Terms of Use

Effective date: September 13, 2026

1. Acceptance

By using this website, you agree to these Terms of Use and the Privacy Policy. If you do not agree, do not use the website. These terms do not replace any application, disclosure, loan agreement, privacy notice or other document delivered for a transaction.

2. Educational information only

Website content is general mortgage and real-estate education. It is not legal, tax, accounting, investment or individualized financial advice. Program descriptions are not commitments to lend. Products, pricing, guidelines, loan limits and eligibility can change without notice.

3. No approval or rate guarantee

No website statement guarantees qualification, approval, interest rate, monthly payment, closing date, savings or property value. Approval and final terms depend on a completed application, verification, underwriting, property review, current market conditions and all required disclosures.

4. Applications and secure forms

Apply Now and the rate, refinance, HELOC and other form links may open third-party hosted services. Those forms are intentionally external and may have additional terms and privacy notices. General contact and scheduling forms are not mortgage applications and should not be used for sensitive financial identifiers.

5. Accurate information and acceptable use

You agree to provide accurate information and to use the website lawfully. You may not disrupt, probe, scrape at an unreasonable rate, introduce malicious code, impersonate another person, interfere with security or use content in a way that violates another party’s rights.

6. Intellectual property

Unless otherwise identified, website text, graphics, design and organization are owned by or licensed for this site and are protected by applicable law. You may view or print reasonable portions for personal, noncommercial use. Logos and third-party marks remain the property of their respective owners.

7. Third-party services

The website may refer to third-party providers or public agencies. References do not guarantee availability, accuracy or endorsement. Third-party systems are controlled by their operators, and their own terms apply.

8. Disclaimer of warranties

To the fullest extent allowed by law, the website is provided “as is” and “as available.” No warranty is made that content is complete, current or error-free or that operation will be uninterrupted. Applicable consumer rights that cannot lawfully be waived remain unaffected.

9. Limitation of liability

To the fullest extent allowed by law, Greg Deskin and West Capital Lending will not be liable for indirect, incidental, special, consequential or punitive damages arising from website use. Nothing in these terms excludes liability that applicable law does not permit the parties to exclude.

10. Changes, law and contact

Content and these terms may be updated at any time. The version posted here applies from its effective date. Applicable federal law and the law governing the relevant transaction control, including any mandatory forum or consumer-protection rights.