Updated Terms of Service
Terms of Service
Effective Date: June 3, 2026
Welcome to 184Lender.com. This website is a marketing and informational website operated by Team Romo Mortgage for consumers interested in learning more about HUD 184 home loan options and related mortgage programs.
By using this website, submitting a form, scheduling a call, or requesting information, you agree to these Terms of Service.
1. Informational Purposes Only
The information on this website is provided for general informational purposes only. It is not a loan approval, loan commitment, or guarantee of financing.
Mortgage programs, guidelines, rates, terms, eligibility, and availability may change without notice.
2. No Loan Approval
Submitting a form, requesting a review, or scheduling a call does not mean you are approved for a mortgage loan. Final loan approval is subject to a complete application, credit review, income and asset documentation, property approval, underwriting, property eligibility, and all applicable program guidelines.
3. Contact and Communication
By submitting your information, you agree that Gabe Romo, Team Romo Mortgage, and/or Novus Home Mortgage may contact you regarding your mortgage inquiry.
Consent is not a condition of loan approval.
4. SMS Messaging Program
If you opt in to receive text messages, Gabe Romo / Team Romo Mortgage may send SMS messages related to your mortgage inquiry, appointment scheduling, appointment reminders, follow-up communication, and requested loan program information.
Messages may relate to HUD 184, USDA, DSCR, FHA, VA, Conventional, and other mortgage loan inquiries or programs you request information about.
Message frequency may vary. Message and data rates may apply.
5. Instructions to Opt Out
You may opt out of text messages at any time by replying STOP.
You may reply HELP for help.
6. Carrier Liability Disclaimer
Wireless carriers are not liable for delayed or undelivered messages.
7. Age Requirement
You must be at least 18 years old to use this website, submit a mortgage inquiry, or opt in to receive SMS/text messages.
8. Privacy
Your use of this website is also governed by our Privacy Policy. Please review the Privacy Policy for information about how your information is collected, used, and protected.
Privacy Policy: https://184lender.com/privacy-policy-page
9. No Misuse of Website
You agree not to use this website for unlawful purposes, submit false information, interfere with the website, or attempt to access systems or information you are not authorized to access.
10. Third-Party Links
This website may contain links to third-party websites, including scheduling pages or mortgage resources. We are not responsible for the content, accuracy, security, or privacy practices of third-party websites.
11. Mortgage Licensing and Equal Housing
This website is operated for marketing and informational purposes by Team Romo Mortgage. Mortgage loan services are provided by Gabe Romo through Novus Home Mortgage.
Novus Home Mortgage is a division of Ixonia Bank, NMLS 423065. Member FDIC, Equal Housing Lender. Gabe Romo NMLS 199761.
12. Changes to These Terms
These Terms of Service may be updated from time to time. Continued use of this website after changes are posted means you accept the updated terms.
13. Contact
For questions about these Terms of Service or a mortgage inquiry, please contact:
Gabe Romo
Team Romo Mortgage
Gabe Romo NMLS 199761
Email: [email protected]
Phone: 505-235-5078