Terms & Conditions
These Terms & Conditions (“Terms”) govern your use of mortgage.apprvl.io and related pages (the “Site”), operated by Saxton Mortgage, LLC, NMLS #1717191 (“we,” “us,” or “our”). By using the Site or submitting a form, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Site.
1. Who we are
We are a licensed mortgage broker, not a lender, unless stated otherwise in your loan documents. We may not offer services in every state due to licensing. You can verify our licensing at NMLS Consumer Access.
2. No offer or commitment to lend
Content on the Site is for general information only. Nothing on the Site is an offer, a commitment to lend, a loan approval, or a rate lock. All loans are subject to application, credit approval, underwriting, property valuation, and other conditions. Rates, fees, terms, and loan programs vary by lender, state, and borrower, and may change without notice. A HELOC or home equity loan is secured by your home, so failing to repay could put your home at risk. HELOCs generally have variable rates. A home equity investment works differently from a loan and involves sharing part of the home's future value with an investor.
3. General information only
Information on the Site about home equity products (such as HELOCs, home equity loans, and home equity investments), amounts, rates, and terms is general and educational. It is not a quote, an appraisal, or a prediction of what you will be offered. What you may qualify for depends on lender guidelines, your credit, your income, the property, and your state.
4. Eligibility
You must be at least 18 years old and a resident of the United States to use the Site and request our services. The Site is intended for people seeking financing on property they own.
5. Your information and consent to be contacted
You agree to provide information that is accurate, current, and complete, and that you have the right to share. By submitting a form, you consent to be contacted by us, and by lenders and providers we work with on your request, by phone, text message, and email at the number and address you provide, including through automated technology. Consent is not a condition of purchasing any product or service. Message frequency varies, and message and data rates may apply. You can reply STOP to any text to opt out. We will not pull your credit without your separate authorization.
6. Electronic communications
You agree that we may send you notices and disclosures electronically, and that electronic records and signatures have the same effect as paper ones to the extent permitted by law.
7. Acceptable use
You agree not to submit false or misleading information, impersonate another person, interfere with or attempt to disrupt the Site, use automated tools to scrape or submit forms, or use the Site for any unlawful purpose.
8. Advertising platforms
This Site is not a part of the Facebook or Instagram websites or Meta Platforms, Inc., and is not endorsed by Facebook or Instagram in any way. FACEBOOK and INSTAGRAM are trademarks of Meta Platforms, Inc.
9. Third-party links and services
The Site may contain links to third-party websites and services. We do not control them and are not responsible for their content, products, or practices.
10. Intellectual property
The Site’s content, design, and branding belong to us or our licensors and are protected by law. You may view and use the Site for your personal, non-commercial purposes only. You may not copy, reproduce, or distribute it without our written permission.
11. Disclaimers
The Site and its content are provided “as is” and “as available,” without warranties of any kind, express or implied, to the fullest extent permitted by law. We do not warrant that the Site will be uninterrupted or error-free, or that any particular loan or rate will be available to you.
12. Limitation of liability
To the fullest extent permitted by law, we and our affiliates, officers, employees, and agents are not liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits or data, arising from your use of the Site. Nothing in these Terms limits any rights or protections you have under applicable consumer-protection or mortgage laws that cannot be waived.
13. Governing law and disputes
These Terms are governed by the laws of the State of California, without regard to conflict-of-law rules.
14. Equal Housing Opportunity
We are committed to fair lending and comply with the Fair Housing Act and Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, age, receipt of public assistance, or any other protected status.
15. Changes
We may update these Terms from time to time. The “Last updated” date above shows the current version. Continued use of the Site after changes means you accept the updated Terms.
16. Contact us
Saxton Mortgage, LLC
NMLS #1717191 · CA DRE #02205650
9191 Towne Centre Dr, STE 400, San Diego, CA 92122
Email: Deion@SaxtonMortgage.com