Marketing Disclosures & Educational Content

About Momentus Real Estate Group

Momentus Real Estate Group is a Texas real estate brokerage licensed by the Texas Real Estate Commission (TREC).

For standard TREC disclosures (Information About Brokerage Services, Consumer Protection Notice, Fair Housing Policy), please visit our Compliance Page.

Educational Content Disclaimer

Content shared through our social media channels, videos ("Real Talk with Mo"), website blog, and marketing materials is for general educational purposes only.

For specific guidance on your situation, please consult:

• A licensed mortgage professional (for loan qualification, rates, and terms)
• A licensed attorney (for legal questions)
• A licensed CPA or financial advisor (for tax and financial planning)

Lender Relationship Disclosure

Momentus Real Estate Group works with GFS home loans, a VA-experienced mortgage lender we have partnered with for over 10 years.

To find licensed mortgage lenders:

• Texas Department of Savings and Mortgage Lending: www.sml.texas.gov
• NMLS Consumer Access: www.nmlsconsumeraccess.org

Interest Rates & Loan Terms

We cannot and do not quote:

• Specific interest rates
• Monthly payment amounts
• Loan approval likelihood
• Debt-to-income requirements
• Credit score requirements

For current rates and your specific qualifications, speak with a licensed mortgage professional.

When we reference rate buydown programs, down payment assistance, or loan features (such as VA 0% down, FHA 3.5% down), we are describing general program characteristics. Your eligibility, rates, and terms depend on your individual situation and must be determined by a licensed lender.

Client Success Stories & Testimonials

When we share client success stories, testimonials, or results:

• Individual results may vary based on credit, income, market conditions, program availability, and other factors
• Past client experiences are not a guarantee of similar outcomes
• Results shown are specific to that client's unique situation
• Names may be changed or generalized to protect client privacy
• All testimonials shared with written client permission

Market Data & Statistics

When we reference market data, statistics, or trends:

• Data is sourced from third-party sources including: MLS, Freddie Mac, Dallas Morning News, NTREIS, builder reports, and other industry publications
• Past performance does not guarantee future results
• Market conditions change frequently
• Data is accurate as of the date referenced but may not reflect current conditions
• Individual outcomes vary based on many factors

Down Payment Assistance (DPA) Programs

When we discuss down payment assistance programs:

• Programs have eligibility requirements (income limits, home price limits, first-time buyer status, etc.)
• Funding is limited and programs may be suspended or modified
• You must work with approved lenders and complete required homebuyer education
• We provide general information about programs but cannot determine your eligibility
• Speak with an approved lender to verify current program availability and your qualifications

VA Loan Benefits

When we discuss VA loan benefits:

• We describe general VA loan program features based on publicly available information
• Your specific eligibility, entitlement, and qualifications must be determined by a VA-approved lender
• We cannot determine your Certificate of Eligibility (COE) status, entitlement amount, or disability exemptions
• Speak with a VA-approved lender for your specific situation

Fair Housing Commitment

Momentus Real Estate Group is committed to full compliance with the Fair Housing Act and Texas Fair Housing laws. We do not discriminate based on race, color, religion, sex, national origin, familial status, or disability.

Equal Housing Opportunity