Terms and Conditions

USDA-HomeLoan.us (Last Updated: March 25, 2013)

This Agreement is a Legally Binding Document: Please Read Carefully

Your usage of our website, it’s contents, and any and all services that we provide, is your express indication to us that you agree to be bound by each and every term and condition contained in this Agreement. It is important to you that you completely read and understand each term and condition contained within this Agreement..


Our website may contain unintended errors or erratum, which we hereby disclaim. We reserve the right to make modifications to text, video, audio, graphics, including any and all language regarding tools, services, and offers that we make, with no prior notice to you. All content provided on or via this website, as well as any related service, offer, product or tool is provided “As is” and “Where Is” and USDA Loan.us and it’s participating lenders hereby disclaim any warranty of any kind, including express and implied warranties USDA LOAN.US AND ALL PARTICIPATING LENDERS ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR LOSSES, OR ANY OTHER INJURY, EVEN IF NOTICED OF THE SAME IN ADVANCE, FROM YOUR USAGE OF THIS WEBSITE, OR ANY TOOL, SERVICE OR PRODUCT THAT WE PROVIDE.


Our site is secure. We do not examine your credit history or related records simply because you submit information about you to our website. Loan Request Services

USDA-HomeLoan.us (USDA-HomeLoan.us) is owned by Cogent Development, Inc, a Washington Corporation. Depending on various factors, we may not be able to directly assist you regarding your request and we may forward you to another USDA approved lender. By submitting your information to us, you are expressly agreeing that we may forward your information to a third party USDA lender of our selection, which we do in the interest of serving your needs. We do not at any time perform a credit check or examine your credit history. You will receive a phone call from a USDA approved lender at which time you will be asked for a reasonable amount of additional information needed for the potential processing of your request. You always have the right to refuse to provide such additional information if you wish to decline loan related services and you may choose to refuse to give the lender permission over the telephone to examine your credit history and credit ratings.

Terms Applicable to All Loan Request Services

We do not endorse or recommend any particular or individual product that may be offered by any lender we recommend you to. We do not promise that you will receive a loan offer or if you do, what the terms and conditions, including interest rates, pre-payment penalties and other factors may or may not be present in any loan offer that you may receive. When you make your decision about accepting any particular loan offer you must conduct your own evaluation, due diligence and obtain, if you feel it is appropriate, the advice of a licensed attorney, loan broker, or other suitable professional prior to signing any related loan documents or other documents needed to close your loan. The lender you choose to do business with is solely responsible for the services they offer including any and all State, Federal and local laws and regulations. You understand and agree that USDA-HomeLoan.us is in no way liable for any costs or damages incurred while doing business with the lender(s) we share your information with. Furthermore, you understand that the lender(s) we share your information with may keep your loan related information, including your personally identifiable information, copies of any documents you have completed, and your credit rating and credit history related information in perpetuity if you have ultimately refused any related loan or have failed to qualify for any related loan you have sought.

The USDA-HomeLoan.us website and the contents and services provided herein are available only in regards to real property in all fifty states and Washington, D.C. Loans will only be made on real property located in states where participants are licensed to conduct mortgage lending related services and business.

No Fees or Costs to You

We do not charge you a fee to use our online services. We are paid a fee by participating lenders for the services that we provide to you and to them. By using the services provided by the USDA-HomeLoan.us website you are agreeing to this USDA -Homeoan.us/Lender compensation arrangement.

Disclaimer of Errors and Delays

USDA-LoanLoan.us is not responsible for any errors or delays in responding to your loan request form due to inaccurate information provided by you and we shall be liable for any delay or failure in performance due to Force Majeure, which shall mean acts of God, earthquake, labor disputes, changes in law, regulation or government policy, riots, war, fire, flood, insurrection, sabotage, embargo, epidemics, acts or omissions of vendors or suppliers, transportation difficulties, unavailability of interruption or delay in telecommunications or third party services (including DNS propagation), failure of third party software or hardware or inability to obtain raw materials, supplies, or power used.

Privacy Issues


We are not liable for the privacy of any email address, registration or identification information, data storage, communications, trade secrets, or any other content stored in our database or transmitted through our services.


You will indemnify us and hold us harmless, including our parent organization, participating lenders, subsidiaries, affiliates, officers and employees harmless, including costs, fees, damages and reasonable attorney’s fees, from any claim or demand made by any third party due to or arising out of your use of our tools or services and or any action you have taken relating to your use of our Web Site and the related tools and services.

Privacy Policy

We have published a privacy policy. The privacy policy is hereby incorporated by reference into this Agreement as if fully set forth herein.

Further Limitations of Liability

Our parent entity and its officers, employees, agents, participating lenders and assigns will not be liable for any damage or injury caused by the use of this site, including but not limited to failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, or on-line failure.

Release of User Data

We may keep and use for our own purposes all information and data that the user provides us, including site demographics and contact and billing information. User agrees that this information is freely transferrable by us and may include personally identifying information. Such information may be released by us to entities in jurisdictions that have less restrictive laws regarding privacy than the United States has.

We disclaim all responsibility and will not be liable to user for any such disclosure of information to any third party or entity. We may share aggregate information that is not personally identifiable with our advertisers, publishers, partners and any other third parties.


If any provision of this Agreement are found to be unenforceable or invalid, that provision(s) the remaining provisions shall be valid and enforceable. This Agreement is not transferrable by Subscriber but is fully and without limitation of any nature transferrable and assignable by us.

No Agency

No agency, partnership, employment or joint venture is created by this Agreement. Each party is an independent contractor as to the other party. User has not ability to represent or bind us in any way.



If you believe that your work has been copied in a way that constitutes copyright infringement, or your intellectual property rights have been otherwise violated, please notify our agent for notice of claims of copyright or other intellectual property infringement (“Agent”), at



Copyright Agent
12012 NE 150th Circle
Suite 1649
Brush Prairie, WA  98606-1649

Please provide our Agent with the following Notice:

  1. Identify the material on our site that you claim is infringing, with enough detail so that we may locate it on the website;
  2. A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
  3. A statement by you declaring under penalty of perjury that (1) the above information in your Notice is accurate, and (2) that you are the owner of the copyright interest involved or that you are authorized to act on behalf of that owner;
  4. Your address, telephone number, and email address; and
  5. Your physical or electronic signature.

We will remove the infringing posting(s), subject to the procedures outlined in the Digital Millennium Copyright Act (DMCA).

Intellectual Property Provisions

All content provided within or via this site is protected by various USA and international copyright laws, patent laws, trademark regulations and laws, and various intellectual property laws and international treaties and agreements. No intellectual property of any nature contained within or via this Site may be copied, published, or broadcast in any way without the written permission of the content owner. The content of this Site may not be “framed” or “mirrored. All content on this site is protected by USA copyright laws.

Termination of Service

We reserve the right to terminate any and all service provided to you (either as a group or as an individual user or member) at any time without notice for any reason we deem fit. We also reserve the right to discontinue any service or modify any service with no notice to you.

Equitable Orders

You agree that monetary damages may not adequately provide a remedy for us if you violate any of the terms and conditions of this Agreement and you agree that we may approach a Court of Equity of competent jurisdiction for the purpose of obtaining Orders in Equity should you violate any element of this Agreement.

Automatic Viewing or Usage of this Site

You may not use any automated scripts or “robots” to access, copy, or manipulate any content provided on this site. You may not engage in denial of service attacks upon the servers that publish this Site. You may not engage in any content that uses more than .01% of the hardware and software infrastructure of this Site.

Links to Third Party Sites

We may provide links to third party sites; however, we are not responsible for the content of such sites or their terms of use or privacy policies. Please carefully review the terms of service and privacy policies of all such sites prior to usage. You assume the risk of any usage of such third party sites.

You understand and agree that use of the Internet means that you are subject to the risk of receiving or viewing harmful offensive content and files. We do not promise that we will review and edit all content for safety, quality, accuracy, or decency that you encounter via our Site.


This Agreement, including all Disclaimers, will be governed by and construed in accordance with the internal laws of the State of California excluding that body of laws known as choice of law or conflict of laws. Subject to the provisions of this Section all disputes, controversies or claims arising out of or relating to this Agreement will be resolved through the courts of Los Angeles, California.

Foreign Usage

We make no representation that the usage of this site, or the content provided herein, will not violate the laws of your local jurisdiction. You are responsible for the laws of your jurisdiction, especially if you are accessing this site from outside the United States.

Modifications of this Agreement

We may revise or modify any portion of this Agreement at any time without notice to you. You must read this Agreement each time you visit our site or use any tool or service that we provide to you via this site or elsewhere. Any usage of this site or tools, functions or services that we provide you means that you have read the most current version of this Agreement and you agree to be bound by the terms and conditions of the latest version of this Agreement.


Notices to you may be issued via electronic mail or by surface mail, at our sole selection.

Intellectual Property Notices have been Provided to You

You agree that you have been suitably noticed of any trademark, trade dress, service mark, copyright, patent or any other intellectual property rights or property rights of any nature and any violation by you of any such property rights is fairly deemed to be “willful” in nature.

All product names, marks, logos, symbols, and company names are the property of their respective owners and subject to the protection of various laws and regulations.

Contacting Us

12012 NE 150th Circle – Suite 1649 – Brush Prairie WA  98606-1649