TERMS & CONDITIONS

Effective Date: January 1st, 2025

Welcome to American Home Equity Mortgage’s website (the “Site”). Please read these Terms and Conditions carefully before using our services. By accessing or using the Site, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use the Site.

1. Acceptance of Terms

By accessing and using the Site, you acknowledge that you have read, understood, and agreed to these Terms and Conditions, as well as our Privacy Policy. These Terms apply to all visitors, users, and anyone who accesses or uses our services.

2. Our Services

American Home Equity Mortgage provides mortgage-related services, including but not limited to:

Loan application and pre-qualification
Mortgage rate information
Educational resources on home financing options

Disclaimer: The information provided on this Site is for general informational purposes only and should not be construed as financial, legal, or tax advice.

3. California-Specific Consumer Disclosures

Pursuant to California law, consumers have the following rights under the California Consumer Privacy Act (CCPA):

Right to Know: You have the right to request the categories and specific pieces of personal information we collect and how that information is used.
Right to Delete: You may request that we delete your personal information, subject to certain exceptions.
Right to Opt-Out of Sale: We do not sell your personal information to third parties.
Non-Discrimination: We will not discriminate against you for exercising any of your rights under the CCPA.

To submit a data request, please contact us at mark@ahemortgage.net.

4. No Guarantee of Loan Approval

Submitting an application through our Site does not guarantee loan approval. Approval is subject to credit checks, income verification, and other eligibility criteria. Loan terms may vary based on individual qualifications and lender policies.

5. Use of the Site

You agree to use the Site only for lawful purposes and in compliance with applicable federal and state laws. You must not:

Use the Site in any way that violates applicable laws or regulations.
Attempt to gain unauthorized access to the Site or its systems.
Use the Site for fraudulent purposes or to impersonate another individual or entity.

We reserve the right to terminate or restrict access to the Site if we believe you have violated these Terms.

6. Intellectual Property

All content, design, logos, text, images, graphics, and other materials on the Site are the property of American Home Equity Mortgage or its licensors and are protected by intellectual property laws. You may not reproduce, distribute, or use any content without our written permission.

7. Third-Party Links

The Site may contain links to third-party websites for your convenience. We do not endorse or assume responsibility for the content, privacy practices, or terms of use of these third-party sites. Accessing third-party links is at your own risk.

8. Disclaimer of Warranties

The Site and its content are provided on an "as-is" and "as-available" basis. We make no warranties, expressed or implied, regarding the Site’s availability, accuracy, or reliability.

9. Limitation of Liability

To the fullest extent permitted by law, American Home Equity Mortgage shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from your use of the Site.

10. Governing Law

These Terms are governed by the laws of the State of California. Any disputes will be resolved exclusively in the courts located in San Diego County, California.

11. Contact Us

American Home Equity Mortgage
NMLS #349307 | BRE #01468477
Phone: (619) 482-3700
Email: mark@ahemortgage.net