Terms & Conditions
Last updated: October 7, 2026
Please read these Terms and Conditions carefully before using the mosebyhomeloans.com website (the "Website") operated by Michael Moseby ("we," "us," or "our").
Your access to or use of the Website is conditional upon your acceptance of and compliance with these Terms and Conditions. These Terms apply to all visitors, users, and others who access or use the Website.
By accessing or using the Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use this Website.
About This Website
This Website provides general information about the mortgage lending services offered by Michael Moseby, a licensed mortgage loan officer, NMLS# 1187466. You can verify licensing information at www.nmlsconsumeraccess.org.
The content on this Website is for informational purposes only. It is not an advertisement to extend consumer credit as defined by applicable law, and it is not an offer or commitment to lend.
No Commitment to Lend
Nothing on this Website is a loan approval, a commitment to lend, or a rate lock. All loans are subject to credit approval, underwriting guidelines, property appraisal, and verification of the information you provide. Not all applicants will qualify.
Loan programs, interest rates, terms, and conditions are subject to change without notice and may vary based on your individual financial situation and the property.
Not Financial, Legal, or Tax Advice
The information on this Website is general in nature and is not financial, legal, tax, or investment advice. Every situation is different. Please consult a qualified professional before making decisions about your finances, taxes, or property.
Equal Housing Opportunity
We are committed to fair lending and do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, familial status, or any other characteristic protected by law.
Testimonials and Reviews
Testimonials and reviews on this Website reflect the individual experiences of past clients and real estate professionals. They are not a guarantee of future results, loan terms, or closing timelines. Your experience may differ.
Website Content and Accuracy
We work to keep the information on this Website accurate and up to date. However, the Website may contain errors, omissions, or outdated information, and we make no guarantee that all content is complete or current. Any figures, examples, or estimates are for illustration only.
Communications
When you submit your contact information through this Website, book a consultation, or contact us directly, you agree that we may contact you by phone, email, or text message about your inquiry. You can ask us to stop contacting you at any time.
Submitting a form or message through this Website does not create a loan application. If you choose to apply for a loan, you will be directed to a separate secure application.
Third-Party Links and Tools
This Website may link to or include third-party websites and tools, such as online loan application portals, scheduling tools, and review sites. We do not control these third parties and are not responsible for their content, availability, or privacy practices. Your use of third-party websites and tools is governed by their own terms and policies.
Intellectual Property
All content on this Website, including text, images, logos, video, and design, is owned by Michael Moseby or used with permission. You may not copy, reproduce, distribute, or use any content from this Website for commercial purposes without our written permission.
Acceptable Use
You agree not to use this Website to:
- Violate any applicable law or regulation
- Submit false, misleading, or someone else's information
- Attempt to gain unauthorized access to the Website or its systems
- Interfere with the security or proper functioning of the Website
- Send spam, malicious code, or unsolicited advertising through Website forms
Disclaimer of Warranties
This Website is provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we make no warranties of any kind, express or implied, about the Website, its content, or its availability, including any warranties of accuracy, fitness for a particular purpose, or non-infringement.
Limitation of Liability
To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this Website or any information on it.
Indemnification
You agree to indemnify and hold harmless Michael Moseby from any claims, losses, or expenses, including reasonable attorneys' fees, arising from your misuse of this Website or your violation of these Terms.
Privacy
Your use of this Website is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.
Governing Law
These Terms are governed by the laws of the State of California, without regard to its conflict of law principles. Any dispute arising from these Terms or your use of this Website will be handled in the state or federal courts located in Los Angeles County, California.
Changes to These Terms
We reserve the right to update these Terms at any time. Any changes will be posted on this page with an updated effective date. Your continued use of the Website after changes are posted means you accept the updated Terms.
Contact
If you have any questions about these Terms and Conditions, please contact:
Michael Moseby
19300 Rinaldi Street, Ste. M
Porter Ranch, CA 91326
United States
Phone: (818) 434-9188
Email: Michael.Moseby@nafinc.com
Website: mosebyhomeloans.com