Legal

Terms of Use

Last updated July 16, 2026

These Terms of Use govern your use of this website (the “Site”). By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

Informational purposes only

The content on this Site is provided for general informational purposes only. It is not financial, legal, or tax advice, is not an offer or commitment to lend or to extend credit, and does not create a lender/borrower or advisory relationship. All loans are subject to credit approval, income and property verification, and other conditions; not all applicants will qualify; rates and terms are subject to change without notice.

No warranty

The Site is provided “as is” and “as available.” While we aim to keep the information accurate and current, we make no warranties, express or implied, about the accuracy, completeness, reliability, or availability of the Site or its content.

Intellectual property

The content, design, text, graphics, and marks on this Site are owned by or licensed to Spencer Stalls and Hughes Lending Solutions LLC and are protected by applicable law. You may not copy, reproduce, or reuse them without permission, except for personal, non-commercial viewing.

Third-party links

The Site links to third-party websites and services (including a third-party application portal and social media). We do not control and are not responsible for their content, products, or practices, and these links do not imply endorsement.

Privacy

Your use of the Site is also governed by our Privacy Policy, which explains how information is handled, including the cookies and Google Analytics used to measure and improve the Site.

Licensing and fair housing

Spencer Stalls (NMLS #1775397) is a licensed mortgage loan originator with Hughes Lending Solutions LLC (NMLS #2460441), licensed in the State of Florida. We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act. Not affiliated with, endorsed, or sponsored by any government agency.

Limitation of liability

To the fullest extent permitted by law, Spencer Stalls and Hughes Lending Solutions LLC will not be liable for any indirect, incidental, or consequential damages arising from your use of, or inability to use, the Site.

Governing law

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws principles.

Changes

We may update these Terms from time to time. The current version is posted here with a revised date.

Contact

Spencer Stalls · Hughes Lending Solutions LLC
5220 US Hwy 1, Unit 104-332, Vero Beach, FL 32967
spencer@hugheslendingsolutions.com · (772) 584-0479