Terms and Conditions

These Terms and Conditions govern your use of our website and services. Buy House No Banks markets and sells owner financed homes in Texas.

By accessing or using our website, submitting your information, scheduling a showing, contacting us, or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree, you must not access or use the website or our services.

1. Website Purpose

The purpose of this website is to provide information about homes that may be available for sale, including owner financed home opportunities in Texas. Information on this website may include property descriptions, photos, estimated terms, showing instructions, application options, contact forms, and general information about home ownership.

All information on this website is provided for general informational and marketing purposes only, does not constitute an offer, solicitation, or binding commitment, and is subject to change, prior sale, or withdrawal without notice.

2. No Guarantee of Availability or Approval

Property availability, pricing, financing terms, down payment requirements, monthly payment amounts, concessions, and other details may change without notice.

Submitting a form, requesting information, scheduling a showing, or applying for owner financing does not create any binding obligation and does not guarantee that you will be approved, that any property will remain available, or that any particular price, financing, or other terms will be offered. Any approval and the availability of any property are subject to qualification, applicable underwriting and seller requirements, and prior sale.

Final terms are subject to review, approval, written agreement, applicable disclosures, and completion of all required transaction documents.

3. Owner Financing Disclaimer

Buy House No Banks offers or markets owner-financed home opportunities in Texas. Owner financing terms may vary by property, buyer qualifications, seller requirements, and transaction structure, and are subject to all applicable federal and Texas laws governing residential owner financing, including, where applicable, the Truth in Lending Act and Regulation Z, the federal SAFE Act and Texas Secure and Fair Enforcement for Mortgage Licensing Act, and Chapter 5 of the Texas Property Code governing executory contracts for conveyance. Any specific financing terms will be set forth in the applicable written agreement and required disclosures.

You are responsible for reviewing all purchase documents, financing terms, payment obligations, taxes, insurance requirements, maintenance responsibilities, and other transaction details before signing any agreement.

We encourage you to consult with your own attorney, tax advisor, financial advisor, or real estate professional before entering into any real estate transaction.

4. Property Information

We endeavor to provide accurate property information, but we make no representation or warranty, express or implied, that any information on the website is complete, current, accurate, or error-free, and all such information is subject to change without notice.

Property details such as square footage, lot size, school zones, taxes, condition, repairs needed, utilities, zoning, rental use, restrictions, and other information should be independently verified by the buyer.

Unless otherwise expressly stated in a signed written agreement, homes are offered on an “as-is, where-is” basis, without any representation or warranty as to condition, and the buyer is responsible for conducting independent inspections and due diligence.

5. User Responsibilities

By using this website, you agree that you will: provide accurate, current, and complete information; use the website only for lawful purposes and in compliance with these Terms and Conditions and all applicable laws; not submit false, misleading, or fraudulent information; not infringe the rights of others; not interfere with, disrupt, or impose an unreasonable burden on the website or its functionality; and not attempt to gain unauthorized access to any systems, data, networks, or accounts. We reserve the right to suspend or terminate your access to the website, without notice, for any conduct that we reasonably believe violates these Terms and Conditions or applicable law.

6. Consent to Communications by AI and Human Representatives

By submitting your name, telephone number, email address, or other contact information to Buy House No Banks, you expressly authorize and consent to be contacted by Buy House No Banks and its employees, agents, representatives, service providers, and automated or artificial-intelligence-assisted technology systems regarding homes, showings, applications, financing options, property updates, offers, and related real estate opportunities, in accordance with these Terms and Conditions, our Privacy Policy, and applicable law.

You agree that we may contact you through human representatives and AI-assisted systems, including by:

Phone calls, text messages, SMS messages, emails, voicemail, prerecorded messages, automated dialing systems, artificial intelligence tools, AI-assisted messaging, and other communication technologies.

You understand and agree that some communications may be delivered using automated technology or artificial-intelligence-assisted tools, including an automatic telephone dialing system or prerecorded or artificial voice. You further understand that your consent to receive such communications is not a condition of purchasing any property, good, or service, and that you may revoke your consent at any time as described in the “Opt-Out Instructions” section below.

Message and data rates may apply. Message frequency may vary.

7. Opt-Out Instructions

You may opt out of marketing text messages at any time by replying STOP.

You may unsubscribe from marketing emails by using the unsubscribe link in an email or by contacting us directly.

You may also request that we stop marketing communications by calling 888.515.2462 or emailing info@buyhousenobanks.com.

Opting out of marketing communications does not prevent us from sending non-marketing, transaction-related, service-related, legal, or administrative communications when permitted by applicable law. We will honor opt-out and revocation requests within a reasonable time and maintain an internal do-not-contact list and honor applicable do-not-call requirements.

8. No Legal, Tax, or Financial Advice

The information on this website does not constitute legal, tax, financial, credit, accounting, or investment advice, and no fiduciary or professional-client relationship is created by your use of the website. Any examples, estimates, or explanations are illustrative only, are provided for general informational purposes, and should not be relied upon as a substitute for advice from your own qualified professionals.

You should consult qualified professionals before making decisions about buying a home, entering into owner financing, renting a property, using a property for business purposes, or making any financial commitment.

9. Third-Party Services and Links

Our website may contain links to, or integrations with, third-party websites, tools, platforms, forms, or services that we do not own or control. We provide such links and integrations for convenience only and do not endorse and are not responsible or liable for the content, accuracy, availability, policies, or practices of any third-party websites or providers. Your access to and use of any third-party services is at your own risk.

Your use of third-party services may be governed by their own terms and privacy policies.

10. Intellectual Property

The content on this website, including text, images, graphics, logos, branding, layouts, and other materials, is owned by or licensed to Buy House No Banks unless otherwise stated.

You may not copy, reproduce, republish, distribute, modify, create derivative works from, publicly display, or otherwise use any content from this website for any commercial purpose without our prior written permission. All rights not expressly granted are reserved.

11. Limitation of Liability

To the fullest extent permitted by applicable law, the website and its content are provided on an “as is” and “as available” basis, without warranties of any kind, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, all of which are expressly disclaimed. To the fullest extent permitted by applicable law, Buy House No Banks and its owners, employees, agents, representatives, service providers, and affiliates shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or relating to your access to or use of (or inability to use) the website, your reliance on any website information, property availability or pricing changes, communication delays, technical issues, or third-party services, regardless of the theory of liability and even if advised of the possibility of such damages.

Your sole and exclusive remedy for dissatisfaction with the website is to discontinue using it. To the fullest extent permitted by applicable law, the total aggregate liability of Buy House No Banks arising out of or relating to the website shall not exceed one hundred U.S. dollars ($100.00). Some jurisdictions do not allow the exclusion or limitation of certain warranties or damages, so some of the above limitations may not apply to you; in such cases, our liability is limited to the greatest extent permitted by law. Nothing in these Terms limits any liability that cannot be limited or excluded under applicable law.

12. Indemnification

You agree to indemnify, defend, and hold harmless Buy House No Banks and its owners, employees, agents, representatives, service providers, and affiliates from and against any and all claims, demands, damages, losses, liabilities, judgments, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to your access to or use of the website, your violation of these Terms and Conditions, your submission of inaccurate or unlawful information, or your violation of any applicable law or the rights of any third party. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you agree to cooperate with our defense of such claim.

13. Fair Housing Statement

Buy House No Banks supports and complies with the federal Fair Housing Act and all applicable federal, state, and local fair housing laws. We do not discriminate, and will not tolerate discrimination, on the basis of race, color, religion, sex, disability, familial status, national origin, or any other characteristic protected under applicable law. All advertised properties are available to all persons on a non-discriminatory basis.

14. Governing Law

These Terms and Conditions, and any dispute arising out of or relating to them or to your use of the website, are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles. Subject to the “Dispute Resolution; Arbitration; Class Action Waiver” section below, you agree that the exclusive venue for any dispute not subject to arbitration shall be the state or federal courts located in Texas, and you consent to the personal jurisdiction of such courts.

15. Changes to These Terms

We may modify these Terms and Conditions from time to time in our sole discretion. When we do, we will revise the “Last Updated” date at the top of this page and post the revised Terms and Conditions here. Your continued use of the website after the revised Terms and Conditions are posted constitutes your acceptance of the changes. If you do not agree to the revised Terms and Conditions, you must discontinue using the website.

16. Telephone Consumer Protection Act (TCPA) Consent.

To  the extent any call or text message to your wireless number is made using an automatic telephone dialing system or an artificial or prerecorded voice (including AI-generated or AI-assisted voice technology) for marketing or telemarketing purposes, you provide your prior express written consent to receive such communications from Buy House No Banks at the telephone number you provide. You understand and agree that: (a) consent is given specifically to Buy House No Banks; (b) such communications may be delivered using automated technology and artificial or prerecorded/AI-generated voices; and © your consent is not a condition of purchasing any property, good, or service. You may revoke this consent at any time by replying STOP to any text message, by following opt-out instructions in any communication, or by contacting us using the information above, and we will honor your revocation across all reasonable channels. We maintain an internal do-not-contact list and honor applicable do-not-call requirements. Message and data rates may apply; message frequency may vary.

17. Owner-Financed and Executory Contract Disclosures; SAFE Act.

Owner financing of residential real property in Texas may be subject to federal and state law, including the federal SAFE Act, the Truth in Lending Act, the ability-to-repay and loan originator rules under federal law, and the requirements governing executory contracts and contracts for deed under Texas Property Code Chapter 5, Subchapter D, including mandatory written disclosures, annual accounting statements, and recording requirements. Nothing on this website constitutes a disclosure required by those laws. All required disclosures will be provided in writing in connection with the applicable transaction, and any owner financing is expressly conditioned on compliance with all applicable federal and Texas residential-financing laws.

18. Binding Arbitration; Class Action Waiver; Jury Trial Waiver.

PLEASE READ THIS SECTION CAREFULLY. Except for claims that may be brought in small-claims court and except where prohibited by applicable law, you and Buy House No Banks agree that any dispute, claim, or controversy arising out of or relating to this website, these Terms and Conditions, or any communications between us, including claims under the Telephone Consumer Protection Act, shall be resolved exclusively by final and binding individual arbitration administered by a recognized arbitration provider under its applicable rules. You and Buy House No Banks waive any right to a trial by jury. Claims must be brought on an individual basis only, and you and Buy House No Banks waive any right to participate in a class, collective, consolidated, or representative action. If the class-action waiver is found unenforceable as to a particular claim, that claim shall proceed in court but this provision shall otherwise remain in effect. You may opt out of this arbitration agreement by sending written notice to us within 30 days of first accepting these Terms; opting out will not affect any other provision of these Terms. This provision is governed by the Federal Arbitration Act.

20. Acceptance of Terms. 

By checking the acceptance box, submitting a form, or otherwise affirmatively indicating your agreement, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and the Privacy Policy. Where an affirmative acceptance mechanism is presented, your agreement is evidenced by that action and a record of your acceptance may be retained.

21. Contact Information

If you have questions about these Terms and Conditions, you may contact us at:

Buy House No Banks Website: www.buyhousenobanks.comPhone: 888.515.2462 Email: info@buyhousenobanks.com