Terms and Conditions

Effective Date: June 1, 2025
HomeLoan123, Inc.
NMLS #235684 | CA DRE #01183936

These Terms and Conditions (“Terms”) govern your access to and use of the website operated by HomeLoan123, Inc. (“Company,” “we,” “us,” or “our”) located at [Insert Website URL] (the “Site”). By accessing or using this Site, you acknowledge that you have read, understood, and agree to be legally bound by these Terms, as well as our Privacy Policy and any applicable state and federal laws and regulations governing mortgage lending and consumer financial services.

1. Legal Disclosures and Regulatory Compliance

HomeLoan123, Inc. operates in full compliance with applicable federal and state laws and regulations governing mortgage lending, including but not limited to:

·         The Truth in Lending Act (TILA)

·         The Real Estate Settlement Procedures Act (RESPA)

·         The Equal Credit Opportunity Act (ECOA)

·         The Fair Credit Reporting Act (FCRA)

·         The Gramm-Leach-Bliley Act (GLBA)

·         The California Consumer Privacy Act (CCPA), for California residents

·         The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act)

Nothing on this Site shall be construed as an offer to extend credit or a commitment to lend. All mortgage loan products are subject to qualification, underwriting approval, and applicable investor guidelines.

2. Eligibility and Permitted Use

This Site is intended solely for use by U.S. residents who are at least 18 years of age. By using the Site, you represent and warrant that you are of legal age to form a binding contract and that you are using the Site for lawful purposes only.

You agree not to:

·         Misrepresent your identity or provide false information

·         Interfere with the operation or security of the Site

·         Use automated systems (e.g., bots, scrapers) to extract data from the Site

·         Use the Site in violation of applicable laws or regulations

3. Financial Information Disclaimer

The information provided on this Site is for general informational purposes only and is not intended as legal, tax, investment, or financial advice. While we strive to present accurate and current data, we do not warrant or guarantee the completeness, reliability, or accuracy of any loan rates, terms, or financial calculators provided herein.

Loan availability, rates, terms, and conditions are subject to change without notice. Any mortgage estimates or rate quotes provided are non-binding and are not a loan approval or commitment to lend.

4. Intellectual Property Rights

All content, software, text, images, graphics, trademarks, service marks, and logos appearing on this Site are the property of HomeLoan123, Inc. or its licensors and are protected by intellectual property laws including, without limitation, the U.S. Copyright Act and Lanham Act.

No content from this Site may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed without our prior written consent, except for personal, non-commercial use.

5. Third-Party Links and Services

This Site may contain links to third-party websites or services for your convenience. Such links do not constitute an endorsement or approval by HomeLoan123, Inc. We are not responsible for the content, security, or privacy practices of those sites. We encourage you to review their respective terms and privacy policies.

6. Limitation of Liability

To the fullest extent permitted by applicable law, HomeLoan123, Inc. disclaims all liability for any damages, including but not limited to direct, indirect, incidental, special, consequential, or punitive damages, arising out of or in connection with your use of the Site, reliance on any information provided, or inability to access the Site.

7. No Warranty

The Site and its contents are provided on an “as is” and “as available” basis. We expressly disclaim all warranties, express or implied, including, without limitation, any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not guarantee the Site will be uninterrupted or error-free.

8. Governing Law and Jurisdiction

These Terms and any dispute arising from or related to your use of the Site shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles. You consent to the exclusive jurisdiction and venue of the state and federal courts located in Los Angeles, California, for the resolution of any legal matters related to these Terms.

9. Changes to Terms

We reserve the right to update or modify these Terms at any time, for any reason, without prior notice. Your continued use of the Site following the posting of revised Terms aconstitutes your acceptance of those changes. We encourage you to review these Terms periodically.