Terms of Service
Effective Date:
3/01/25
Company Name: GFS Home Loans
Contact Email: [email protected]
Contact Phone: (405) 363-6694
1. Acceptance of Terms
By providing your contact information through our website or lead form and opting into communication, you agree to receive communications, including SMS or MMS messages, from GFS Home Loans and its representatives, including Stephen Bellew.
2. Messaging Consent
By submitting your phone number, you consent to receive text messages from us. These may be automated messages related to home loan services, appointment reminders, offers, updates, or other communications relevant to your inquiry.
Message frequency may vary.Message and data rates may apply.You can reply “STOP” at any time to unsubscribe.Reply “HELP” for assistance.
3. Eligibility
You must be at least 18 years old to use our services and provide consent for communications.
4. Disclaimer
Information provided via text messages or on our website is for informational purposes only and does not constitute financial advice, pre-approval, or loan guarantees.
5. Limitation of Liability
We are not responsible for any delays or failures in message delivery. Carriers are not liable for delayed or undelivered messages.
6. Changes to Terms
We reserve the right to update these Terms of Service at any time. Your continued use of our services after changes constitutes your acceptance of those changes.
There are a lot of loan options – let’s find the right one for you.
Conventional
Loans
FHA
Loans
Jumbo
Loans
USDA
Loans
VA
Loans
Additional Loan
Programs
Who's This Perfect For
First Time Home Buyers
Renters Ready to Buy
Refinancing
Mortgage Management
Self Employed
Veteran
Financial Planners
Move-Up Buyers
Investors & Rental Property Buyers
The answers to all your
mortgage questions...
Do I need to save for a 20% down payment?
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
What's the difference between an adjustable and a fixed rate mortgage?
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a down payment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
Can I access my home equity before I finish paying off my loan?
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.
What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payments anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
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