Terms of Service | Empire Home Loans
Michael "Big Sarge" Mesa, Senior Military Mortgage Advisor at Empire Home Loans
Terms of Service | Empire Home Loans
Terms of Service & Contact Agreement
1. Acceptance of Terms
2. Eligibility
3. Contact Information & Communication
3.1 Consent to Contact
3.2 Purpose of Communication
3.3 Telephone Consumer Protection Act (TCPA) Compliance
4. No Guarantee of Approval or Funding
5. Accuracy of Information
6. Privacy & Data Protection
6.1 Privacy Policy
6.2 Information Security
7. Electronic Signatures & Records
8. Intellectual Property
9. Disclaimer of Warranties
10. Limitation of Liability
11. Equal Housing Opportunity
12. Governing Law
13. Changes to Terms
14. Severability
15. Contact Information
Effective Date: March 27, 2026 | Last Updated: March 27, 2026
By accessing, browsing, or submitting information through the contact forms on this website (the "Site"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use this Site or submit any information.
By using this Site, you represent and warrant that:
By submitting your contact information through this Site, you expressly consent to being contacted by and via:
Contact will be made solely for mortgage-related purposes, including but not limited to:
You acknowledge that:
IMPORTANT NOTICE: Submission of contact information or a loan inquiry does not constitute a mortgage application, nor does it guarantee:
All loan programs are subject to credit approval, underwriting guidelines, and verification of information. Rates and terms are subject to change without notice.
You agree to provide accurate, current, and complete information when completing contact forms or loan inquiries. reserves the right to verify all information provided and to refuse service to anyone providing false or misleading information.
Your use of this Site is also governed by our Privacy Policy , which is incorporated herein by reference. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.
While we implement reasonable security measures to protect your information, you acknowledge that no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security of your data.
You agree that electronic submissions, agreements, and records shall have the same legal effect as paper-based documents. You consent to the use of electronic signatures and electronic delivery of disclosures and documents.
All content on this Site, including but not limited to text, graphics, logos, images, and software, is the property of or its content suppliers and is protected by United States and international copyright laws. Unauthorized use or reproduction is strictly prohibited.
THIS SITE AND ALL CONTENT, PRODUCTS, AND SERVICES PROVIDED ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, , , AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF THIS SITE OR ANY INFORMATION PROVIDED HEREIN.
supports Equal Housing Opportunity. We conduct business in accordance with the Federal Fair Housing Law, which prohibits discrimination based on race, color, religion, sex, handicap, familial status, or national origin.
These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any legal action arising from these Terms shall be brought exclusively in the courts of Sacramento County, California.
We reserve the right to modify these Terms at any time without prior notice. Changes will be effective immediately upon posting to this Site. Your continued use of the Site constitutes acceptance of the modified Terms.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
For questions regarding these Terms, please contact:
4401 Hazel Ave Suite 225 Fair Oaks, CA 95628
Email: Phone:
NMLS # Company NMLS #
Electronic Agreement
BY SUBMITTING YOUR INFORMATION THROUGH THIS WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.
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