Terms of Use

1. Acceptance of Terms

By accessing or using the website at optionshomeloans.com (the "Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site. These terms apply to all visitors, users, and others who access or use the Site.

2. About Options Home Loans

Options Home Loans LLC is a licensed California mortgage broker (NMLS #2221613, CA DRE #02221613). We are not a mortgage lender. We originate loans on behalf of wholesale lenders. All loans are subject to credit approval, underwriting guidelines, and applicable state and federal regulations.

3. Not a Commitment to Lend

Nothing on this Site constitutes a commitment or agreement to lend. Rate quotes, pre-qualification letters, and pre-approval letters are not guarantees of financing. All loan approvals are subject to full underwriting review, property appraisal, title review, and final lender approval. Rates and terms are subject to change without notice.

4. Accuracy of Information

We make reasonable efforts to ensure the accuracy of information on this Site, including mortgage rates, loan program guidelines, and eligibility requirements. However, mortgage rates change daily and program guidelines are subject to change. We do not warrant that any information on this Site is current, complete, or error-free. Always confirm current rates and program terms with a licensed loan officer.

5. Use of the Site

You agree to use this Site only for lawful purposes. You may not:

• Use the Site in any way that violates applicable federal, state, or local laws or regulations
• Transmit any unsolicited or unauthorized advertising or promotional material
• Attempt to gain unauthorized access to any part of the Site or its related systems
• Use automated tools to scrape, crawl, or extract data from the Site without our written permission
• Impersonate any person or entity or misrepresent your affiliation with any person or entity

6. Intellectual Property

All content on this Site — including text, graphics, logos, images, and software — is the property of Options Home Loans LLC or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

7. Third-Party Links

This Site may contain links to third-party websites, including the NMLS Consumer Access database, loan application portals, and other resources. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

8. Disclaimer of Warranties

This Site is provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

9. Limitation of Liability

To the fullest extent permitted by law, Options Home Loans LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this Site or any information obtained from it, even if we have been advised of the possibility of such damages.

10. Governing Law

These Terms of Use 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 disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Orange County, California.

11. Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after any changes constitutes your acceptance of the new terms.

12. Contact Us

If you have questions about these Terms of Use, please contact us: