Terms & Conditions

Terms & Conditions

Highland Lending LLC
Last updated: August 20, 2026

Welcome to Highland Lending LLC (“Highland Lending,” “we,” “our,” or “us”). These Terms & Conditions (“Terms”) govern your use of our website, services, communication channels, and any information you submit through our online forms, phone systems, SMS systems, email, or other contact methods.

By accessing or using this website or submitting information to Highland Lending LLC, you agree to these Terms. If you do not agree, please do not use our website or services.

SMS text-message consent is optional and is governed separately by Section 5 of these Terms.

1. General Information

Highland Lending LLC is a direct private lender that originates business-purpose real estate loans, including fix-and-flip, rental bridge, and new-construction loans secured by non-owner-occupied investment properties.

We underwrite, fund, and service our own loans. We are not a broker, and we do not sell or refer loan applications to third-party lenders.

We currently operate in Maryland and Florida.

Nothing on this website constitutes a commitment to lend. All loans are subject to verification, underwriting approval, documentation, property eligibility, and the availability of capital.

2. Eligibility

You may use this website and submit inquiries only if you:

  • Are at least 18 years old.
  • Are legally capable of entering into binding agreements.
  • Are using the website for lawful purposes related to business-purpose real estate investment activities.

Borrowers must comply with all applicable federal, state, and local laws and regulations.

3. Use of Website and Services

By using our website or submitting information through our forms, phone systems, SMS systems, or email, you agree that:

  • You will provide true, accurate, and complete information.
  • You will not use this website for fraudulent, unlawful, or harmful purposes.
  • You will not attempt to gain unauthorized access to any systems or data.

All website content is provided for informational purposes only and does not constitute legal, financial, tax, or investment advice.

4. No Commitment to Lend

Submitting a loan inquiry or application does not guarantee approval or constitute a commitment to lend.

Loan terms, rates, fees, structures, underwriting requirements, and capital availability may change without notice.

Highland Lending LLC reserves the right to:

  • Decline any application.
  • Adjust proposed loan terms.
  • Require additional documentation.
  • Modify underwriting requirements.
  • Withdraw indicative terms before issuing a binding written commitment.

5. SMS Terms and Communications Consent

If you opt in by checking the separate SMS consent checkbox on our application form, Highland Lending LLC may send you text messages regarding:

  • Your loan inquiry.
  • Your application status.
  • Document requests.
  • Underwriting updates.
  • Inspection scheduling.
  • Construction draw requests.
  • Payoff requests.
  • Closing logistics.
  • Loan servicing.

Message frequency varies depending on the status of your inquiry or loan file, typically between one and six messages per month while a file is active. Message and data rates may apply.

Reply HELP for help or contact Highland Lending LLC at 410-205-6342 or contact@highlandlendingco.com.

Reply STOP to unsubscribe from text messages at any time. After you submit a STOP request, you may receive one final message confirming your opt-out. You will not receive additional text messages unless you provide new consent.

Consent to receive text messages is optional and is not a condition of applying for or receiving a loan. You may submit an application without checking the SMS consent box.

Mobile carriers are not liable for delayed or undelivered messages. Message delivery is subject to the effective transmission and service availability of your mobile carrier.

Highland Lending LLC does not use this SMS program to send unsolicited loan solicitations, promotional offers, investment opportunities, securities-related messages, or investor-relations communications.

We may still contact you by telephone or email regarding an inquiry or application you submit, subject to applicable law and any communication preferences you provide.

6. Privacy Policy

Your use of our website and participation in our SMS program are also governed by our Privacy Policy:

https://highlandlendingco.com/privacy-policy/

The Privacy Policy explains how we collect, use, disclose, and safeguard your information, including mobile phone numbers and SMS opt-in data.

7. Third-Party Services

We may use service providers and technology platforms to support:

  • Phone calls.
  • SMS communications.
  • Loan-application forms.
  • Customer relationship management.
  • Website hosting.
  • Website analytics.

These service providers may process information on our behalf solely as necessary to provide their services. Mobile information and SMS opt-in data will not be shared with third parties or affiliates for marketing or promotional purposes.

We are not responsible for service interruptions, transmission failures, or other errors caused by third-party platforms or mobile carriers.

8. Intellectual Property

All content on highlandlendingco.com, including text, graphics, logos, branding, and design, is the property of Highland Lending LLC or its licensors.

You may not copy, reproduce, modify, distribute, sell, or publish website content without our written permission.

9. Disclaimer of Warranties

This website and all information provided through it are offered “as is” and “as available” without warranties of any kind.

Highland Lending LLC does not guarantee:

  • Approval for any loan.
  • The accuracy or completeness of website content.
  • The availability of capital.
  • That the website will be error-free or uninterrupted.
  • The delivery of any email or SMS communication.

Use of the website and services is at your own risk.

10. Limitation of Liability

To the fullest extent permitted by law, Highland Lending LLC will not be liable for direct, indirect, incidental, special, consequential, or punitive damages arising from:

  • Your use of the website or services.
  • Lost profits or business opportunities.
  • Data loss.
  • Business interruption.
  • Delayed or undelivered communications.
  • Unauthorized access outside our reasonable control.

Our liability is limited to the extent required by applicable Maryland and Florida law.

11. Indemnification

You agree to indemnify and hold Highland Lending LLC harmless from claims, liabilities, damages, losses, or expenses arising from:

  • Your use of the website.
  • Information you submit.
  • Your violation of these Terms.
  • Your violation of applicable law or the rights of another person.

12. Governing Law

These Terms are governed by applicable federal law and the laws of the State of Maryland or the State of Florida, as applicable.

Any dispute must be resolved in an appropriate state or federal court with jurisdiction over the matter.

13. Modifications to These Terms

We may update these Terms periodically. Changes become effective when posted on this page with a revised “Last updated” date.

Your continued use of the website after updated Terms are posted constitutes acceptance of those changes. Changes to the SMS program will not eliminate your right to opt out by replying STOP.

14. Contact Information

If you have questions about these Terms or our SMS program, please contact us:

Highland Lending LLC
606 Baltimore Ave, Unit 207 #650
Towson, MD 21204
Email: contact@highlandlendingco.com
Phone: 410-205-6342