Terms of Service
Last updated: January 1, 2026
Welcome to the THM Mortgage website. By accessing or using this website, submitting any forms, or communicating with us electronically, you agree to be bound by these Terms of Service. If you do not agree with these terms, please do not use this website.
1. Use of This Website
This website is provided for informational purposes only. You may use this site to learn about mortgage-related services, request information, and submit inquiries. You agree not to use this website for any unlawful purpose or in any way that could damage, disable, or impair the site.
2. No Guarantee of Loan Approval
Submitting information through this website does not constitute a loan application, loan approval, rate lock, or commitment to lend. All mortgage products, rates, terms, and approvals are subject to underwriting guidelines, verification, and lender approval.
Any estimates, examples, or payment calculations provided on this website are for illustrative purposes only and do not guarantee actual loan terms or outcomes.
3. No Financial, Legal, or Tax Advice
Information provided on this website is general in nature and should not be considered financial, legal, or tax advice. You should consult appropriate professionals regarding your specific financial situation before making any decisions.
4. Communication Consent
By submitting your information through this website, you expressly consent to receive communications from THM Mortgage via email, phone, and/or SMS regarding your inquiry or related services. Message and data rates may apply. Message frequency may vary.
You may opt out of communications at any time by replying STOP or contacting us directly.
5. Accuracy of Information
You agree that any information you submit through this website is accurate, complete, and current to the best of your knowledge. THM Mortgage is not responsible for decisions made based on incomplete or inaccurate information provided by users.
6. Intellectual Property
All content on this website, including text, graphics, logos, design elements, and code, is the property of THM Mortgage or its licensors and is protected by intellectual property laws. You may not copy, reproduce, distribute, or create derivative works without written permission.
7. Third-Party Links
This website may contain links to third-party websites or tools for your convenience. THM Mortgage does not control or endorse these third-party sites and is not responsible for their content, policies, or practices.
8. Disclaimer of Warranties
This website and its content are provided on an “as is” and “as available” basis. THM Mortgage makes no warranties, express or implied, regarding the accuracy, reliability, or availability of the website or its content.
9. Limitation of Liability
To the fullest extent permitted by law, THM Mortgage shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or related to your use of this website or reliance on its content.
10. Indemnification
You agree to indemnify and hold harmless THM Mortgage from any claims, losses, damages, liabilities, or expenses arising from your use of the website or violation of these Terms of Service.
11. Privacy
Your use of this website is also governed by our Privacy Policy, which explains how we collect and use personal information.
12. Governing Law
These Terms of Service shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles.
13. Changes to These Terms
THM Mortgage reserves the right to update or modify these Terms of Service at any time without prior notice. Continued use of the website constitutes acceptance of the revised terms.
14. Contact Information
If you have any questions about these Terms of Service, please contact us:
THM Mortgage
26632 Towne Centre Dr, Suite 300
Foothill Ranch, CA 92610
Phone: +1 949-371-5799
Email: info@thmmortgage.com