Legal
Terms of Use
These Terms of Use govern your access to and use of gregaftayev.com and any related communications with Greg Aftayev and Homestead Financial Mortgage. By using this website, you agree to be bound by these terms. Please read them carefully.
Acceptance of These Terms
These Terms of Use (“Terms”) constitute a legally binding agreement between you and Greg Aftayev (NMLS #230559) and Homestead Financial Mortgage, operated by Endeavor Capital, LLC (NMLS #222524), located at 14897 Clayton Road, Chesterfield, MO 63017 (collectively, “we,” “us,” or “our”).
By accessing or using this website (gregaftayev.com), submitting any form or inquiry, scheduling a consultation, signing up for communications, or otherwise interacting with this website, you agree to be bound by these Terms and our Privacy Policy, which is incorporated into these Terms by reference.
If you do not agree to these Terms, you must immediately stop using this website and refrain from submitting any personal information through it. Your continued use of this website after any update to these Terms constitutes your acceptance of the revised Terms.
These Terms Apply To
Description of This Website and Its Purpose
This website is operated by Greg Aftayev, a licensed mortgage loan originator, to provide general mortgage-related information and education, to introduce prospective borrowers and professional partners to Greg’s mortgage advisory services, and to enable users to schedule consultations and contact Greg directly.
This website is intended to serve as an informational and communication resource. It is not a mortgage application portal, a loan origination platform, or a commitment to lend. No mortgage loan application is accepted, processed, or underwritten through this website.
What This Website Provides
- General mortgage education and informational content about homebuying, refinancing, and mortgage programs
- Introductory information about Greg Aftayev and Homestead Financial Mortgage
- The ability to submit an inquiry or request a mortgage strategy consultation
- The ability to sign up for educational newsletter communications
- Information about mortgage resources, guides, and workshops
- Contact information and scheduling tools for speaking with Greg directly
What This Website Does Not Provide
- A formal mortgage loan application or application portal
- A binding loan estimate, Loan Estimate disclosure, or commitment to lend
- Guaranteed interest rates, annual percentage rates, monthly payment amounts, or loan terms
- Legal, tax, financial planning, investment, real estate, or divorce advice
- A guarantee of loan approval, qualification, or program eligibility
No Mortgage Application and No Commitment to Lend
Nothing on this website constitutes a mortgage loan application, a completed loan application under the Real Estate Settlement Procedures Act (RESPA) or the Truth-in-Lending Act (TILA), or a Loan Estimate as defined under Regulation Z. Submitting a contact form, inquiry form, or consultation request through this website does not initiate a formal mortgage loan application.
Nothing on this website constitutes a commitment to lend, a pre-approval, a pre-qualification, a conditional approval, or any form of credit decision. Any information about mortgage programs, loan amounts, rates, or terms presented on this website is for general informational and illustrative purposes only.
Actual loan approval, loan terms, interest rates, annual percentage rates, monthly payments, closing costs, program availability, and eligibility are determined only through a formal application and underwriting process and depend on each borrower’s individual qualifications, credit profile, income, assets, documentation, property details, investor guidelines, and applicable underwriting requirements.
Rate and Payment Information Disclaimer
User Eligibility
This website is intended for use by individuals who are at least 18 years of age and who are legal residents of the United States. By using this website, you represent and warrant that you meet these eligibility requirements.
This website is intended for use by individuals located in states where Greg Aftayev and/or Homestead Financial Mortgage are licensed to conduct mortgage business. Greg Aftayev is individually licensed in Illinois, Indiana, and Missouri. Homestead Financial Mortgage maintains company licenses in additional states. Use of this website does not constitute an offer or solicitation to originate mortgage loans in states where Greg Aftayev or Homestead Financial Mortgage is not licensed.
For current licensing information, visit the Licensing & Disclosures page or verify directly through NMLS Consumer Access.
Permitted Use and Prohibited Conduct
Permitted Uses
You may use this website for the following lawful purposes:
- Browsing and reading informational content about mortgage topics and Greg's services
- Submitting a genuine inquiry or consultation request using accurate information
- Signing up for educational newsletter or communication content
- Downloading or referencing mortgage guides and resources for personal, non-commercial use
- Contacting Greg Aftayev or Homestead Financial Mortgage through the contact tools provided
Prohibited Conduct
You may not use this website for any unlawful, harmful, or unauthorized purpose. Prohibited activities include, but are not limited to:
- Submitting false, misleading, or fraudulent information through any form or inquiry tool
- Impersonating any person or entity, or misrepresenting your identity, affiliation, or qualifications
- Scraping, crawling, indexing, or harvesting any content or data from this website using automated tools, bots, or scripts without written permission
- Copying, reproducing, distributing, modifying, or creating derivative works from website content without written authorization
- Attempting to gain unauthorized access to any part of this website, its servers, databases, or associated systems
- Transmitting viruses, malware, spam, or any harmful code through this website
- Interfering with or disrupting the operation of this website or its infrastructure
- Using this website to send unsolicited commercial communications to any person
- Using this website in violation of any applicable federal, state, or local law or regulation
- Collecting or storing personal information about other users without authorization
- Using this website to engage in any activity that violates the rights of any third party, including intellectual property rights and privacy rights
We reserve the right to terminate or restrict your access to this website at any time, without notice, for any violation of these Terms or for any other reason at our sole discretion.
User-Submitted Information and Communications Consent
Accuracy of Information You Submit
When you submit information through any form, inquiry, or communication tool on this website, you represent that the information you provide is accurate, complete, and current. You agree not to submit false or misleading information. We rely on the information you provide to respond to your inquiry and determine how we may be able to assist you.
Consent to Be Contacted
By submitting a contact form, consultation request, or inquiry through this website and providing your telephone number and/or email address, you consent to be contacted by Greg Aftayev and Homestead Financial Mortgage regarding your mortgage inquiry, including contact by telephone (including mobile phone), email, and other electronic means.
SMS / Text Message Consent
Mortgage Inquiry Not a Loan Application
Information you submit through this website in connection with a mortgage inquiry does not constitute a formal mortgage loan application and does not trigger any mortgage disclosure obligations under TILA, RESPA, or Regulation B. No credit inquiry will be initiated based solely on your submission of a website inquiry form.
Ownership of Submitted Content
By submitting any content, information, messages, or materials through this website, you grant us a non-exclusive, royalty-free, worldwide license to use, reproduce, and process that information solely for the purpose of responding to your inquiry, providing requested services, and operating our business in accordance with our Privacy Policy.
Intellectual Property and Copyright
All content on this website - including but not limited to text, articles, blog posts, guides, educational materials, page layouts, graphics, images, photographs, logos, icons, audio, video, and the overall design, structure, and “look and feel” of the website - is owned by or licensed to Greg Aftayev and/or Homestead Financial Mortgage and is protected by United States copyright, trademark, and other intellectual property laws.
The name “Greg Aftayev,” “Homestead Financial Mortgage,” “Endeavor Capital,” and associated logos and branding elements are trademarks and trade names of their respective owners. Nothing on this website grants you any right or license to use any trademark, trade name, logo, or service mark without the express written permission of the owner.
Limited Personal Use License
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use this website and its content for your personal, non-commercial informational purposes only. This license does not include the right to:
- Copy, reproduce, modify, distribute, publicly display, or create derivative works from any website content
- Use any content for commercial purposes without written authorization
- Remove or alter any copyright, trademark, or other proprietary notices
- Frame or mirror this website or any of its content on any other website or platform
- Use any automated means to access, copy, or monitor any part of this website
Reporting Copyright Concerns
If you believe any content on this website infringes your copyright, please contact us at greg@hfmloans.com with a description of the copyrighted work, the location of the allegedly infringing content, your contact information, and a statement that you have a good-faith belief that the use is not authorized.
No Professional Advice
All content on this website is provided for general informational and educational purposes only. Nothing on this website constitutes, and should not be construed as, legal advice, tax advice, investment advice, financial planning advice, real estate advice, accounting advice, divorce advice, estate planning advice, or any other form of professional advice.
Greg Aftayev is a licensed mortgage loan originator. He is not an attorney, tax advisor, financial planner, investment advisor, real estate agent, accountant, or licensed professional in any other field. Information provided on this website or during a mortgage consultation pertains solely to mortgage financing and does not address legal, tax, investment, financial planning, real estate, or divorce matters.
You should not make any financial, legal, tax, or real estate decision based solely on information obtained from this website. Consult a qualified attorney, tax advisor, financial planner, real estate professional, or other licensed professional appropriate to your specific circumstances before making any such decision.
This Is Especially Important For
Accuracy of Information and Changes
We make reasonable efforts to ensure that the information on this website is accurate, current, and complete. However, the mortgage industry is subject to frequent changes in interest rates, loan programs, underwriting guidelines, lender requirements, regulatory requirements, and market conditions. Information on this website may not reflect the most current rates, programs, guidelines, or availability at the time you read it.
Mortgage programs, interest rates, fees, terms, conditions, availability, and underwriting guidelines are subject to change without notice. Not all programs are available in all states or for all borrowers. Information about specific loan programs, down payment requirements, credit score requirements, income requirements, or other qualification criteria is provided for general reference only and may not apply to your specific situation.
We reserve the right to modify, update, correct, remove, or add any content on this website at any time without notice. We do not assume any responsibility or liability for errors, omissions, or inaccuracies in the content of this website.
Third-Party Links and Services
This website may contain links to third-party websites, including NMLS Consumer Access, review platforms, scheduling tools, government agency websites, educational resources, social media platforms, and other external services. These links are provided solely for your convenience and informational purposes.
We do not control third-party websites and are not responsible for their content, accuracy, privacy practices, security, availability, or terms of use. The inclusion of a link on this website does not imply our endorsement of the linked website or any products, services, or information it contains. Your use of any third-party website is entirely at your own risk and subject to that website’s own terms and privacy policy.
This website may integrate third-party tools such as scheduling applications, consultation booking platforms, newsletter services, or form processors. These third-party tools operate under their own terms of service and privacy policies, which we encourage you to review before using them.
Disclaimer of Warranties
THIS WEBSITE AND ALL CONTENT, INFORMATION, MATERIALS, PRODUCTS, AND SERVICES PROVIDED THROUGH IT ARE OFFERED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, GREG AFTAYEV AND HOMESTEAD FINANCIAL MORTGAGE EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
WE DO NOT WARRANT THAT: (A) THIS WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE; (B) ANY DEFECTS OR ERRORS WILL BE CORRECTED; (C) THE WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR (D) THE INFORMATION ON THIS WEBSITE IS ACCURATE, COMPLETE, RELIABLE, CURRENT, OR SUITABLE FOR ANY PARTICULAR PURPOSE.
NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM US OR THROUGH THIS WEBSITE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.
Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL GREG AFTAYEV, HOMESTEAD FINANCIAL MORTGAGE, ENDEAVOR CAPITAL, LLC, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO:
- Loss of profits, revenue, business, goodwill, or anticipated savings
- Loss of data or inability to access data
- Costs of procuring substitute goods or services
- Any financial loss resulting from reliance on information provided on this website
- Any damages resulting from unauthorized access to or alteration of your data
- Any other indirect or consequential loss or damage of any kind
THIS LIMITATION OF LIABILITY APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.
TO THE EXTENT THAT LIABILITY CANNOT BE EXCLUDED UNDER APPLICABLE LAW, OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THIS WEBSITE SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00) OR THE AMOUNT YOU HAVE PAID TO US IN THE TWELVE MONTHS PRECEDING THE CLAIM, WHICHEVER IS GREATER.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR LIABILITY. IN SUCH JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
Indemnification
You agree to defend, indemnify, and hold harmless Greg Aftayev, Homestead Financial Mortgage, Endeavor Capital, LLC, and their respective officers, directors, employees, agents, licensors, and service providers from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from or related to:
- Your use of or access to this website
- Your violation of any provision of these Terms
- Your violation of any applicable law, regulation, or third-party right, including intellectual property rights and privacy rights
- Any false, inaccurate, or misleading information you submit through this website
- Any claim by a third party arising from your conduct in connection with this website
We reserve the right to assume exclusive control of the defense of any matter subject to indemnification by you, in which case you agree to cooperate with our defense of that claim at your own expense.
Electronic Communications
By using this website and submitting information through it, you consent to receive electronic communications from us, including email confirmations, responses to your inquiries, consultation confirmations, educational content you have requested, and legally required notices, in accordance with the Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and applicable state electronic transaction laws.
You agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing. Electronic communications are considered received when we send them to the email address you provide, regardless of whether you actually read them.
You are responsible for maintaining a valid and current email address on file with us and for ensuring that our communications are not filtered as spam. We are not responsible for misdirected or undelivered electronic communications resulting from incorrect contact information you have provided.
Governing Law and Dispute Resolution
Governing Law
These Terms and any dispute, claim, or controversy arising out of or relating to these Terms, this website, or your use of this website shall be governed by and construed in accordance with the laws of the State of Missouri, without regard to its conflict of law principles. To the extent that federal law applies, the applicable provisions of federal law shall govern.
Jurisdiction and Venue
For any dispute not subject to binding arbitration (if applicable), you agree to submit to the exclusive personal jurisdiction of the state and federal courts located in St. Louis County, Missouri, and waive any objection to the laying of venue in such courts.
Informal Resolution
Before initiating any formal legal proceeding, you agree to contact us at greg@hfmloans.com or +1 (636) 256-5710 and make a good-faith effort to resolve the dispute informally. Most concerns can be resolved quickly through direct communication.
Time Limitation on Claims
Any claim or cause of action arising out of or related to your use of this website or these Terms must be filed within one (1) year after the claim or cause of action arose, or it will be permanently barred, to the fullest extent permitted by applicable law.
Class Action Waiver
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.
Modifications to These Terms
We reserve the right to modify, update, or replace these Terms at any time at our sole discretion. When we make material changes, we will update the Effective Date at the top of this page. In some cases, we may provide additional notice of material changes through the website or by direct communication.
Your continued use of this website after any modification to these Terms constitutes your binding acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using this website. We encourage you to review these Terms periodically to stay informed of any updates.
Severability, Waiver, and Entire Agreement
Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, or severed from these Terms if modification is not possible. The remaining provisions of these Terms shall continue in full force and effect.
No Waiver
Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term.
Entire Agreement
These Terms, together with our Privacy Policy, Cookie Policy, and Licensing & Disclosures, constitute the entire agreement between you and us regarding your use of this website and supersede all prior and contemporaneous agreements, representations, and understandings regarding the same subject matter.
Assignment
You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms without restriction, including in connection with a merger, acquisition, or sale of assets.
Contact Us
If you have questions about these Terms of Use, wish to report a concern, or need to contact us for any reason related to your use of this website, please reach out using the information below.
Greg Aftayev
Homestead Financial Mortgage · NMLS #230559
Endeavor Capital, LLC · NMLS #222524
14897 Clayton Road, Chesterfield, MO 63017
Privacy Policy
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Licensing & Disclosures
State licensing and compliance
These Terms of Use are provided for informational and legal purposes. They govern your use of this website only and do not constitute a mortgage loan agreement, disclosure, or commitment of any kind. Greg Aftayev, NMLS #230559. Homestead Financial Mortgage, Endeavor Capital, LLC, NMLS #222524. Equal Housing Lender.