Terms of Use

Effective July 12, 2026 · valoansbyjosh.com

What this site is

valoansbyjosh.com is an informational and marketing website for Joshua ("Josh") Poulin, a licensed mortgage loan originator (NMLS #2814275) with uMortgage, LLC (NMLS #1457759). By using the site, you agree to these terms.

Not a commitment to lend

Nothing on this site is a commitment to lend, an offer of credit, a rate quote, or a loan approval. All loans are subject to a completed application, credit approval, property appraisal, and program eligibility, and not all applicants will qualify. Loan programs, terms, and conditions change without notice.

Not financial, legal, or tax advice

Content here is general information about VA and other mortgage programs. It isn't financial, legal, or tax advice for your specific situation — that's what the actual conversation is for, and for legal or tax questions you should talk to the appropriate professional.

Where I'm licensed

I originate mortgage loans for properties located in Texas. Information on this site is intended for Texas consumers. You can verify licensing at NMLS Consumer Access.

Accuracy

I work to keep everything on this site current and correct, but program rules and figures change, and errors are possible. If something here conflicts with your official loan documents or disclosures, the official documents control.

Links to other sites

Booking, applications, and some resources run on third-party services (Microsoft Bookings, uMortgage's application platform, Google Maps). Those sites have their own terms and privacy policies, and I'm not responsible for their content.

Intellectual property

The content and design of this site belong to Josh Poulin. Don't copy or republish it without permission.

Governing law and changes

These terms are governed by Texas law. If they change, the updated version will be posted here with a new effective date. Questions: 214-817-7001 or jpoulin@umortgage.com.