Terms of Use

Agreement To These Terms

Wolf Real Estate Group Inc. dba Wolf Real Estate & Loans (“Wolf Real Estate & Loans,” “we,” “us,” or “our”) operates or makes available wolf.loans, online forms, our mortgage application or loan origination system (“LOS”), secure portals, and related websites, pages, tools, communications, and online services.

By accessing or using our website, submitting information, creating an account, using our LOS, uploading documents, requesting mortgage or real estate services, or communicating with us electronically, you agree to these Terms.

If you do not agree to these Terms, do not use our website, LOS, portals, or online services.

1. Company And Licensing Information

Wolf Real Estate Group Inc. dba Wolf Real Estate & Loans

California DRE 02064508 | Company NMLS 1830991

David Wolf: California DRE 01420938 | NMLS 1826415

Website: https://wolf.loans

Email: info@wolf.loans

Phone: 800-266-8663

Mailing Address: 13649 Glen Canyon Dr, Corona, CA 92883

2. Mortgage Broker And Real Estate Services

Wolf Real Estate & Loans provides mortgage broker, loan consultation, refinance review, pre-approval, purchase loan, refinance, real estate, and related services.

We are not guaranteeing that you will qualify for any specific loan, interest rate, payment, pricing, credit, approval, or loan program. Any loan approval, pricing, rate, payment estimate, pre-approval, or program availability is subject to borrower qualifications, credit approval, income and asset verification, property evaluation, appraisal, title review, investor and lender guidelines, underwriting approval, market conditions, and other requirements.

Nothing on our website, LOS, portal, or communications is a commitment to lend, a commitment to lock a rate, or a guarantee of loan approval.

3. No Legal, Tax, Financial Planning, Or Investment Advice

Information provided through our website, LOS, portals, calculators, articles, emails, texts, calls, or other communications is for general informational and mortgage-related purposes only.

Unless expressly stated in a separate written agreement, we do not provide legal, tax, accounting, investment, or financial planning advice. You should consult your own attorney, tax professional, accountant, financial advisor, or other appropriate professional regarding your specific situation.

4. Accuracy Of Information You Provide

You agree to provide accurate, complete, and current information when using our website, LOS, portals, forms, or services.

You are responsible for reviewing information before submitting it and for promptly notifying us if information changes or if you discover an error.

Providing false, incomplete, misleading, or inaccurate information may delay processing, affect eligibility, result in denial, cause loan approval to be withdrawn, create legal or compliance issues, or expose you to civil or criminal liability.

5. Electronic Communications And E-Consent

By using our website, LOS, secure portals, online forms, or electronic services, you expressly consent to receive records, notices, disclosures, agreements, authorizations, documents, and other communications from us electronically.

Electronic communications may be delivered through our website, LOS, secure portal, email, text message, electronic signature system, document delivery system, or other electronic methods.

You agree that electronic records, electronic signatures, electronic notices, and electronic communications may satisfy any legal requirement that such communications be in writing, to the extent permitted by law.

You are responsible for maintaining access to an internet connection, compatible device, current browser, email account, PDF reader, and any other technology reasonably necessary to access and retain electronic communications.

You may request paper copies or withdraw electronic consent by contacting us at info@wolf.loans or 800-266-8663. Withdrawing electronic consent may delay or prevent us from providing certain online services or processing certain requests electronically.

6. Consent To Calls, Emails, Text Messages, And Recorded Calls

By submitting your contact information, using our website, using our LOS, creating an account, submitting a loan inquiry, requesting information, requesting a pre-approval, applying for a loan, or otherwise contacting us, you agree that we may contact you about your inquiry, application, loan options, transaction, real estate services, account, or related services.

You expressly consent to be contacted by Wolf Real Estate & Loans, its employees, loan originators, agents, representatives, service providers, and authorized business partners by telephone, text message, email, mail, secure portal message, prerecorded message, artificial voice, automated technology, or other communication methods, where permitted by law.

This consent applies to the phone number and email address you provide, including any mobile number. This consent applies even if your number is listed on a corporate, state, or national Do Not Call Registry.

You consent to calls being recorded or monitored for quality, training, compliance, documentation, and business purposes, where permitted by law. If a call is recorded, we may also provide a call-recording notice.

Message and data rates may apply. Text message frequency may vary.

You may opt out of marketing text messages by replying STOP. You may opt out of marketing emails by using the unsubscribe link, where available, or by contacting us. You may ask us not to call you for marketing purposes by contacting us at info@wolf.loans or 800-266-8663.

Opting out of marketing communications does not prevent us from contacting you regarding an active inquiry, application, transaction, document request, disclosure, account, legal notice, servicing issue, or other non-marketing matter.

7. No Requirement To Consent To Marketing As A Condition Of Credit

You are not required to consent to marketing calls or marketing text messages as a condition of obtaining credit, obtaining mortgage services, or using our services.

However, we may need to communicate with you to respond to your inquiry, process your application, provide disclosures, request documents, coordinate your transaction, or provide services you request.

8. User Accounts, Passwords, And Security

If you create an account or access a secure portal, you are responsible for keeping your login credentials confidential.

You agree not to share your password or account access with unauthorized persons. You are responsible for activity that occurs through your account unless caused by our negligence or misconduct.

You agree to notify us promptly if you believe your account, email, phone, password, documents, or personal information have been compromised.

9. Document Uploads And Sensitive Information

If you upload documents through our LOS, secure portal, or document system, you agree to upload only documents that are accurate, complete, relevant, and legally obtained.

Do not submit Social Security numbers, bank statements, tax returns, paystubs, credit documents, or other sensitive information through basic website forms or unsecured email unless we specifically instruct you to do so and you accept the risk.

When possible, use the secure portal or secure upload process provided.

10. Website Content And Calculators

Website content, calculators, examples, payment illustrations, rate discussions, loan comparisons, and educational materials are for general informational purposes only.

Any payment estimate, rate example, fee estimate, cash-to-close estimate, refinance analysis, or qualification discussion is preliminary and subject to change.

Actual loan terms depend on many factors, including borrower qualifications, credit profile, income, assets, debt-to-income ratio, occupancy, property type, loan-to-value ratio, appraisal, title, insurance, taxes, lender guidelines, investor rules, market conditions, and final underwriting approval.

11. Rates, Fees, And Program Availability

Mortgage rates, fees, credits, points, loan programs, guidelines, and pricing are subject to change without notice.

A rate is not locked unless confirmed in writing through a valid rate lock agreement or lender confirmation.

Any discussion of rates, costs, or loan options is not a guarantee of availability or approval.

12. Refinance Disclosure

Refinancing an existing loan may result in total finance charges being higher over the life of the loan. A lower monthly payment may result from a longer loan term, a different loan structure, or payment of points and fees.

Before refinancing, you should consider the interest rate, APR, closing costs, points, loan term, payment, cash flow, break-even period, total interest, tax implications, prepayment plans, and your long-term goals.

13. Third-Party Services And Links

Our website, LOS, portals, or communications may link to third-party websites or services, including lenders, credit reporting agencies, verification providers, e-signature providers, payment processors, title companies, escrow companies, insurance providers, government websites, or other service providers.

We do not control third-party websites or services and are not responsible for their content, security, privacy practices, terms, or performance.

Use of third-party services may be subject to separate terms and privacy policies.

14. Intellectual Property

All content on wolf.loans and related materials, including text, design, graphics, logos, icons, images, videos, documents, layouts, and other materials, is owned by or licensed to Wolf Real Estate & Loans unless otherwise stated.

You may view, download, or print materials for your own personal, non-commercial use related to evaluating or using our services.

You may not copy, modify, reproduce, distribute, sell, publish, or create derivative works from our website content without our prior written permission.

15. Prohibited Uses

You agree not to:

• Use our website, LOS, or portals for unlawful, fraudulent, abusive, or unauthorized purposes.
• Submit false, misleading, incomplete, or fraudulent information.
• Attempt to access accounts, systems, data, or documents that you are not authorized to access.
• Interfere with the operation or security of our website, LOS, portals, or systems.
• Upload malware, viruses, or harmful code.
• Scrape, copy, or harvest website content or user information without permission.
• Impersonate another person or misrepresent your identity or authority.
• Use our systems to violate any law, regulation, lender requirement, or third-party right.

16. Privacy

Your use of our website, LOS, portals, and services is also governed by our Privacy Policy.

By using our website, LOS, portals, or services, you acknowledge that you have reviewed our Privacy Policy.

17. Equal Housing And Fair Lending

Wolf Real Estate & Loans supports fair housing, equal opportunity, and fair lending principles.

Loan products and real estate services are offered without regard to race, color, religion, sex, sexual orientation, gender identity, gender expression, marital status, age, national origin, ancestry, disability, familial status, source of income, veteran status, or any other characteristic protected by applicable law.

18. Disclaimers

Our website, LOS, portals, content, and online services are provided on an “as is” and “as available” basis.

We do not warrant that the website, LOS, portals, or online services will be uninterrupted, error-free, secure, or free from harmful components.

We do not guarantee that any website content is complete, current, or applicable to your specific circumstances.

19. Limitation Of Liability

To the maximum extent permitted by law, Wolf Real Estate & Loans, Wolf Real Estate Group Inc., and their owners, officers, employees, agents, representatives, service providers, and affiliates will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or related to your use of our website, LOS, portals, online services, or content.

This limitation does not limit liability that cannot legally be limited under applicable law.

20. Indemnification

You agree to indemnify and hold harmless Wolf Real Estate & Loans, Wolf Real Estate Group Inc., and their owners, officers, employees, agents, representatives, service providers, and affiliates from claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys’ fees, arising out of your misuse of our website, LOS, portals, or services; your violation of these Terms; your violation of law; or information you submit that is false, misleading, unauthorized, or unlawful.

21. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles.

22. Changes To These Terms

We may update these Terms from time to time. The “Last Updated” date above shows when these Terms were last revised. Changes are effective when posted unless otherwise stated.

Your continued use of our website, LOS, portals, or services after changes are posted means you accept the updated Terms.

23. Contact Us

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

Wolf Real Estate Group Inc. dba Wolf Real Estate & Loans

13649 Glen Canyon Dr

Corona, CA 92883

Email: info@wolf.loans

Phone: 800-266-8663

Website: https://wolf.loans