Terms & Conditions
Last updated: October 16, 2026
1. Acceptance of Terms
These Terms & Conditions ("Terms") govern your use of the website and services provided by Rudy Del Rio Loans, a DBA of Republic State Mortgage Co., located at 3107 Napier Park, Shavano Park, TX 78231. By accessing our website, submitting a form, or consenting to receive communications from us, you agree to be bound by these Terms. If you do not agree, please do not use our services.
2. Services
Rudy Del Rio Loans provides home loan origination and related services. This is not an offer for an extension of credit or a commitment to lend. All applications are subject to credit and property approval. Loan products, rates, and terms are subject to change without notice and may vary based on borrower qualifications.
3. SMS Messaging Terms & Consent (A2P 10DLC)
By providing your mobile number and consenting through our forms (such as by clicking "Submit"), you agree to receive automated and/or non-automated SMS text messages from Rudy Del Rio Loans and Republic State Mortgage Co. at the telephone number you provided. Messages are sent using Application-to-Person (A2P) messaging via 10DLC numbers.
Purpose: SMS messages may include loan application updates, appointment reminders, account notifications, and promotional offers.
Message frequency: Message frequency varies. You may receive multiple messages per month depending on your engagement and loan status.
Opt-out: You may cancel SMS service at any time by replying STOP to any message. We will send a confirmation message confirming your opt-out. To re-subscribe, reply START or resubmit your consent through our forms.
Help: For help or support, reply HELP to any message or contact us using the information in Section 11.
Carrier disclosures: Message and data rates may apply. Carriers, including but not limited to AT&T, T-Mobile, Verizon, and UScellular, are not liable for delayed or undelivered messages. Your mobile carrier's terms and conditions apply to your use of SMS messaging.
Accuracy of information: You are responsible for providing a valid mobile number that you own or are authorized to use. You must be at least 18 years of age and the account holder, or have the account holder's permission, to consent to receive SMS messages.
4. TCPA Compliance
By consenting to receive SMS messages, you authorize Rudy Del Rio Loans and Republic State Mortgage Co., and our service providers acting on our behalf, to deliver messages using an automatic telephone dialing system or artificial or prerecorded voice, as permitted under the Telephone Consumer Protection Act (TCPA) and applicable state laws. This consent applies to the mobile number you provide, even if it changes. You may revoke this consent at any time by replying STOP.
5. Use of Website
You agree to use our website only for lawful purposes and not to:
- Violate any applicable law or regulation.
- Infringe the rights of any third party.
- Transmit viruses, malware, or harmful code.
- Attempt to gain unauthorized access to our systems.
- Use automated means to scrape or collect data without permission.
6. Intellectual Property
All content on this website, including text, graphics, logos, and images, is the property of Rudy Del Rio Loans or its licensors and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our prior written consent.
7. Third-Party Links
Our website may contain links to third-party websites, including our loan application portal. We are not responsible for the content, privacy practices, or terms of those third parties. Your use of third-party websites is at your own risk.
8. Disclaimer of Warranties
Our website and services are provided "as is" and "as available" without warranties of any kind, whether express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of harmful components.
9. Limitation of Liability
To the fullest extent permitted by law, Rudy Del Rio Loans and Republic State Mortgage Co. shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of our website or services, including any failure or delay in the delivery of SMS messages. We are not responsible for any message delivery issues caused by your mobile carrier.
10. Indemnification
You agree to indemnify and hold harmless Rudy Del Rio Loans, Republic State Mortgage Co., and their affiliates from any claims, damages, or expenses arising from your misuse of our services or violation of these Terms.
11. Contact Us
If you have questions about these Terms, contact us at:
12. Changes to These Terms
We may revise these Terms at any time. The most current version will be posted on this page with the updated "Last updated" date. Your continued use of our services after changes constitutes acceptance of the revised Terms.
13. Governing Law
These Terms are governed by the laws of the State of Texas, without regard to its conflict of law principles. Any disputes arising from these Terms shall be resolved in the courts located in Harris County, Texas.