Terms of Use

These Terms of Use govern your access to and use of MortgageOptions.org and any related webpages, forms, tools, calculators, content, communications, or services provided through the website.

By accessing or using MortgageOptions.org, you agree to these Terms of Use. If you do not agree, do not use this website.

1. About MortgageOptions.org

MortgageOptions.org is a consumer mortgage information and lead generation website. We provide educational content, mortgage-related tools, calculators, and inquiry forms designed to help consumers explore mortgage, refinance, HELOC, home equity, and home purchase options.

MortgageOptions.org is not a lender, mortgage broker, loan servicer, creditor, real estate broker, financial advisor, tax advisor, or law firm. We do not make credit decisions, issue loan approvals, underwrite loans, fund loans, service loans, or guarantee that you will qualify for any mortgage-related product.

When you submit information through the website, we may share your inquiry with lenders, mortgage brokers, marketplaces, call centers, lead buyers, service providers, marketing partners, or other third parties that may contact you regarding mortgage-related products or services.

The Consumer Financial Protection Bureau has issued guidance addressing digital comparison-shopping tools and lead generators that connect consumers with financial products, including concerns about preferencing or steering based on compensation or other operator benefits. MortgageOptions.org should be presented to users as an options and education platform, not as a guarantee that listed or contacted providers are the best or only options available.

2. Eligibility

You must be at least 18 years old and a resident of the United States to use this website.

By using MortgageOptions.org, you represent that:

• You are at least 18 years old;
• You are using the website for your own personal, household, or lawful business purposes;
• The information you provide is accurate, current, and complete;
• You will not use the website for fraudulent, unlawful, or abusive purposes.

3. Educational Information Only

The information on MortgageOptions.org is provided for general educational and informational purposes only.

Nothing on this website should be considered:

• Financial advice;
• Legal advice;
• Tax advice;
• Credit counseling;
• Real estate advice;
• A loan offer;
• A loan approval;
• A commitment to lend;
• A guarantee of rates, terms, savings, or eligibility.

You should consult qualified professionals before making financial, legal, tax, or real estate decisions.

4. No Loan Guarantee or Commitment to Lend

Submitting a form on MortgageOptions.org does not guarantee that you will:

• Be contacted by a lender or partner;
• Qualify for a loan;
• Receive a loan offer;
• Receive a specific interest rate;
• Receive specific loan terms;
• Be approved for a HELOC, refinance, mortgage, or home equity product;
• Save money by refinancing;
• Obtain any specific payment amount or loan amount.

Loan approval, rates, fees, terms, and eligibility depend on many factors, including your credit profile, income, assets, debts, property type, property value, equity, loan amount, occupancy, location, lender guidelines, market conditions, and underwriting review.

5. Lead Generation Disclosure

MortgageOptions.org is a lead generation website. By submitting information through our forms, you understand and agree that we may transmit your information to third-party partners, including but not limited to:

• Mortgage lenders;
• Mortgage brokers;
• Mortgage marketplaces;
• Banks;
• Credit unions;
• Call centers;
• Loan officers;
• Lead buyers;
• Marketing partners;
• Service providers;
• Home equity, HELOC, refinance, or purchase loan providers.

These third parties may contact you directly about mortgage-related products or services. Their products, rates, fees, terms, underwriting standards, and privacy practices are their own responsibility.

MortgageOptions.org does not control and is not responsible for any third-party offer, approval decision, pricing, loan product, disclosure, communication, or service.

6. Consent to Be Contacted

By submitting your information through MortgageOptions.org, you authorize MortgageOptions.org and its partners to contact you regarding mortgage, refinance, HELOC, home equity, home purchase, second home, or related financial services.

Contact may be made by:

• Email;
• Telephone call;
• Text message;
• Mail;
• Artificial or prerecorded voice, where permitted by law;
• Automated dialing technology, where permitted by law.

Consent is not a condition of purchase. Message and data rates may apply. You may opt out of marketing communications at any time.

The Telephone Consumer Protection Act and related telemarketing rules remain important for lead generation businesses that contact consumers by phone or text. Regulatory requirements and interpretations may change over time, so consent language and partner contact practices should be reviewed regularly.

7. Accuracy of Information You Provide

You agree to provide accurate, current, and complete information when using this website.

You agree not to submit:

• False information;
• Information about another person without authorization;
• Fraudulent mortgage inquiries;
• Misleading contact information;
• Invalid consent;
• Automated or bot-generated form submissions;
• Information intended to interfere with website operations.

We may reject, suspend, delete, or decline to process any submission that appears inaccurate, fraudulent, abusive, incomplete, or inconsistent with these Terms.

8. Calculators, Estimates, and Tools

MortgageOptions.org may provide calculators, estimators, comparison tools, or educational resources related to mortgage payments, affordability, refinance scenarios, HELOCs, VA loans, home equity, or other financial topics.

These tools are provided for educational estimates only. Results are not loan offers, pre-approvals, commitments to lend, underwriting decisions, or guarantees of payment amounts, rates, fees, savings, or eligibility.

Calculator results may depend on assumptions, user-provided inputs, default values, or estimated figures. Actual loan terms, taxes, insurance, PMI, HOA dues, closing costs, funding fees, monthly payments, and affordability may vary.

You should not rely solely on website calculators when making financial decisions.

9. Third-Party Partners and Websites

MortgageOptions.org may link to or connect you with third-party websites, lenders, brokers, marketplaces, advertisers, service providers, or other partners.

We do not control third-party websites or services. We are not responsible for:

• Third-party privacy practices;
• Third-party terms of use;
• Loan offers or denials;
• Credit decisions;
• Rates, fees, or terms;
• Advertising claims;
• Product availability;
• Communications from third parties;
• Errors, omissions, or misconduct by third parties.

When you interact with a third party, that third party's terms, disclosures, privacy policy, and legal obligations apply.

10. Advertising, Rankings, and Compensation

MortgageOptions.org may receive compensation from third parties, including lenders, brokers, marketplaces, advertisers, lead buyers, or marketing partners.

Compensation may affect whether, where, or how certain partners, products, links, or offers appear on the website or in connection with your inquiry.

Unless expressly stated, MortgageOptions.org does not claim that any partner, lender, product, or offer is the best available option for you. You should compare options independently and review all lender disclosures before making a decision.

If MortgageOptions.org displays endorsements, testimonials, ratings, reviews, rankings, or partner recommendations, those features must be presented clearly and accurately. FTC guidance requires truthful advertising and clear disclosures of material connections when endorsements, reviews, or recommendations may be influenced by compensation or a relationship with a brand.

11. User Conduct

You agree not to:

• Use the website for unlawful purposes;
• Interfere with website security or functionality;
• Attempt to access systems or data without authorization;
• Use bots, scrapers, crawlers, or automated tools without permission;
• Submit malicious code, viruses, or harmful content;
• Reverse engineer or copy website functionality;
• Misrepresent your identity or authority;
• Submit fraudulent leads or false inquiries;
• Use the website to harass, abuse, or harm others;
• Violate any applicable law, regulation, or third-party right.

We may restrict or terminate access for any conduct we believe violates these Terms or harms MortgageOptions.org, our users, partners, or service providers.

12. Intellectual Property

All content on MortgageOptions.org, including text, graphics, logos, icons, design elements, calculators, software, source code, page layouts, articles, images, and other materials, is owned by MortgageOptions.org or its licensors and is protected by intellectual property laws.

You may use the website for personal, non-commercial purposes only.

You may not copy, reproduce, modify, distribute, sell, lease, publish, display, create derivative works from, or exploit any website content without our prior written permission.

13. Trademarks

MortgageOptions.org, the MortgageOptions.org name, logos, branding, and related marks are trademarks or service marks of MortgageOptions.org or its affiliates.

You may not use our trademarks without prior written permission.

All other trademarks appearing on the website are the property of their respective owners.

14. Privacy

Your use of MortgageOptions.org is also governed by our Privacy Policy and any applicable privacy notices, including our California Privacy Rights Act Notice.

Please review those documents to understand how we collect, use, disclose, sell, share, and protect personal information.

15. Electronic Communications

By using the website or submitting information, you agree that we may communicate with you electronically, including by email, website notices, and digital records.

You agree that electronic communications satisfy any legal requirement that communications be in writing, unless applicable law requires otherwise.

16. No Professional Advice

MortgageOptions.org does not provide individualized financial, legal, tax, real estate, credit, or mortgage advice.

Any content, calculators, estimates, articles, or recommendations are general in nature and may not apply to your specific situation.

You are responsible for evaluating your own financial circumstances and consulting qualified professionals as needed.

17. Disclaimers

The website is provided on an "as is" and "as available" basis.

To the fullest extent permitted by law, MortgageOptions.org disclaims all warranties, whether express, implied, statutory, or otherwise, including:

• Implied warranties of merchantability;
• Fitness for a particular purpose;
• Non-infringement;
• Accuracy;
• Reliability;
• Availability;
• Security;
• Error-free operation;
• Suitability of any product, service, lender, or partner.

We do not guarantee that the website will be uninterrupted, secure, error-free, current, or free of viruses or harmful components.

18. Limitation of Liability

To the fullest extent permitted by law, MortgageOptions.org and its owners, officers, directors, employees, contractors, agents, affiliates, partners, service providers, and licensors will not be liable for any indirect, incidental, consequential, special, exemplary, punitive, or similar damages arising out of or related to your use of the website.

This includes damages related to:

• Lost profits;
• Lost data;
• Lost opportunities;
• Loan denial;
• Rate changes;
• Payment changes;
• Third-party communications;
• Credit decisions;
• Partner actions;
• Website errors;
• Unauthorized access;
• Reliance on website content or calculators.

To the fullest extent permitted by law, our total liability for any claim arising out of or related to the website or these Terms will not exceed $100.

Some jurisdictions do not allow certain limitations of liability, so some limitations may not apply to you.

19. Indemnification

You agree to indemnify, defend, and hold harmless MortgageOptions.org and its owners, officers, directors, employees, contractors, agents, affiliates, partners, service providers, and licensors from and against any claims, liabilities, damages, losses, costs, or expenses, including reasonable attorneys' fees, arising out of or related to:

• Your use of the website;
• Your violation of these Terms;
• Your submission of inaccurate, fraudulent, or unauthorized information;
• Your violation of law;
• Your violation of any third-party rights;
• Any dispute between you and a third-party partner, lender, broker, or service provider.

20. Dispute Resolution

Please contact us first if you have a concern. Many issues can be resolved informally.

You may contact us at:

info@mortgageoptions.org

If a dispute cannot be resolved informally, the dispute will be handled according to the governing law and venue provisions below, unless applicable law requires otherwise.

21. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict of law principles.

22. Venue

To the fullest extent permitted by law, any dispute arising out of or related to these Terms, the website, or your use of MortgageOptions.org shall be brought in the state or federal courts located in Orange County, California.

You consent to the personal jurisdiction and venue of those courts.

23. Changes to These Terms

We may update these Terms of Use at any time.

When we update these Terms, we will revise the "Last Updated" date above. Your continued use of the website after updated Terms are posted means you accept the updated Terms.

If you do not agree to the updated Terms, you should stop using the website.

24. Termination or Suspension

We may suspend, restrict, or terminate your access to MortgageOptions.org at any time, with or without notice, if we believe you violated these Terms, submitted fraudulent information, misused the website, or created risk for us, our users, or our partners.

25. Severability

If any provision of these Terms is found to be invalid, unlawful, or unenforceable, the remaining provisions will remain in full force and effect.

26. Entire Agreement

These Terms, together with the Privacy Policy, California Privacy Rights Act Notice, Advertising Disclosure, and any other notices posted on MortgageOptions.org, constitute the entire agreement between you and MortgageOptions.org regarding your use of the website.

27. Contact Information

For questions about these Terms of Use, contact us at:

MortgageOptions.org

590 S Coast Drive Suite #7

Laguna Beach, CA 92651