Terms of Service

Acceptance of These Terms

Welcome to the website operated by FHA Solutions Inc. By browsing this site, corresponding with our advisors or engaging any of our home financing advisory and mortgage readiness services, you agree to the terms set out on this page. These terms form the agreement between you and us and describe how our working relationship is conducted.

If you do not agree with any part of these Terms of Service, we ask that you refrain from using the website and from requesting our advice. Continued use of this site after any update to these terms takes effect means that you accept the revised agreement, so we encourage you to check this page from time to time.

The Provider

The services described on this website are provided and operated by FHA Solutions Inc, a company established in Canada with its registered office at 1201-1200 Bay St, Toronto - M5R 2A5, Canada (CA). Throughout these terms the words we, us and our refer to FHA Solutions Inc and the advisors who work under its guidance.

You may reach the team by email at reach@fhasolutions.hair or by telephone at +12176051910. Written correspondence concerning these terms should be addressed to our Toronto office so that it reaches the appropriate member of our team.

Nature of the Agreement

These Terms of Service govern your use of the public parts of our website and any engagement letter that you sign before we begin chargeable advisory work. Where we enter a separate written engagement agreement with you for a particular advisory service, that document works together with these terms and, if the two ever conflict, the more specific engagement agreement controls the matter it covers.

We describe these terms as a guide to fair dealing rather than a set of hidden traps. Our intention is that you should understand, before you begin, what we will do, what we will not do and where responsibility rests at each stage.

Advisory, Not a Guarantee

The information we provide is advisory in nature. It is offered to help you make your own informed decisions about mortgage readiness and financing strategy. No guidance we give should be read as a promise that a particular lender will approve your application or that a particular rate will be available to you.

Mortgage decisions rest finally with lenders and insurers, whose criteria change and who apply their own underwriting judgment. We work to present your case in the clearest light, but we do not guarantee an outcome. Where you must rely on the accuracy of your own documents and statements, that responsibility remains yours, and we ask that you always be truthful about the information you present.

We also want to be explicit about the boundary between our role and the role of a legal or tax professional. Home financing draws in rules about purchases, taxes and agreements that sometimes deserve a specialist view beyond general advice. We are happy to flag when a question falls outside our own lane and to encourage you toward a legal or tax advisor for that specific point, rather than stretching a friendly general answer into territory where it does not belong.

Description of Services

FHA Solutions Inc offers advisory support across the main stages of the mortgage journey. Our first-time buyer advisory helps new purchasers understand affordability and the steps to a sound application. Our down payment planning programs set realistic targets and show the sources of funds that may be available to you. Our credit readiness coaching works to improve your credit file well ahead of an application.

We also support the mortgage application itself by helping assemble documents and comparing offers, offer refinancing guidance to owners looking at renewal or equity release, and provide post-closing homeowner education so that your first year with a mortgage feels known rather than uncertain. A full and current description of each service appears on our services page and in any engagement document you receive.

Eligibility to Use Our Services

Our services and advisory content are intended for adults who are able to enter into binding agreements in their own right. To use our services you confirm that you are at least the age of majority in the province where you live and that you are acting for yourself, or with clear authority if you act on behalf of a household or business.

We reserve the right, at our reasonable discretion, to decline an engagement where we cannot serve a person responsibly. Where we are unable to help, we will tell you so honestly and, where useful, point you toward another path forward.

Your Account and Responsibilities

Certain parts of our work may call for you to share documents and preferences through private channels. Where we set up secure access for you, you are responsible for keeping your access details confidential and for any activity carried out under them. Please tell us promptly if you believe your details have fallen into the wrong hands.

You agree to provide us with accurate and current information for the purpose of receiving advice. If a detail changes, such as your address or the structure of your household income, we ask you to update us so that our guidance stays relevant to your real situation.

Your openness makes our honesty possible. When figures are shared in good faith we build on them with confidence, but when something has been withheld or shaped to look stronger than it is, the plan we build becomes less useful and a lender review can stall embarrassingly close to the finish line. We would always rather work with the real, comfortable picture than a polished one that cannot hold its shape at the lender desk.

Communication With Us

We communicate across email, telephone and, where agreed, secure online meetings. Information you share in these channels may form part of your advisory file and is handled in line with our Privacy Policy. Please confirm your preferred way to be reached and keep your details current.

We aim to answer messages within one working day and to keep you informed of progress at every meaningful stage. If you send us confidential material, we encourage you to let us know that it is sensitive so that we handle it with the care it deserves.

Our Website Content

The pages of this website, including notes on rates and financing habits, are provided for general information and do not constitute legal advice, accounting advice or a binding offer of credit. Rate figures shown are illustrative snapshots and may be out of date by the time you read them.

We work hard to keep the site useful and accurate, but we cannot promise that every figure or sentence is always current. Before relying on any figure for an important decision, please confirm it with us directly rather than assuming the site is the final word.

Fees and Payment

Some of our advisory talks are provided free of charge as a first point of contact. Where a service attracts a fee, the amount and the basis for it are set out clearly in your engagement material before any chargeable work begins, so that no invoice arrives as a surprise.

Any invoice is payable on the terms stated in the engagement document. If a question about a charge ever arises, we will resolve it openly and fairly. We do not tie the quality of our advice to the commission or referral fee of any single lender, and we are transparent about how we are compensated where that question matters to you.

No Conflict With Lender Terms

When we help you toward an application, the mortgage contract you ultimately sign is between you and the lender. Nothing we write in these terms, in our advisory notes or in any engagement letter overrides the binding obligations you accept directly with a lender or insurer.

We will point you toward the important clauses of any lender document you face and encourage you to read it independently. In the event of disagreement, the lender document you sign governs the loan, while these terms govern the way we conduct our own advice to you.

Acceptable Use

You agree to use our website and our advisory channels responsibly. In particular you will not attempt to disrupt the operation of the site, try to gain unauthorised access to our systems, submit false information intended to mislead us, or use our services to commit a fraud against any lender or person.

We welcome questions and honest disagreement, and we will always treat a direct enquiry seriously. Behaviours that are abusive, threatening or intended to harm our team or other clients fall outside the spirit of these terms and may lead us to end an engagement.

By the same measure we value your time as we value our own, which is why we keep the website free of intrusive tricks. There are no misleading countdown timers, no fake urgency and no claim that a rate will vanish tonight unless you sign at once. Pressure is a sign of a bad partner, and we are committed to a tone that lets a considered decision breathe.

Intellectual Property

The content of this website, including its text, layout, graphics and the original ideas it presents, is the property of FHA Solutions Inc or its licensors and is protected by copyright and other rights. You may view and share the pages for personal, non-commercial use.

You may not copy, reproduce, sell or republish substantial portions of our content for commercial purposes without our written permission. Documents we prepare for you personally are for your own planning use, and we ask that you do not pass them to third parties as if they were general literature.

Links to Third Parties

Our website may contain links to the sites of lenders, government programmes or other helpful resources. These links are offered for your convenience and do not mean that we endorse or control those sites. Their content, terms and privacy practices are outside our hands.

When you leave our site by following a link, please read the destination page on its own terms. We accept no responsibility for the availability, accuracy or conduct of any external website you reach.

Liability Limitations

We provide our advisory guidance with reasonable skill and care. To the fullest extent permitted by law, our total liability to you arising out of these terms or the services we provide is limited to the extent of any fees you actually paid for the relevant advisory work.

This measured limit reflects a fair bargain rather than a wish to avoid responsibility. It keeps professional advice available at a price a household can afford, because an advisor who must insure against unlimited claims would be forced to charge for risk that the work itself does not create. Bundling that risk back into every ordinary fee would push honest guidance out of reach, and none of us want that.

We are not liable for losses that our reasonable efforts could not have prevented, including changes in lender policy, delays caused by parties outside our control, or the consequences of inaccurate information you supply. Nothing in these terms limits any liability that cannot lawfully be limited, and nothing removes your right to raise a genuine concern with us.

Indemnification

You agree to indemnify and hold harmless FHA Solutions Inc and its staff from any claims, losses, damages and reasonable costs that arise from your breach of these terms, your misuse of the website, or your supply of false or misleading information to us or to a lender through our advice.

This clause is intended to protect us from liability that you create through your own actions, not to place an unfair burden on you. We will only rely on it where a claim flows directly from your conduct rather than from a failure on our side.

Changes to the Service and Terms

We may update these Terms of Service from time to time to reflect improvements in our services or changes in the law. When we do, we will adjust the effective date shown at the top of this page and may draw your attention to the change during our next contact.

We may also refine the specific advisory services we offer. A change to the range of services or to these terms does not affect the substance of an engagement already agreed, and we will honour any signed engagement on the terms that applied when it was made.

Suspension and Termination

You may withdraw from our advisory relationship at any time by letting us know through any of our contact channels. Where chargeable work has been done up to that point, it is billed fairly for the time and effort genuinely spent, and we will release reasonable copies of documents that belong to you.

We may suspend or end an engagement where you misuse our services, supply information dishonestly or act in a way that is harmful to our team or suppliers, giving notice where doing so is practical and responsible. Ending an engagement does not remove obligations under the clauses that are meant to survive, such as those on liability and intellectual property.

Governing Law

These Terms of Service are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in that province, without regard to conflict of law rules. You agree that the courts of Ontario will have jurisdiction over any dispute that relates to these terms.

Before resorting to formal proceedings, we invite you to raise any concern with us directly so that we have the chance to resolve it fairly and quickly, in the spirit of the open relationship these terms describe.

Contacting Us

Questions about these Terms of Service are welcome and will be answered plainly. Write to FHA Solutions Inc at 1201-1200 Bay St, Toronto - M5R 2A5, Canada (CA), email reach@fhasolutions.hair or call +12176051910 during business hours.

We want every client to feel that they were dealt with fairly from the first message to the final handover of keys. These terms are written to support that simple aim, and we thank you for placing your home financing journey in our careful hands.