Terraflow LLC - Real Estate - Series 12, the operator of Xai.homes, is not a lender. The Decentralized Finance (DeFi) applications and smart contracts that Xai.homes works with along with various certified lenders in your jurisdiction to find funding for houses and real estate for its clients, as well as the means by which Terraflow LLC - Real Estate - Series 12 integrates and interfaces with lenders, are at risk of exploitation, hacking, or other unforeseen circumstances that may affect the process of obtaining full funding of a house or real estate through Xai.homes even when the process is already underway. Please be aware that there my be certain financial restrictions, or restrictions on ownership of property, depending on your nationalities/citizenship(s).