Terms and Conditions
The rules for using this Site and the book. It is informational only, not an offer or a commitment to lend.
Last updated: January 2026
These Terms and Conditions ("Terms") govern your use of vamortgagesdeclassified.com (the "Site"), operated by Home Loans Inc. By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
Informational purpose only
The content on this Site, including the book VA Mortgages Declassified, is provided for general informational purposes about the VA home loan benefit and mortgage products. It is not financial, legal, or tax advice, and it is not an offer, solicitation, or commitment to lend or to extend credit on any particular terms. It is not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency.
Nothing on this Site is a commitment to lend. All loans are subject to credit approval, income and asset verification, property appraisal, and underwriting. Rates, terms, and program availability can change at any time without notice.
No guarantee of loan terms or approval
Any rates, payments, or scenarios shown are estimates for illustration only. They do not constitute an approval, a rate lock, or a guarantee of any specific loan term, rate, or outcome. Your actual rate and terms depend on your individual circumstances, entitlement, and lender underwriting. We never guarantee approval.
The book
VA Mortgages Declassified is offered to you free as a digital copy when you request it, and is also available for purchase in paperback on Amazon. The book is educational. Reading it does not create a client relationship, a loan application, or any obligation.
Accuracy of information
We work to keep the Site accurate and current, but we make no warranty that the content is complete, error-free, or up to date. Information may change without notice. You should confirm any detail that matters to your decision directly with us before relying on it.
Your responsibilities
- Provide accurate information when you contact us or submit a form.
- Use the Site only for lawful purposes.
- Do not attempt to disrupt, damage, or gain unauthorized access to the Site.
Intellectual property
The content, design, logos, book text, and materials on this Site are owned by or licensed to Home Loans Inc and Jason Sharon and are protected by applicable law. You may not copy, reproduce, or redistribute Site content or the book without written permission, except for your own personal, non-commercial reference.
External links
The Site may contain links to third-party websites, including Amazon, lender portals, scheduling tools, and other resources. These links are provided for convenience. We do not control and are not responsible for the content, accuracy, or practices of any third-party site. Visiting a linked site is at your own risk.
Limitation of liability
To the fullest extent permitted by law, Home Loans Inc is not liable for any direct, indirect, incidental, or consequential damages arising from your use of, or inability to use, the Site, the book, or any content on it. The Site is provided "as is" without warranties of any kind, express or implied.
Governing law
These Terms are governed by the laws of the State of South Carolina, without regard to its conflict-of-law rules. Any dispute arising from the Site or these Terms will be subject to the jurisdiction of the state and federal courts located in South Carolina.
Changes to these Terms
We may update these Terms from time to time. The "Last updated" date above reflects the most recent revision. Your continued use of the Site after changes are posted means you accept the updated Terms.
Contact
Home Loans Inc: Jason Sharon, Mortgage Broker
2557 Ashley Phosphate Rd, North Charleston, SC 29418
(843) 569-7283 / 843.LOW.RATE | jason@homeloansinc.com