Terms of Use

These Terms of Use ("Terms") govern your access to and use of the website located at www.assisthomeloans.com (the "Site") and any related services, communications, and interactions with Assist Home Loans ("Company," "we," "us," or "our"), NMLS #1678642, a licensed mortgage broker in the State of California under the California Department of Financial Protection and Innovation (DFPI) pursuant to the California Residential Mortgage Lending Act (CRMLA), and also licensed in the State of Colorado.

PLEASE READ THESE TERMS CAREFULLY. BY ACCESSING OR USING THIS SITE, SUBMITTING ANY FORM, CLICKING "AGREE," OR ENGAGING WITH ANY OF OUR SERVICES, YOU AGREE TO BE LEGALLY BOUND BY THESE TERMS AND OUR PRIVACY POLICY, WHICH IS INCORPORATED HEREIN BY REFERENCE. IF YOU DO NOT AGREE, DO NOT USE THIS SITE OR OUR SERVICES.

1. Acceptance of Terms

These Terms constitute a legally binding agreement between you ("User," "you," or "your") and Assist Home Loans. Your continued use of the Site following any modification to these Terms constitutes acceptance of the revised Terms. We reserve the right to update, modify, or replace any portion of these Terms at any time in our sole discretion. We will post changes to this page with a revised effective date. It is your responsibility to check these Terms periodically for changes.

These Terms apply to all visitors, users, and others who access or use the Site, whether or not they submit a loan inquiry or application.

2. Eligibility

By using this Site, you represent and warrant that: (a) you are at least 18 years of age; (b) you have the legal authority to enter into these Terms; (c) you will use the Site only for lawful purposes; and (d) all information you provide to us is accurate, current, and complete. The Site is intended for use by individuals located in the United States. We make no representation that the Site is appropriate or available for use in locations outside the United States.

3. Not a Commitment to Lend

Nothing on this Site constitutes an offer or commitment to lend, a loan approval, a loan guarantee, or a promise of any specific interest rate, loan product, or terms. All information provided on this Site is for general informational and educational purposes only. Mortgage rates, loan products, and terms are subject to change without notice and will vary based on your individual financial profile, credit history, property type, and other factors. All loans are subject to credit approval, property appraisal, income verification, and satisfaction of all applicable underwriting guidelines.

Any rate quotes, payment estimates, or loan scenarios displayed on this Site are illustrative examples only and do not constitute a Loan Estimate, Good Faith Estimate, or any other binding disclosure required under the Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), or applicable state law.

4. Submission of Information — Consent to Contact and Use

When you submit any form, inquiry, application, or other information through this Site, including but not limited to your name, phone number, email address, property information, income details, or financial data, you expressly consent to the following:

• Contact by Assist Home Loans: You consent to be contacted by Assist Home Loans via telephone (including mobile/cell phones), email, text message (SMS), and postal mail, including through the use of automated telephone dialing systems and/or pre-recorded messages, for any purpose related to your inquiry and for marketing purposes, as permitted by the Telephone Consumer Protection Act (TCPA), CAN-SPAM Act, and applicable state law. You acknowledge that consent to receive such communications is not a condition of receiving any mortgage services.
• Contact by Affiliated Companies: You consent to be contacted by companies that are under common ownership or control with Assist Home Loans ("Affiliates"), which may include real estate, title, insurance, financial planning, and other home-related services companies. Affiliates may contact you using the same methods described above.
• Internal Use of Your Information: You authorize Assist Home Loans to use any information you submit — including personal, financial, and property-related data — internally for the purpose of evaluating your loan request, marketing additional products and services to you, improving our offerings, and conducting analytics and business operations.
• Soft and Hard Credit Inquiries: By submitting a pre-qualification or loan application, you authorize Assist Home Loans to obtain consumer reports and credit information about you from one or more consumer reporting agencies, as permitted by the Fair Credit Reporting Act (FCRA). A soft inquiry may be conducted in connection with preliminary pre-qualification. A hard inquiry will be conducted only upon your formal loan application and with your express authorization.
• No Revocation of Consent During Active Loan Processing: If you have submitted a formal loan application, your consent to communications necessary to process your application may not be revoked until your application has been resolved (approved, denied, withdrawn, or expired).

You may opt out of marketing communications at any time by responding STOP to any text message, clicking "Unsubscribe" in any marketing email, or contacting us in writing. Opting out will not affect our ability to send transactional or legally required communications.

5. Use of the Site

You agree to use this Site only for lawful purposes and in a manner consistent with all applicable local, state, federal, and international laws and regulations. You agree not to:

• Use the Site to transmit any unsolicited, unauthorized, or harmful communications;
• Attempt to gain unauthorized access to any portion of the Site or any systems or networks connected to the Site;
• Use any automated means, including robots, scrapers, or spiders, to access or collect data from the Site;
• Interfere with or disrupt the integrity or performance of the Site or any content thereon;
• Post, transmit, or submit any content that is false, misleading, defamatory, obscene, unlawful, or that violates any third party's rights;
• Use the Site to impersonate any person or entity or misrepresent your affiliation with any person or entity;
• Attempt to circumvent any security or access control measures on the Site.

We reserve the right to terminate your access to the Site at any time, without notice, for any reason, including violation of these Terms.

6. Intellectual Property

All content on this Site — including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations, and software — is the property of Assist Home Loans or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, publicly display, publicly perform, transmit, sell, or create derivative works from any content on this Site without our prior written consent.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Site for your personal, non-commercial purposes, subject to these Terms. This license does not include any right to resell or commercially exploit the Site or its contents.

7. Third-Party Links and Services

This Site may contain links to third-party websites, tools, or services, including but not limited to loan application platforms, rate aggregators, mortgage calculators, scheduling tools, and lender portals. These links are provided for your convenience only. We do not endorse and are not responsible for the content, accuracy, privacy practices, or terms of any third-party website or service. Your use of any third-party site is at your own risk and subject to the terms and conditions of that site.

Our integration with or reference to third-party services, lenders, or platforms does not constitute a referral fee arrangement in violation of RESPA Section 8 unless separately disclosed in applicable loan disclosures.

8. Disclaimer of Warranties

THIS SITE AND ALL CONTENT, MATERIALS, INFORMATION, SERVICES, AND PRODUCTS AVAILABLE ON OR THROUGH THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, OR TIMELINESS OF ANY INFORMATION AVAILABLE THROUGH THE SITE, INCLUDING INTEREST RATES, LOAN PROGRAMS, OR ELIGIBILITY CRITERIA.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ASSIST HOME LOANS, ITS OWNERS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SITE, ANY CONTENT OR SERVICES AVAILABLE ON THE SITE, OR ANY TRANSACTION CONDUCTED THROUGH THE SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE EXCEED ONE HUNDRED DOLLARS ($100.00). SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

10. Indemnification

You agree to indemnify, defend, and hold harmless Assist Home Loans and its owners, officers, employees, agents, Affiliates, licensors, and service providers from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to: (a) your violation of these Terms; (b) your use of the Site or its content; (c) your submission of any false, misleading, or fraudulent information; (d) your violation of any applicable law or regulation; or (e) any third-party claim arising from your use of the Site.

11. Communications and Electronic Records

By using this Site and providing your contact information, you consent to receive communications from us electronically. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically — via email or posted on the Site — satisfy any legal requirement that such communications be in writing. You acknowledge that electronic records are the equivalent of written records for all purposes under applicable law, including the Electronic Signatures in Global and National Commerce Act (E-SIGN) and applicable state law, including California's Uniform Electronic Transactions Act (UETA) and Colorado's Uniform Electronic Transactions Act.

12. California-Specific Provisions

For California residents, the following additional provisions apply:

• California Consumer Privacy Act (CCPA/CPRA): Your rights regarding personal information are described in our Privacy Policy. These Terms do not limit any rights you have under the CCPA/CPRA to the extent those rights are not preempted by federal law.
• California Business & Professions Code § 17200: Nothing in these Terms waives any right you have under California's Unfair Competition Law.
• CRMLA Licensure: Assist Home Loans is licensed by the California DFPI under the CRMLA, NMLS #1678642. You may verify our license at the NMLS Consumer Access website: nmlsconsumeraccess.org.
• California Homeowner's Bill of Rights: To the extent any provisions of the California Homeowner's Bill of Rights (Civil Code § 2923.4 et seq.) apply to your mortgage transaction, those provisions govern and are not modified by these Terms.

13. Colorado-Specific Provisions

For Colorado residents, the following additional provisions apply:

• Colorado Privacy Act (CPA): Your rights regarding personal data are described in our Privacy Policy and are not limited by these Terms to the extent provided by the CPA.
• Colorado Mortgage Broker Licensing: Assist Home Loans is licensed to conduct mortgage brokering activity in the State of Colorado. You may verify our license at nmlsconsumeraccess.org.
• Colorado Consumer Protection Act: Nothing in these Terms limits your rights under the Colorado Consumer Protection Act (C.R.S. § 6-1-101 et seq.).

14. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Site that is not resolved informally shall be subject to binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, except that either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm.

Class Action Waiver: YOU AND ASSIST HOME LOANS AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. To the extent applicable law prohibits this waiver, this waiver shall not apply to you.

You agree to attempt to resolve any dispute informally by contacting us first at justin@assisthomeloans.com. We will attempt in good faith to resolve any dispute within thirty (30) days.

15. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable under applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, or severed from these Terms if modification is not possible, and the remaining provisions shall continue in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices or agreements published by us on the Site, constitute the entire agreement between you and Assist Home Loans with respect to your use of the Site and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Site.

17. Waiver

Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision. A waiver of any default shall not constitute a waiver of any subsequent default.

18. Contact Information

For questions regarding these Terms of Use, please contact us:

These Terms of Use do not constitute legal advice. Assist Home Loans is a licensed mortgage broker, not a mortgage lender. All loans are subject to credit approval. Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Also licensed in Colorado. NMLS #1678642.