Terms of Service

1. Acceptance of Terms

Welcome to www.mortgagesbyernie.com ("Website"), operated by THE MORTGAGE LEAD SOURCE LLC, doing business as Mortgages by Ernie ("Company," "we," "us," or "our"). Our mortgage services are offered under the licensing of Patriot Pacific Financial Corp, NMLS #1921615 | CA DRE #02103516.

By accessing or using our Website, submitting any inquiry or application, or engaging with us via phone, email, or SMS, you ("User" or "you") acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms") and our Privacy & Security Policy, which is incorporated herein by reference.

If you do not agree to these Terms, you must immediately discontinue use of our Website and services. We reserve the right to update these Terms at any time. Continued use of the Website following any changes constitutes your acceptance of the revised Terms.

2. Description of Services

Mortgages by Ernie provides residential mortgage consulting, loan origination assistance, and related financial services, including but not limited to:

• Conventional, FHA, VA, and USDA loan products
• Reverse mortgage consultations and origination
• Refinance and cash-out refinance services
• First-time homebuyer guidance and pre-qualification
• Jumbo and non-conforming loan options

All loan products and services are subject to credit approval, income and asset verification, property appraisal, and compliance with applicable federal and state regulations. Nothing on this Website constitutes a commitment to lend or a guarantee of loan approval. We do not participate in third-party lending.

3. Eligibility

By using this Website and our services, you represent and warrant that:

• You are at least 18 years of age
• You are a legal resident or citizen of the United States
• You have the legal capacity to enter into a binding agreement
• All information you provide to us is accurate, truthful, and complete
• You are not using this Website for any unlawful or unauthorized purpose

We reserve the right to refuse service to any individual at our sole discretion and in accordance with applicable law.

4. Permitted Use of Website

You agree to use this Website only for lawful purposes and in a manner that does not infringe the rights of others or restrict or inhibit their use of the Website. Prohibited conduct includes but is not limited to:

• Submitting false, misleading, or fraudulent information
• Attempting to gain unauthorized access to any portion of the Website or its systems
• Transmitting any harmful, offensive, or disruptive content
• Using automated tools, bots, or scrapers to access or collect data from the Website
• Reproducing, distributing, or commercially exploiting any content from the Website without prior written consent
• Impersonating any person or entity or misrepresenting your affiliation with any person or entity

We reserve the right to terminate or restrict your access to the Website at any time for any violation of these Terms or for any other reason at our sole discretion.

5. No Guarantee of Loan Approval or Terms

Nothing contained on this Website, in any marketing materials, or in any communication from Mortgages by Ernie constitutes a loan commitment, pre-approval, or guarantee of any specific interest rate, loan amount, or loan terms. All loan scenarios, estimates, and rate quotes are illustrative only and are subject to change based on market conditions, creditworthiness, property type, and lender guidelines.

Final loan approval, terms, and conditions are determined solely by the applicable lender and are subject to underwriting review, property appraisal, title clearance, and compliance with all applicable laws and regulations.

6. Communications & SMS / Phone Consent

6.1 Consent to Contact

By submitting your contact information through this Website or verbally providing it to a team member, you expressly consent to be contacted by Mortgages by Ernie via phone call, email, and/or SMS text message for the purposes of discussing your mortgage inquiry, scheduling appointments, providing loan status updates, and sending important notifications related to your transaction.

6.2 A2P SMS Messaging

Our SMS communications are sent via an Application-to-Person (A2P) messaging platform and are used solely for appointment reminders, confirmations, and loan-related notifications. Your consent to receive SMS messages is not a condition of any purchase or service. Carriers are not liable for delayed or undelivered messages.

6.3 Opt-Out

You may opt out of SMS communications at any time by replying STOP to any text message. You may opt back in by replying START or contacting us directly. For help, reply HELP. Standard message and data rates may apply.

6.4 No Marketing to Third Parties

Your phone number and communication preferences will never be sold or shared with third parties for their own marketing purposes.

7. Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, images, audio clips, and software, is the property of THE MORTGAGE LEAD SOURCE LLC or its licensors and is protected by applicable United States and international intellectual property laws.

You may not reproduce, distribute, modify, transmit, reuse, repost, or use any content from this Website for commercial purposes without express written permission from us. Any unauthorized use may violate copyright, trademark, and other applicable laws and could result in civil or criminal penalties.

8. Third-Party Links & Resources

Our Website may contain links to third-party websites, resources, or services for your convenience and informational purposes only. We do not endorse, control, or assume any responsibility for the content, privacy practices, or accuracy of any third-party websites. Accessing any third-party links is done at your own risk, and we encourage you to review the terms and privacy policies of any third-party sites you visit.

9. Disclaimer of Warranties

THIS WEBSITE AND ALL CONTENT, SERVICES, AND INFORMATION PROVIDED HEREIN ARE OFFERED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, MORTGAGES BY ERNIE, THE MORTGAGE LEAD SOURCE LLC, AND PATRIOT PACIFIC FINANCIAL CORP EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• Implied warranties of merchantability and fitness for a particular purpose
• Warranties that the Website will be uninterrupted, error-free, or free of viruses or other harmful components
• Warranties regarding the accuracy, completeness, or timeliness of any information on the Website

Your use of this Website is at your sole risk. We do not warrant that any information obtained through this Website is accurate, reliable, or suitable for any particular purpose.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE MORTGAGE LEAD SOURCE LLC, MORTGAGES BY ERNIE, PATRIOT PACIFIC FINANCIAL CORP, THEIR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, OR ANY OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH:

• Your use of or inability to use this Website or our services
• Any errors or omissions in the content of this Website
• Any unauthorized access to or alteration of your transmissions or data
• Any statements or conduct of any third party on or related to this Website

In no event shall our total liability to you for all claims exceed the amount paid by you, if any, for accessing or using our services in the twelve (12) months preceding the claim.

11. Indemnification

You agree to indemnify, defend, and hold harmless THE MORTGAGE LEAD SOURCE LLC, Mortgages by Ernie, Patriot Pacific Financial Corp, and their respective officers, directors, employees, agents, and successors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of or access to this Website
• Your violation of these Terms of Service
• Your violation of any applicable law or regulation
• Your submission of false or misleading information
• Any third-party claims arising from your conduct in connection with our services

12. Governing Law & Dispute Resolution

These Terms of Service 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 disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in California.

Before initiating any legal action, you agree to first contact us in writing to attempt to resolve the dispute informally. If the dispute cannot be resolved within thirty (30) days of written notice, either party may pursue available legal remedies.

13. Regulatory Compliance & Licensing

Mortgages by Ernie operates as a DBA of THE MORTGAGE LEAD SOURCE LLC. All mortgage loan origination services are conducted through and under the licensing of Patriot Pacific Financial Corp, NMLS #1921615 | CA DRE #02103516. We are committed to full compliance with all applicable federal and state mortgage lending laws and regulations, including:

• The Truth in Lending Act (TILA) and Regulation Z
• The Real Estate Settlement Procedures Act (RESPA)
• The Equal Credit Opportunity Act (ECOA)
• The Fair Housing Act (FHA)
• The Home Mortgage Disclosure Act (HMDA)
• The Gramm-Leach-Bliley Act (GLBA)
• The California Consumer Privacy Act (CCPA)
• TCPA (Telephone Consumer Protection Act) for all SMS and phone communications
• CTIA A2P 10DLC guidelines for commercial SMS messaging

14. Severability

If any provision of these Terms of Service is found to be unlawful, void, or unenforceable for any reason, that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of the remaining provisions, which shall continue in full force and effect.

15. Entire Agreement

These Terms of Service, together with our Privacy & Security Policy and any other legal notices or agreements published on this Website, constitute the entire agreement between you and THE MORTGAGE LEAD SOURCE LLC with respect to your use of this Website and our services. These Terms supersede all prior agreements, representations, and understandings between the parties related to the subject matter herein.

16. Contact Information

If you have any questions about these Terms of Service or our services, please contact us:

REGULATORY NOTICE

Mortgages by Ernie is a DBA of THE MORTGAGE LEAD SOURCE LLC. Mortgage services are provided through Patriot Pacific Financial Corp, NMLS #1921615 | CA DRE #02103516. This website is not affiliated with any government agency. All loan products are subject to credit approval, income verification, and applicable state and federal regulations. Equal Housing Lender.