Welcome to Simple Easy Loans. By accessing our website at www.emortgagecapital.com or utilizing our services, you agree to comply with and be bound by the following Terms of Service (“Terms”). These Terms govern your interaction with our website, services, and related platforms. Please read them carefully. If you do not agree with these Terms, you should not use our website or services.

1. Overview of Services
Simple Easy Loans is a licensed mortgage broker offering a variety of home financing solutions, including but not limited to conventional, FHA, VA, USDA, jumbo, and non-QM loans. Our services are designed to assist you in obtaining mortgage products tailored to your financial needs. By using our services, you acknowledge that we act as an intermediary between you and lenders, and we do not guarantee loan approval or specific terms.

2. Eligibility
To use our services, you must be at least 18 years old and a legal resident of the United States. You agree to provide accurate, complete, and current information during the application process. Misrepresentation of information may result in the termination of services or legal consequences.

3. Use of Our Website
Our website is provided for informational and transactional purposes related to mortgage services. You agree to use the website lawfully and in accordance with these Terms. Prohibited activities include, but are not limited to: Attempting to gain unauthorized access to our systems or data. Using the website for fraudulent or illegal purposes. Interfering with the website’s functionality or security.We reserve the right to suspend or terminate access to our website for any violation of these Terms.

4. Privacy and Data Security
Your privacy is important to us. Any personal information you provide will be handled in accordance with our Privacy Policy, which outlines how we collect, use, and protect your data. By using our services, you consent to the collection and use of your information as described in the Privacy Policy.

5. Loan Application and Process
When you apply for a mortgage through Simple Easy Loans, you authorize us to share your information with third-party lenders, credit agencies, and other entities necessary to process your application. We strive to offer competitive rates and terms, but final loan approval, interest rates, and conditions are determined by the lender, not Simple Easy Loans. You are responsible for reviewing and understanding all loan documents before signing.

6. No Guarantee of Results
While we aim to provide the best possible mortgage solutions, we do not guarantee loan approval, specific interest rates, or closing timelines. Outcomes depend on various factors, including your financial profile, market conditions, and lender requirements.

7. Intellectual Property
All content on our website, including text, graphics, logos, and software, is the property of Simple Easy Loans or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or modify any content without our prior written consent.

8. Limitation of Liability
To the fullest extent permitted by law, Simple Easy Loans, its affiliates, officers, and employees shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of our website or services. This includes, but is not limited to, damages related to loan denials, delays, or financial losses.

9. Indemnification
You agree to indemnify and hold harmless Simple Easy Loans and its affiliates from any claims, losses, or damages arising from your violation of these Terms, misuse of our services, or infringement of third-party rights.

10. Changes to Terms
We may update these Terms from time to time to reflect changes in our practices or legal requirements. Any updates will be posted on our website, and your continued use of our services after such changes constitutes your acceptance of the revised Terms.

11. Governing Law
These Terms are governed by the laws of the State of California, without regard to its conflict of law principles. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Orange County, California.

12. Contact Information
If you have questions about these Terms or our services, please contact us at:
Simple Easy Loans
18071 Fitch, Suite 200
Irvine, CA 92614
Phone: (949) 919-5199
Email: [email protected]

By using our website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.