Legal
Terms of Service
Last updated: August 4, 2026
Legal
Last updated: August 4, 2026
By accessing or using this website, you agree to these Terms of Service. If you do not agree, please do not use the site. This website is operated by Matt Moghaddam (NMLS #2635603), a licensed mortgage loan originator with Loan Factory (Company NMLS #320841).
Content on this website — including loan program descriptions, calculators, rate-quote tools, articles, and general mortgage guidance — is provided for educational and informational purposes only. It is not a commitment to lend, a guarantee of loan approval, an offer of credit, or personalized legal, tax, or financial advice.
All loan programs are subject to borrower qualification, underwriting approval, and program guidelines, which may change without notice. Rates, terms, fees, and eligibility vary based on individual circumstances, credit profile, property details, occupancy, loan amount, and lender overlays. Any illustrations, estimates, or calculator results are approximate and not a locked rate or formal loan offer.
Mortgage payment, affordability, and refinance calculators on this site provide estimates only. Results depend on the assumptions you enter and do not include every possible cost, fee, insurance premium, tax assessment, or lender requirement. Submitting a quote request or calculator lead form does not create a lender-borrower relationship or obligate either party to proceed with a loan.
We are committed to fair lending and Equal Housing Opportunity. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, age, marital status, or any other characteristic protected by applicable federal, state, or local law.
You agree to provide accurate information when contacting us or submitting forms, and to use this website only for lawful purposes. You may not attempt to disrupt the site, scrape content for unauthorized commercial use, misrepresent your identity, or interfere with the security or operation of the website.
Website design, text, graphics, logos, and related materials are owned by or licensed to Matt Moghaddam / Loan Factory, except where otherwise noted. You may view and use site content for personal, non-commercial purposes related to learning about our mortgage services. You may not copy, republish, or commercially exploit site content without prior written permission.
This website may link to third-party services such as online applications, scheduling tools, social media, or NMLS Consumer Access. Those services are governed by their own terms and privacy policies. We are not responsible for the availability, accuracy, or practices of third-party sites.
To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website, reliance on site content, or inability to access the site. Site content is provided “as is” without warranties of any kind, express or implied, except where prohibited by law.
Matt Moghaddam is a licensed mortgage loan originator. You can verify licensing information through NMLS Consumer Access at nmlsconsumeraccess.org. Licensing requirements and available loan products may vary by state.
We may update these Terms of Service periodically. The “Last updated” date reflects the most recent revision. Continued use of the website after changes are posted means you accept the updated terms.
Questions about these Terms of Service may be directed to Matt Moghaddam at mattmo@loanfactory.com or (949) 850-7126.