Welcome To Terms & Conditions
Effective Date: January 19, 2002
Last Updated: July 16, 2025

California Mortgage Direct (“CMD”), powered by American Mortgage Network, a National Direct Lender (NMLS #1833427), provides this website (CaliforniaMortgageDirect.com) and related services subject to the following terms and conditions (“Terms”). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, please do not use our website or Services.

1. Acceptance of Terms

1.1. You must be at least 18 years old (or the age of majority in your jurisdiction) to use our Services.
1.2. These Terms govern your access to and use of CaliforniaMortgageDirect.com, including all content, tools, features, calculators, and applications.
1.3. We reserve the right to modify these Terms at any time. We will post updates here with a revised “Last Updated” date. Continued use after changes constitutes acceptance.

2. Scope of Services

2.1. Informational Only. The content on this site is provided for general informational purposes only and does not constitute legal, tax, or financial advice. Always consult your own advisors before making decisions.
2.2. Loan Applications. Any loan application submitted through this site is subject to approval by American Mortgage Network, and additional underwriting criteria, fees, disclosures, and conditions will apply.
2.3. Third-Party Tools. We may provide calculators or interactive tools. Results are estimates only and may not reflect actual loan terms.

3. User Obligations

3.1. You agree to provide accurate, current, and complete information when prompted (e.g., in loan applications, contact forms).
3.2. You are responsible for maintaining the confidentiality of any account credentials and agree to notify us immediately of unauthorized use.
3.3. You may not misuse our Services, including by:
• Violating any applicable law or regulation
• Interfering with security features or third-party services
• Uploading malicious code, unsolicited advertising, or spam

4. Intellectual Property

4.1. All content, trademarks, logos, images, and software on CaliforniaMortgageDirect.com are the property of CMD or its licensors and are protected by copyright, trademark, and other intellectual property laws.
4.2. You may view and download material for personal, non-commercial use only. Any other use—including reproduction, modification, distribution, or republication—requires our express written permission.

5. Disclaimers & Limitation of Liability

5.1. No Warranty. The Services are provided “as is” and “as available,” without warranty of any kind, whether express, implied, statutory, or otherwise, including merchantability, fitness for a particular purpose, or non-infringement.
5.2. Accuracy. While we strive for accuracy, we do not guarantee that all site content is complete, accurate, or up to date.
5.3. Limitation of Liability. To the maximum extent permitted by law, CMD and American Mortgage Network, and their respective officers, directors, employees, and affiliates, will not be liable for any indirect, incidental, special, punitive, or consequential damages arising out of or relating to these Terms or your use of the Services, even if advised of the possibility of such damages. Our total liability for direct damages will not exceed the greater of (a) US $1,000 or (b) the amount you paid to us in the past 12 months for Services.

6. Third-Party Links & Services

6.1. Our site may contain links to third-party websites, apps, or services. We do not control and are not responsible for their content, privacy practices, or availability.
6.2. Any transaction you enter into with a third party is solely between you and that party. We encourage you to review their terms and privacy policies.

7. Privacy

7.1. Your use of our Services is also governed by our Privacy Policy, which is incorporated by reference into these Terms. By using the site, you consent to our collection and use of your information as described therein.

8. Governing Law & Dispute Resolution

8.1. These Terms and your use of the Services are governed by the laws of the State of California, without regard to conflict of law principles.
8.2. Any dispute arising out of or relating to these Terms will be resolved first through good-faith negotiations. If unresolved within 30 days, either party may submit the dispute to binding arbitration in Los Angeles County, California, under the rules of the American Arbitration Association. Judgment on the award may be entered in any court of competent jurisdiction.

9. Termination

9.1. We may suspend or terminate your access to the Services at any time, with or without cause or notice.
9.2. Upon termination, all provisions of these Terms that by their nature should survive (e.g., ownership, disclaimers, limitation of liability, governing law) shall survive.

10. Miscellaneous

10.1. Severability. If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force and effect.
10.2. Entire Agreement. These Terms, together with the Privacy Policy and any documents they incorporate, constitute the entire agreement between you and CMD regarding the Services.
10.3. Waiver. Our failure to enforce any right or provision does not constitute a waiver of that right.

Contact Us
If you have questions about these Terms, please contact:

California Mortgage Direct
Attn: Legal Department
347 3rd Ave 2nd Floor
San Diego, CA 91910
Phone: (877) 354-1110
Email: legal@californiamortgagedirect.com

Thank you for choosing California Mortgage Direct, powered by American Mortgage Network. We look forward to serving your California home financing needs.