Terms of Use

Welcome to patronmortgage.com (the "Site"), operated by Patron Mortgage, a California licensed mortgage broker (NMLS 1747739). By accessing or using this Site, you agree to be bound by these Terms of Use ("Terms"). If you do not agree, please do not use this Site.

1. Informational Purpose Only

The content on this Site is provided for general informational purposes only. Nothing on this Site constitutes a commitment to lend, a loan approval, a rate lock, or a formal loan offer. Mortgage rates, loan programs, and eligibility requirements are subject to change without notice and vary based on individual circumstances. All loan applications are subject to underwriting approval.

2. Not Financial or Legal Advice

The information on this Site does not constitute financial, legal, tax, or investment advice. You should consult with qualified professionals before making any financial decisions. Patron Mortgage is not a financial advisor, attorney, or tax professional.

3. Licensing and Regulatory Compliance

Patron Mortgage is licensed to conduct mortgage brokerage activities in the State of California. NMLS 1747739. We operate in compliance with applicable federal laws including the Real Estate Settlement Procedures Act (RESPA), the Truth in Lending Act (TILA), the Equal Credit Opportunity Act (ECOA), and the Fair Housing Act, as well as California state mortgage lending laws.

4. Acceptable Use

By using this Site, you agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable laws
• Submit false, misleading, or fraudulent information through any form on the Site
• Attempt to gain unauthorized access to any portion of the Site or its related systems
• Scrape, crawl, or harvest data from the Site without our express written permission
• Transmit any viruses, malware, or other harmful code
• Interfere with or disrupt the integrity or performance of the Site

5. Intellectual Property

All content on this Site — including text, graphics, logos, images, and software — is the property of Patron Mortgage or its content suppliers and is protected by applicable copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our prior written consent.

6. Mortgage Calculators and Rate Estimates

Any mortgage calculators, payment estimates, or rate illustrations on this Site are provided for educational purposes only. Results are estimates based on the inputs you provide and do not account for all fees, taxes, insurance, or individual qualification factors. Actual loan terms will be determined through a formal application and underwriting process.

7. Third-Party Links

This Site may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them. Linking to a third-party site does not imply our endorsement of that site or its content.

8. Disclaimer of Warranties

This Site is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

9. Limitation of Liability

To the fullest extent permitted by law, Patron Mortgage and its officers, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this Site or any content obtained from it, even if we have been advised of the possibility of such damages.

10. Indemnification

You agree to indemnify, defend, and hold harmless Patron Mortgage and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your use of the Site or your violation of these Terms.

11. Governing Law

These Terms 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 these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Sacramento County, California.

12. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site with an updated "Effective Date." Your continued use of the Site after any changes constitutes your acceptance of the revised Terms.

13. Contact Us

If you have questions about these Terms, please contact us: