Terms of Use & Disclaimers
Last updated: September 29, 2026
By using this website you agree to these terms. If you do not agree, please do not use the site.
Licensing
Darryn Stephen NMLS #2664300, Smart Home Loans NMLS #1734077. Licensed in Florida. You can verify licensing at NMLS Consumer Access.
Not a commitment to lend
Nothing on this website is an offer or commitment to lend, a loan approval, or a guarantee of any loan terms. All loans are subject to credit approval, underwriting, property approval and lender guidelines. Loan programs, eligibility, down payment assistance availability, terms and fees vary and may change without notice. This website does not advertise interest rates.
Informational purposes only
The content on this website is general information. It is not accounting, tax, legal, financial or other professional advice. Before making a decision, please consult your own tax, legal or financial advisors.
Equal housing
Equal Housing Opportunity. We are committed to serving all qualified applicants without discrimination as required by fair lending laws.
Third-party links
Links to third-party websites are provided for convenience. We do not control and are not responsible for their content.
Intellectual property
The content of this site is protected by copyright and other laws. You may view and print it for personal, non-commercial, informational use. Other reproduction or distribution requires prior permission.
Use at your own risk; limitation of liability
This site is provided “as is.” To the fullest extent permitted by law, Darryn Stephen and Smart Home Loans are not liable for losses arising from use of, or reliance on, this website.
Testimonials and reviews
Any testimonials or reviews reflect the experience of the individual and are not a guarantee of similar results.
Changes
We may update these terms at any time. Continued use of the site means you accept the updated terms.
Contact
Questions? Contact Darryn Stephen at darryn@smarthomeloans.net or (786) 737-4391.