Terms of Use

FirstTimeBuyerCenter ("the Site") is operated by Adriel Esparza, a licensed mortgage loan originator (NMLS #237241) with Lower, LLC. By accessing or using this Site, you agree to these Terms of Use.

1. Educational Purpose Only

All information, tools, calculators, and program summaries on this Site are provided for educational and informational purposes only. Nothing on this Site constitutes a mortgage application, preapproval, loan approval, commitment to lend, financial advice, or guarantee of eligibility for any loan program. Completing the Program Fit Check does not initiate a credit decision and does not bind any party.

2. Program Availability

FHA, VA, USDA, CalHFA, and county down-payment assistance programs are subject to borrower qualifications, lender approval, fund availability, property eligibility, and applicable federal, state, and local guidelines. Programs change without notice. Not all applicants will qualify.

3. No Government Affiliation

These materials are not from HUD, FHA, VA, USDA, or CalHFA and were not approved by HUD or any government agency.

4. Equal Housing Lender

Lower, LLC is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, or because all or part of an applicant's income comes from a public assistance program.

5. Licensing

Adriel Esparza is licensed in California (NMLS #237241); additional state licenses available upon request. Verify licensing at NMLS Consumer Access.

6. Third-Party Links

The Site may link to third-party websites (e.g., Lower's secure application portal or Calendly). We are not responsible for the content, privacy practices, or terms of any third-party site.

7. Limitation of Liability

The Site is provided "as is" without warranties of any kind. To the fullest extent permitted by law, FirstTimeBuyerCenter, Adriel Esparza, and Lower, LLC are not liable for any damages arising from your use of, or reliance on, information presented here.

8. Contact

Questions about these Terms? Email AEsparza@lower.com.