code that could interfere with the site or our systems.
- Scrape, copy, or republish substantial portions of the site for commercial use without written permission.
- Interfere with or attempt to gain unauthorized access to any part of the site, its security features, or other users' accounts.
- Use the site in any way that violates applicable law.
7. Intellectual property
All content on the site — including the Virtue Loans name and logo, the design, copy, photography, reports, tools, and underlying code — is owned by Virtue Loans or licensed to us and is protected by copyright, trademark, and other laws. You may view and print copies for personal, non-commercial use. Any other use requires our written permission.
8. Third-party links and services
The site links to third-party websites, tools, and platforms (for example, Calendly, Meta, Google, lender portals). We do not control those services and are not responsible for their content, terms, or privacy practices. Using them is at your own risk.
9. Disclaimers
The site and its content are provided "as is" and "as available." To the fullest extent permitted by law, Virtue Loans disclaims all warranties, whether express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy.
Grant eligibility, loan programs, and rates change frequently. Information on the site may not reflect the most recent program rules. Confirm eligibility with Virtue Loans or the administering agency before relying on any program description.
10. Limitation of liability
To the fullest extent permitted by law, Virtue Loans and its officers, employees, and affiliates shall not be liable for indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the site or our services, even if advised of the possibility of such damages. Our aggregate liability to you for any claim shall not exceed the amount of fees (if any) you paid to Virtue Loans for the specific service that gave rise to the claim, or one hundred U.S. dollars ($100), whichever is greater.
11. Indemnification
You agree to indemnify and hold harmless Virtue Loans from any claims, losses, liabilities, damages, and expenses (including reasonable attorneys' fees) arising out of (a) your breach of these Terms, (b) your misuse of the site, or (c) your violation of any law or the rights of another.
12. Changes to the site and to these Terms
We may update the site, add or remove features, or change these Terms at any time. When we make material changes, we will update the "Last updated" date. Your continued use of the site after a change means you accept the updated Terms.
13. Governing law and disputes
These Terms are governed by the laws of the State of New Jersey, without regard to its conflict-of-law principles. You and Virtue Loans agree to the exclusive jurisdiction of the state and federal courts located in New Jersey for any dispute that is not subject to informal resolution.
Before filing a formal claim, please contact us at samwell@virtueloans.com so we can try to resolve the issue directly.
14. Severability
If any part of these Terms is held unenforceable, the remaining provisions will stay in full force and effect.
15. Contact us
Virtue Loans
Email: samwell@virtueloans.com
Phone: (201) 551-8363
Web: www.virtueloans.com