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Terms of Use

A Clear Way Home · Christa Votaw, NMLS #1111313 · Clear Home Loans, a Division of Aspire Home Loans, LLC · NMLS #1955132 · Last updated: July 2026

1. Acceptance of Terms

This website, A Clear Way Home, is operated by Christa Votaw with Clear Home Loans, a Division of Aspire Home Loans, LLC (NMLS #1955132). By accessing or using this website — or any website operated by or affiliated with Aspire Home Loans LLC, including all loan officer and division websites associated with Aspire (“we,” “us,” or “our”) — you agree to be bound by these Terms of Use. If you do not agree with these Terms of Use, please do not use this website.

2. Description of Services

Aspire Home Loans LLC is a licensed mortgage company (NMLS# 1955132) offering residential mortgage loan origination services in the states in which it is licensed. This website is provided for informational purposes and to facilitate initial contact with consumers interested in mortgage loan products. Use of this website does not constitute a loan application, a loan commitment, or a guarantee of any loan terms.

3. Not a Loan Application

Information submitted via this website (including contact forms, inquiry forms, and landing pages) does not constitute a completed loan application under the Real Estate Settlement Procedures Act (RESPA) or any applicable state law. A loan application is only deemed submitted upon delivery of the six standard application elements as defined by Regulation B and Regulation X. Aspire Home Loans LLC reserves the right to make or decline any loan based on applicable underwriting criteria.

4. Accuracy of Information

Aspire Home Loans LLC makes every effort to ensure that information on this website is accurate and up to date. However, mortgage rates, loan programs, terms, and availability change frequently and without notice. Information presented on this website is for general informational purposes only and should not be relied upon as a guarantee of specific loan terms, rates, or availability. Contact an Aspire loan officer directly for current rates and program availability.

5. NMLS Disclosure

Aspire Home Loans LLC is registered with the Nationwide Mortgage Licensing System and Registry (NMLS). Our NMLS ID is 1955132. Individual loan officers are also registered with NMLS; their individual NMLS numbers are displayed on their respective profile or bio pages. To verify the license status of Aspire Home Loans LLC or any individual loan originator, visit NMLS Consumer Access at www.nmlsconsumeraccess.org.

6. State Licensing

Aspire Home Loans LLC is licensed to conduct mortgage lending only in the states where it holds an active license. Services are not available in all states. Access to this website does not imply or guarantee the availability of mortgage services in your state. See the Legal Disclosures & Licensing page for current state licensing information.

7. Prohibited Uses

You agree not to use this website to:

  • Submit false, misleading, or inaccurate information;
  • Engage in any activity that violates applicable local, state, or federal laws or regulations;
  • Transmit any unsolicited or unauthorized advertising or promotional material;
  • Attempt to gain unauthorized access to any part of the website or its related systems; or
  • Use the website in any manner that could disable, overburden, or impair its proper functioning.

8. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, audio clips, and software, is the property of Aspire Home Loans LLC or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this website without prior written permission from Aspire Home Loans LLC.

9. Third-Party Links

This website may contain links to third-party websites. These links are provided for your convenience only. Aspire Home Loans LLC has no control over the content of those sites and accepts no responsibility for them or for any loss or damage that may arise from your use of them.

10. No Legal, Tax, or Financial Advice

Content on this website is provided for general informational purposes only and does not constitute legal, tax, financial, or investment advice. You should consult with qualified professionals for advice specific to your situation. Aspire Home Loans LLC expressly prohibits its loan officers and employees from providing legal, tax, credit repair, or other professional advice that they are not qualified to give.

11. Limitation of Liability

To the fullest extent permitted by law, Aspire Home Loans LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this website or its content. Our total liability to you for any claim arising from use of this website shall not exceed one hundred dollars ($100.00).

12. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms of Use by reference. Please review our Privacy Policy to understand our practices.

13. Changes to Terms

Aspire Home Loans LLC reserves the right to modify these Terms of Use at any time without prior notice. Changes will be effective immediately upon posting to the website. Your continued use of the website following any changes constitutes your acceptance of the modified Terms of Use. The “Last Updated” date at the top of this page indicates when changes were most recently made.

14. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Travis County, Texas.

15. Contact Information

If you have any questions about these Terms of Use, please contact:
Christa Votaw · Mortgage Loan Officer · NMLS #1111313 · Clear Home Loans, a Division of Aspire Home Loans, LLC
503 Folly Road, Suite 200, Charleston, SC 29412 · 843.647.9686 · christa@clearhomeloans.com
Company: Aspire Home Loans LLC · 6415 Vaught Ranch Rd STE 200, Austin, TX 78730 · NMLS #1955132 · www.aspirehomeloans.com

This page is provided for general information and is not legal advice. Final production language should be reviewed and approved by your company's compliance team.

Christa Votaw · NMLS #1111313 · 843.647.9686 · christa@clearhomeloans.com

Home · Privacy Policy · Terms of Use · Legal Disclosures & Licensing

Clear Home Loans, a Division of Aspire Home Loans, LLC · NMLS #1955132 · Equal Housing Lender. We do not discriminate based on race, color, religion, national origin, sex, marital status, age, disability, or because you receive public assistance.

Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's website at www.sml.texas.gov.