Last updated: July 2026
Welcome to howtobuy.house (the “Site”), an informational website owned and operated by Polaris Nexus LLC, a limited liability company registered in the United States, with its address at 1621 Central Ave, Cheyenne, WY 82001, USA (“we,” “us,” or “our”). These Terms of Use (the “Terms”) govern your access to and use of the Site. By accessing or using the Site, you agree to be bound by these Terms and by our Privacy & Cookie Policy. If you do not agree, do not use the Site.
1. What the Site is — and what it is not
The Site publishes educational content about buying homes in the United States: guides, articles, explanations of loan and assistance programs, worked examples, and answers to common questions. All of it is general information, not advice tailored to any individual situation.
We are not a mortgage lender, mortgage broker, loan originator, bank, real estate broker or agent, law firm, tax advisor, financial advisor, insurance provider, housing counseling agency, or government agency. We do not originate, underwrite, fund, or approve loans; we do not buy, sell, list, or represent anyone in real estate transactions; and nothing on the Site constitutes legal, tax, financial, credit, insurance, or investment advice. Reading the Site creates no professional-client, attorney-client, fiduciary, or advisory relationship between you and Polaris Nexus LLC. Before making decisions about buying property, financing, taxes, or legal matters, consult qualified, licensed professionals in your state.
The Site is not affiliated with, endorsed by, or sponsored by HUD, FHA, VA, USDA, Fannie Mae, Freddie Mac, or any other government entity, agency, company, or program mentioned in our content. References to programs, agencies, companies, and trademarks are for identification and education only, and all trademarks belong to their respective owners.
2. Accuracy, timeliness, and no guarantees
The home-buying landscape changes constantly: interest rates move daily; loan program rules, fees, and income limits change at least annually; assistance-program funding opens and closes; and laws and taxes vary by state, county, and city. Although we work to keep content accurate, anything on the Site may be outdated, incomplete, or inapplicable to your location or situation by the time you read it, and we are under no obligation to update any particular page. Worked examples, payment figures, price ranges, and statistics are illustrative only and are not quotes, offers, prequalifications, approvals, or predictions. Always verify current figures, program terms, and legal requirements with official sources and licensed professionals before acting. We make no representation that using the Site will lead to any outcome, including loan approval, program eligibility, or a successful purchase — those decisions belong exclusively to the relevant lenders, agencies, and administrators under their own criteria.
3. Eligibility and acceptable use
The Site is intended for individuals 18 years of age or older. You agree to use the Site only for lawful, personal, non-commercial purposes. You agree not to: reproduce, republish, scrape, harvest, or mass-download Site content or data; use automated systems to access the Site except standard search-engine indexing; interfere with the Site’s operation or security or attempt to gain unauthorized access to any systems; frame or mirror the Site; remove or alter any copyright or attribution notices; or use the Site in any way that violates applicable law.
4. Intellectual property
All Site content — text, guides, graphics, design elements, logos, and the selection and arrangement of content — is the property of Polaris Nexus LLC or its licensors and is protected by copyright and other intellectual property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to view and print content for personal, non-commercial use. Any other use — including reproduction, distribution, modification, translation, or commercial exploitation — requires our prior written permission. Brief quotations with a link and attribution to the Site are welcome.
5. Third-party links
The Site links to external websites — such as government agencies, official program pages, and reference resources — solely for your convenience. We do not control those websites and are not responsible for their content, accuracy, availability, or practices. A link does not constitute an endorsement, and your use of any external website is at your own risk and subject to that website’s own terms and policies.
6. No warranties
THE SITE AND ALL ITS CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF ACCURACY, COMPLETENESS, TIMELINESS, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY DEFECTS WILL BE CORRECTED.
7. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, POLARIS NEXUS LLC AND ITS MEMBERS, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, OPPORTUNITY, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SITE OR ITS CONTENT — INCLUDING ANY DECISION MADE OR ACTION TAKEN IN RELIANCE ON ANYTHING PUBLISHED ON THE SITE — EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SITE SHALL NOT EXCEED ONE HUNDRED US DOLLARS (US$100). Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.
8. Indemnification
You agree to indemnify and hold harmless Polaris Nexus LLC and its members, officers, employees, and agents from any claims, damages, liabilities, and expenses (including reasonable attorneys’ fees) arising out of your misuse of the Site, your violation of these Terms, or your violation of any law or third-party right.
9. Governing law and disputes
These Terms are governed by the laws of the State of Wyoming, USA, without regard to conflict-of-laws principles. Any dispute arising from these Terms or the Site shall be resolved in the state or federal courts located in Wyoming, and you consent to their jurisdiction and venue, except where applicable law grants you rights to another forum. To the extent permitted by law, any claim must be brought within one (1) year after it accrues and only on an individual basis, not as part of a class or representative action.
10. Changes, suspension, and termination
We may modify these Terms at any time by posting an updated version with a new “Last updated” date; continued use of the Site after changes constitutes acceptance. We may modify, suspend, or discontinue any part of the Site at any time, and may restrict or terminate access for any user who violates these Terms.
11. General
These Terms, together with the Privacy & Cookie Policy, constitute the entire agreement between you and us regarding the Site. If any provision is held unenforceable, the remainder stays in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets.
12. Contact
Polaris Nexus LLC
1621 Central Ave, Cheyenne, WY 82001, USA
Email: info@polarisnexus.llc