Terms & Conditions
Last updated: February 25, 2026
The Trusty Lender · NMLS #2579601
By accessing or using the website thetrustylender.com, its digital tools (TaxIncome Calculator, ChatQualify), or any service offered by The Trusty Lender, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use our services.
The Trusty Lender is the personal brand of Liuver Duran, Mortgage Loan Originator (NMLS #2579601), sponsored by Sociable Mortgage LLC (NMLS #2498240), a licensed mortgage broker. We offer:
- Mortgage origination and pre-qualification services
- Informational digital tools (calculators, scenario generators)
- Educational and training resources for realtors (Elit3 Estate)
- Consultations and advisory on mortgage programs (Conventional, FHA, VA, USDA, Non-QM, Jumbo)
We are licensed for primary residence loans in Texas and Florida, and for investment properties in over 30 US states.
The digital tools available on our site (pre-qualification calculators, payment estimators, income calculators) are INFORMATIONAL in nature only. Results are estimates and do NOT constitute:
- A loan offer or commitment
- A formal credit pre-approval
- Financial or legal advice
- A guarantee of eligibility or interest rate
Actual interest rates, payments, and loan amounts are subject to credit qualification, market conditions, and final lender approval.
To use our services, you must:
- Be at least 18 years of age
- Provide truthful, accurate, and complete information
- Use the services only for personal and lawful purposes
It is prohibited to use our services for fraudulent, illegal activities, or those that infringe on the rights of third parties.
All content on this website, including but not limited to text, logos, images, software tools, designs, and Elit3 Estate training materials, is the property of The Trusty Lender and is protected by applicable copyright and trademark laws.
Reproduction, distribution, modification, or creation of derivative works without prior written authorization is not permitted.
To the maximum extent permitted by applicable law, The Trusty Lender shall not be liable for:
- Financial decisions made based on estimates from our tools
- Indirect, incidental, special, or consequential damages
- Service interruptions or technical errors
- Data loss caused by events outside our reasonable control
- Actions or omissions of lenders, insurers, or other third parties
By providing us with your email or phone number, you consent to receive electronic communications (emails, SMS) related to our services. You may unsubscribe at any time by emailing liuver@thetrustylender.com or replying STOP to any SMS.
The Trusty Lender operates in compliance with applicable federal and state laws and regulations, including:
- Real Estate Settlement Procedures Act (RESPA)
- Truth in Lending Act (TILA)
- Equal Credit Opportunity Act (ECOA)
- Fair Credit Reporting Act (FCRA)
- Home Mortgage Disclosure Act (HMDA)
- Gramm-Leach-Bliley Act (GLBA)
Our site may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of those sites. We encourage you to review the privacy policies of any site you visit.
We reserve the right to modify these Terms at any time. Changes will take effect upon posting on this site with a revised update date. Continued use of our services constitutes acceptance of the new terms.
Any dispute arising from or related to these Terms will first be attempted to be resolved amicably. If no agreement is reached, disputes will be submitted to binding arbitration under the rules of the American Arbitration Association (AAA), in the State of Texas.
These Terms are governed by the laws of the State of Texas, USA. You submit to the exclusive jurisdiction of courts located in the State of Texas for any legal action.