TERMS OF USE

NO COMMITMENT TO LEND

Nothing on this Site constitutes a commitment to lend, an offer to extend credit, or a guarantee of any particular loan terms. Any rates, payments, or loan scenarios shown are for informational and illustrative purposes only and are not an offer or solicitation in any state where we are not licensed. All loans are subject to credit and property approval, acceptable collateral, and verification of information. Programs, rates, terms, and conditions are subject to change without notice. Not all programs are available in all states, and

RATES AND FEES

Interest rates, annual percentage rates (APR), and fees displayed on this Site are estimates and are subject to change without notice until locked and confirmed in writing through an official Loan Estimate. Actual rates depend on credit score, loan amount, loan-to-value ratio, property type, occupancy, and other underwriting factors.

INFORMATIONAL PURPOSES ONLY

The content on this Site is provided for general informational and educational purposes only. It is not intended as, and should not be construed as, financial, legal, tax, or accounting advice. You should consult with your own qualified advisors before making any financial decisions.

THIRD-PARTY LINKS AND CONTENT

This Site may contain links to third-party websites or resources. These links are provided for convenience only. We do not endorse, control, or assume responsibility for the content, products, services, or privacy practices of any third-party site. Access to third-party sites is at your own risk.

INTELLECTUAL PROPERTY

All content on this Site — including text, graphics, logos, images, and software — is the property of 21st Century Lending or Full Realty Services, Inc. and is protected by applicable copyright and trademark laws. The CENTURY 21 name and logo are registered service marks owned by Century 21 Real Estate LLC and are used under license. Unauthorized use is prohibited.

LIMITATION OF LIABILITY

To the fullest extent permitted by law, 21st Century Lending and its affiliates, officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use this Site, including but not limited to reliance on any information obtained from this Site.

GOVERNING LAW

These Terms of Use shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

CHANGES TO THESE TERMS

We reserve the right to update or modify these Terms of Use at any time. Changes are effective upon posting. Your continued use of the Site after changes constitutes acceptance of the revised Terms.

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