Terms of Use

VA.Mortgage is a consumer mortgage resource and brand operated by Bolt Home Loans LLC, NMLS 2784913 ("we," "us," or "our"). By accessing or using this website, you agree to these Terms of Use. If you do not agree, do not use the site.

VA.Mortgage and Bolt Home Loans LLC are not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any other government agency. Content on this site describing VA loan programs is provided for informational purposes; the U.S. Department of Veterans Affairs is the authoritative source for its programs.

The information on this site, including program descriptions, articles, guides, rate displays, and calculators, is provided for general informational purposes and does not constitute a loan approval, a commitment to lend, a rate lock, an interest-rate guarantee, or an offer or solicitation to enter into any specific loan. Nothing on this site creates a lender-borrower relationship until a loan is formally underwritten, approved, and closed under a signed loan agreement.

Any rates, payments, funding-fee figures, savings, affordability estimates, or other numerical outputs shown on this site — including those produced by calculators — are estimates only. Actual terms depend on underwriting, credit qualification, program guidelines, property characteristics, occupancy, loan purpose, appraised value, entitlement, funding-fee status, state and federal requirements, and market conditions at the time of lock. Estimates may not match the terms ultimately offered.

Bolt Home Loans LLC is licensed to originate mortgage loans in the jurisdictions listed in our licensing disclosure. Not all products are available in every state, and content on this site does not represent that products or services are available where Bolt Home Loans LLC is not licensed to offer them. See our licensing disclosure (linked in the site footer) for the current list of licensed jurisdictions and license types, and verify our record on NMLS Consumer Access.

You may use this site only for lawful purposes and in a manner consistent with these Terms. You agree not to: (a) misuse the site or interfere with its normal operation; (b) attempt to gain unauthorized access to any portion of the site or related systems; (c) probe, scan, or test the vulnerability of the site or breach any security or authentication measures; (d) submit false, misleading, or fraudulent information through any form; (e) use automated tools to harvest data from the site; or (f) use the site to violate any applicable law or the rights of any third party.

The site, including text, graphics, logos, images, layouts, and code, is owned by or licensed to Bolt Home Loans LLC and is protected by copyright, trademark, and other intellectual-property laws. VA.Mortgage and any associated logos or wordmarks are trademarks used by Bolt Home Loans LLC. Except as expressly permitted, you may not copy, reproduce, modify, distribute, publicly display, or create derivative works from the site without our prior written consent. Personal, non-commercial viewing and reasonable quotation with attribution are permitted.

The site may link to third-party websites and resources for convenience. Those sites are operated by others and are not under our control. We do not endorse and are not responsible for the content, accuracy, privacy practices, or availability of any linked site.

The site and all content are provided "as is" and "as available" without warranties of any kind, whether express or implied, including without limitation implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or availability. We do not warrant that the site will be uninterrupted or error-free, that defects will be corrected, or that the site is free of harmful components.

To the fullest extent permitted by applicable law, Bolt Home Loans LLC and its affiliates, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, business, or goodwill, arising out of or related to your access to or use of, or inability to access or use, the site or its content, whether based in contract, tort, statute, or any other legal theory, even if we have been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above may not apply to you.

These Terms are governed by the laws of the State of Michigan, without regard to its conflict-of-laws principles, except to the extent that federal law or the law of the state in which you reside applies on a mandatory basis. Nothing in these Terms limits any rights you may have under mandatory consumer-protection laws in your jurisdiction.

We may update these Terms from time to time. When we do, we will change the "Effective" date above. Your continued use of the site after an update means you accept the revised Terms.

Questions about these Terms can be sent to:
Bolt Home Loans LLC · NMLS 2784913
30100 Telegraph Road, Suite 471-D, Bingham Farms, MI 48025
compliance@bh.loans · (844) 777-BOLT