Terms and Conditions and Privacy Policy

Effective Date: 11.26.2024 Welcome to Mortgageloanshub.com, operated by Bayfront Lending. By accessing our website and services, you agree to the following Terms and Conditions and acknowledge our Privacy Policy. These govern your use of our services and outline your rights under California and federal law.

Terms and Conditions

Scope of Services

Mortgageloanshub.com offers services to assist with mortgage loan applications, refinancing, and consultations for first-time homebuyers. Our services comply with California Residential Mortgage Lending Act (CRMLA) regulations and other applicable state and federal laws.

Eligibility and Compliance

You must be at least 18 years old and provide accurate, complete, and truthful information during your application process. Services are subject to eligibility requirements, lender criteria, and credit approval.

Accuracy of Information

Users are responsible for ensuring that all submitted information is current and correct. Any false or misleading information may result in termination of services or legal consequences.

No Guarantees

Loan pre-qualification or application submission does not guarantee approval, funding, or specific terms. Approval is contingent on the lender’s underwriting process, creditworthiness, and other factors.

Fees and Payment Terms

Some services may involve fees. These will be disclosed upfront and are non-refundable unless otherwise stated. Additional costs, such as appraisal or credit checks, are handled directly with service providers.

Limitation of Liability

Mortgageloanshub.com is not liable for delays, losses, or denial of services caused by external factors, including changes in lender terms or incomplete documentation.

Legal Compliance

We adhere to federal and California regulations, including but not limited to the Equal Credit Opportunity Act (ECOA) and Fair Housing Act.

Dispute Resolution

Any disputes arising from the use of our services will be resolved in accordance with California law. By using our services, you agree to submit to the jurisdiction of courts located in California.

Changes to Terms

We may update these Terms and Conditions periodically. Continued use of the website constitutes acceptance of any revised terms.

Privacy Policy

Information We Collect

·       - Contact Information: Name, email, address, and phone number. ·       - Financial Details: Income, credit score, and tax returns. ·       - Employment History and Property Details.

How We Use Your Information

·       - Facilitating Services: Loan pre-qualification and lender submission. ·       - Communication: Responding to inquiries and providing updates. ·       - Compliance: Adhering to the California Consumer Privacy Act (CCPA) and other laws.

Data Sharing

·       - Information may be shared with: ·       - Lenders and third-party service providers necessary for loan processing. ·       - Regulatory authorities as required by law. ·       - No information is sold or shared without consent unless mandated.

Your Rights Under CCPA

·       - Access personal data collected about you. ·       - Request deletion of personal data, subject to legal exceptions. ·       - Opt-out of the sale of your personal data.

Security Measures

·       - We use advanced encryption and secure servers to protect sensitive information. ·       - Users are advised to maintain their own security by not sharing account credentials.

Cookies and Tracking

Our website may use cookies to enhance user experience. You can disable cookies in your browser settings, but this may limit functionality.

External Links

Our website may contain links to external sites. Mortgageloanshub.com is not responsible for the privacy practices of these external websites.

Changes to Privacy Policy

Updates to this Privacy Policy will be posted on our website. Users are encouraged to review it periodically.

Contact Information

If you have any questions regarding these policies or our services, contact us at: Phone: (949) 998-5994 Email: [email protected] Address: 3001 Red Hill Ave, Bld 2 #219, Costa Mesa, CA 92626 Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act CRMLA / (60DBO-87436) Bayfront Lending LLC NMLS #1748891 Your Trusted Mortgage Specialist!