Mortgage Disclosure

1. General Information
By accessing and using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use, along with our Privacy Policy.
2. Personalized/Customized Rates
The Personalized Rates is designed to assist prospective borrowers in understanding potential rates available based on the preliminary information provided. However, several factors can affect the final rate offered. Please find the disclosures for personalized rates below:
  • Purpose of Estimates:
    Rates provided here are indicative and are designed to give a general idea of potential loan terms. They should not be construed as a final or binding offer.
  • Rate Determination Factors:
    Multiple factors influence mortgage rates, including but not limited to credit score, loan amount, loan-to-value ratio, property type, property usage, and prevailing market conditions.
  • Credit Evaluation:
    The actual rate offered will be contingent upon a detailed credit evaluation. Factors such as credit score, credit history, employment history, and debt-to-income ratio will play significant roles in the final rate determination.
  • Credit Evaluation:
    The actual rate offered will be contingent upon a detailed credit evaluation. Factors such as credit score, credit history, employment history, and debt-to-income ratio will play significant roles in the final rate determination.
  • Rate Volatility:
    Mortgage rates are influenced by the broader economy, including actions by central banks, inflation, and market demand. Rates are subject to change at any time due to these factors.
  • Application Process:
    To secure a rate, borrowers must complete a full application, provide necessary documentation, and undergo a thorough review. Rates displayed prior to this process are not guaranteed. To initiate the complete application process, click on either "Pre-qualify" or "Start my application" on the website.
  • Associated Costs:
    While the Personalized Rates provides estimates on interest rates, there are other associated costs with securing a mortgage, including appraisal fees, title insurance, closing costs, points, and potentially more. An official Loan Estimate will detail all these costs.
  • Data Integrity:
    Accurate rate estimates depend on the precise and truthful provision of information by the user. Incorrect data can lead to misleading rate indications.
  • Third-party Relationships:
    Our company may have ties with third-party lenders or service providers. However, the rates shown on our platform aim to be unbiased and purely based on the data provided and market conditions.
  • Regulatory Oversight:
    Pacificwide Real Estate & Mortgage is regulated by the appropriate authorities and operates under NMLS 272883. We maintain transparent operations and adhere to the highest industry standards.
  • No Obligations:
    Using the Personalized Rates does not create an obligation for the user to apply for a loan or for Pacificwide Real Estate & Mortgage to offer a loan.
  • Privacy and Data Protection:
    Information provided by users for the Personalized Rates will be treated with utmost confidentiality and will be used solely for the purpose of generating rate estimates. Refer to our Privacy Policy for detailed information.
  • Amendments to Service:
    Pacificwide Real Estate & Mortgage retains the right to amend, update, or terminate the Personalized Rates tool without notice. Changes may be based on regulatory requirements, technological advancements, or company discretion.
  • User Acknowledgment:
    By utilizing the Personalized Rates, users confirm their understanding of this detailed disclosure and acknowledge the inherent limitations and conditions of the rate information provided.
3. Interest Rates and Loan Terms
The information provided on this website is for general informational purposes only and does not constitute financial, mortgage, or legal advice. You should consult with qualified professionals before making any financial decisions based on the information presented on this website.
4. Loan Approval Process
We strive to provide accurate and up-to-date information on our website. However, we do not warrant the accuracy, completeness, or reliability of any information provided. Pacificwide Real Estate & Mortgage is not liable for any errors or omissions in the content on this website.
5. Calculators and Estimators
This website may contain links to third-party websites for your convenience. These links are provided solely as a reference and do not imply endorsement or responsibility for the content of these external sites. We are not responsible for the accuracy or reliability of any information, products, or services offered by third parties.
6. External Links and References
When using this website, you agree not to engage in any conduct that could damage, disable, overburden, or impair the proper functioning of the site. You also agree not to use any automated means, including bots, spiders, or scrapers, to access or interact with our website without our prior written permission.
7. Licensing and Regulatory Information
Pacificwide Real Estate & Mortgage operates as a licensed mortgage lender/broker in California. Our NMLS (Nationwide Multistate Licensing System) number is 272883. We adhere to all relevant state and federal regulations. Our mortgage advisors are registered professionals with a deep understanding of industry standards. Detailed licensing information for each advisor/loan officer is available upon request.
8. Errors and Omissions
While we strive to ensure the accuracy of information provided on this website, errors and omissions can occur. Pacificwide Real Estate & Mortgage disclaims liability for any inaccuracies, inconsistencies, or outdated content. We recommend cross-referencing the information you find here with authoritative sources or consulting with our qualified mortgage advisors.
9. Data Privacy and Security
Respecting your privacy is a priority for us. Any personal information you share through this website is handled in accordance with our Privacy Policy. We do not sell, distribute, or share your data without your explicit consent.
10. No Warranties
This website and its content are provided "as is" without warranties of any kind, whether expressed or implied. Pacificwide Real Estate & Mortgage does not guarantee the accuracy, reliability, or completeness of the information presented. Your use of this website is entirely at your own risk.
11. Limitation of Liability
Under no circumstances shall Pacificwide Real Estate & Mortgage be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of this website or reliance on its content. This limitation of liability applies to claims, losses, or damages stemming from errors, interruptions, or inaccuracies on the website.
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3005 Silver Creed Rd, Suite 210-214

San Jose, California, 95121

(408) 532-1278

Pacificwide is a Bay Area real estate & mortgage company that serves all your homeownership needs, NMLS Unique Identifier #272883. ©2023 Pacificwide Real Estate & Mortgage. All Rights Reserved.

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