These Terms of Service ("Terms") govern your use of the website mortgageguidecalifornia.com ("Site") operated by Save Financial, Incorporated ("Save Financial," "we," "us," or "our"), a California corporation licensed as a mortgage broker by the California Department of Real Estate (DRE #01875766) and registered with the Nationwide Mortgage Licensing System (NMLS #377740).
By accessing or using this Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.
1. Not a Commitment to Lend
Nothing on this Site constitutes a loan commitment, approval, or guarantee of any mortgage terms. All loan applications are subject to credit approval, underwriting, and verification. Rates, terms, and program availability are subject to change without notice and may vary based on your financial circumstances, property type, and other factors.
2. Educational Content Disclaimer
The articles, guides, calculators, and other educational content on this Site are provided for informational purposes only and do not constitute financial, legal, or tax advice. Content may not reflect the most current lending guidelines, rates, or regulations. You should consult with qualified professionals before making any financial decisions.
While we strive for accuracy, we make no warranties or representations regarding the completeness, accuracy, or timeliness of any content on this Site.
3. Mortgage Brokerage Disclosure
Save Financial operates as a mortgage broker, not a direct lender. We arrange but do not make loans. We work with multiple wholesale lenders to find competitive rates and terms for our clients. The lender(s) we recommend may not offer the lowest rates available in the market. You are encouraged to compare offers from multiple sources.
Save Financial may receive compensation from lenders in the form of origination fees, yield spread premiums, or other forms of broker compensation, which will be fully disclosed as required by the Real Estate Settlement Procedures Act (RESPA) and the Truth in Lending Act (TILA).
4. $500 Price Guarantee Terms
Save Financial's "$500 Price Match Guarantee" is subject to the following conditions: the competing offer must be a written Loan Estimate from a licensed lender for the same loan product, amount, and property, the offer must be received prior to loan lock with Save Financial, the comparison must be on an apples-to-apples basis (same rate, term, loan type, and lock period), and certain loan programs and situations may be excluded. Contact us for full guarantee terms and conditions.
5. Equal Housing Lender
Save Financial is an Equal Housing Lender. We comply with the Fair Housing Act, Equal Credit Opportunity Act (ECOA), and all applicable federal and California state fair lending laws. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, marital status, sexual orientation, gender identity, ancestry, source of income, age, or any other protected characteristic.
6. Use of the Site
You agree to use this Site only for lawful purposes and in accordance with these Terms. You may not use the Site to submit false, misleading, or fraudulent information, attempt to gain unauthorized access to our systems, interfere with the proper functioning of the Site, reproduce, distribute, or create derivative works from our content without permission, or use automated tools to scrape or collect data from the Site.
7. Intellectual Property
All content on this Site — including text, graphics, logos, icons, images, and software — is the property of Save Financial or its content suppliers and is protected by United States and international copyright laws. You may not reproduce, distribute, or republish any content without our prior written consent.
8. Third-Party Links
This Site may contain links to third-party websites, including lender sites, government resources, and industry tools. These links are provided for your convenience only. We do not endorse, control, or assume responsibility for the content or practices of any third-party sites.
9. Limitation of Liability
To the fullest extent permitted by law, Save Financial shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this Site or our services. Our total liability for any claim shall not exceed the amount of fees actually paid by you to Save Financial in connection with the transaction giving rise to the claim.
10. Indemnification
You agree to indemnify and hold harmless Save Financial, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the Site, violation of these Terms, or infringement of any third-party rights.
11. California Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict of law provisions. Any disputes shall be resolved in the state or federal courts located in Orange County, California.
12. Changes to Terms
We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the Site constitutes acceptance of the revised Terms.
13. Contact Us
Save Financial, Incorporated
4000 MacArthur Blvd, Suite 600
Newport Beach, CA 92660
Phone: (888) 703-1840
Email: mike.basti@iloanca.com
NMLS #377740 · DRE #01875766