🏡 Real Estate Disclosures (TREC / TX)
Required disclosures for Texas real estate services provided through Heritage Homes Realty.
Information About Brokerage Services (IABS)
Required disclosure explaining the types of real estate representation available in Texas transactions.
TREC RequiredConsumer Protection Notice
How to file a complaint with TREC regarding a licensed Texas real estate agent or broker.
HUD / FederalFair Housing Statement
Equal opportunity policies and anti-discrimination commitments in housing.
TRECReal Estate Licensing
Kay's active Texas real estate license, brokerage information, and verification links.
💰 Mortgage & Lending Disclosures (NMLS / CFPB)
Required federal and state disclosures for mortgage origination services provided through Kyber Mortgage Corporation dba Hypersmart Home Loans.
NMLS Licensing & State Licenses
Individual and company NMLS IDs, state-by-state licensing, and NMLS Consumer Access verification.
ECOA / Fair LendingEqual Housing Lender
Equal Credit Opportunity Act (ECOA) and Fair Housing Act statement for lending services.
Reg Z / TILARate & APR Disclosures
Truth in Lending Act disclosures for advertised rates, APRs, and loan terms.
CFPBNo Guarantees of Approval
Pre-qualification, pre-approval, underwriting, and loan commitment disclosures.
🔒 Privacy, Terms & Operational
Privacy, data handling, communications consent, and operational policies.
Privacy Policy
Gramm-Leach-Bliley Act compliant privacy notice. How your information is collected, used, and protected.
TermsTerms of Use
Website terms of service and user agreement.
TCPACommunications Consent (TCPA)
Telephone Consumer Protection Act disclosures and consent to be contacted.
ADA / WCAGAccessibility Statement
Commitment to accessible design for users with disabilities.
RegulatoryHow to File a Complaint
Contact information for TREC, SML, CFPB, and NMLS consumer complaint processes.