Effective Date: 11/18/2024
Welcome to Mortgages with Shellie (“we,” “us,” or “our”). By accessing or using this website, services, forms, or communications, you agree to the following Terms and Conditions. Please read them carefully.
1. Services
Mortgages with Shellie provides mortgage-related educational information, consultation services, loan scenario guidance, and assistance connecting consumers with mortgage lending solutions and lending professionals.
All services are subject to applicable federal and California laws, lender guidelines, underwriting requirements, and financial qualification standards.
2. No Guarantee of Loan Approval or Terms
Information provided through this website is for general informational purposes only.
We do not guarantee:
- Loan approval
- Interest rates
- Monthly payment amounts
- Loan terms
- Refinancing outcomes
- Savings amounts
- Closing timelines
All mortgage approvals and loan terms are determined solely by lenders and are subject to underwriting review, credit history, income verification, property review, debt obligations, and other financial qualifications.
Submitting information through this website does not constitute a commitment to lend.
3. Informational Purposes Only
Content on this website is provided for informational and educational purposes only and should not be considered legal, tax, financial, accounting, or lending advice.
You should consult qualified professionals regarding your specific financial situation before making financial or mortgage-related decisions.
4. User Responsibilities
By using this website or our services, you agree to:
- Provide accurate and truthful information
- Use this website for lawful purposes only
- Not misuse, interfere with, or attempt unauthorized access to the website or related systems
- Comply with all applicable laws and regulations
5. Communications Consent
By submitting forms or providing contact information through this website, you consent to receive communications from Mortgages with Shellie, including phone calls, emails, and SMS text messages related to:
- Mortgage inquiries
- Appointment scheduling
- Consultation follow-ups
- Loan scenario discussions
- Service-related communications
Message frequency may vary. Standard message and data rates may apply.
You may opt out of SMS communications at any time by replying STOP.
Consent to receive communications is not a condition of obtaining services.
6. Advertising, Analytics, and Tracking Technologies
This website may use analytics, advertising, remarketing, and tracking technologies provided by third-party platforms including Google, Meta (Facebook), and related service providers.
These technologies may collect information regarding website activity, device information, browser information, and interactions with website content.
Certain tracking technologies may only load after consent is provided through our website’s consent management tools, where required by applicable law.
For additional details, please review our Privacy Policy.
7. Intellectual Property
All content on this website, including text, graphics, logos, branding, images, layouts, videos, and other materials, is the property of Mortgages with Shellie or licensed for authorized use.
You may not reproduce, distribute, modify, republish, or use website content without prior written permission.
8. Third-Party Links and Services
This website may contain links to third-party websites, tools, integrations, scheduling platforms, videos, or external services.
We are not responsible for the content, availability, privacy practices, accuracy, or operation of third-party websites or services.
9. Limitation of Liability
To the fullest extent permitted by law, Mortgages with Shellie disclaims liability for any direct, indirect, incidental, consequential, special, or punitive damages arising from:
- Use of this website
- Reliance on website content
- Loan-related decisions
- Technical interruptions
- Third-party services
- Unauthorized website access
- Errors or omissions in website information
Use of this website is at your own risk.
10. Privacy
Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, store, and protect your information.
11. Changes to Terms
We reserve the right to modify or update these Terms and Conditions at any time without prior notice.
Changes become effective immediately upon posting to this page.
Continued use of the website after updates constitutes acceptance of the revised Terms and Conditions.
12. Governing Law
These Terms and Conditions are governed by the laws of the State of California.
Any disputes arising from use of this website or services shall be subject to the jurisdiction of the courts located in California.
13. Contact Information
If you have questions regarding these Terms and Conditions, please mail us at:
1700 Herndon Rd
Ceres, California 95307