Welcome to the website of 1st American Mortgage and Realty and 1st American Mortgage Lenders (“Company,” “we,” “our,” or “us”). By accessing or using this website, you agree to be bound by the following Terms of Service (“Terms”). If you do not agree, please discontinue use of this site.

1. General Information Only – No Legal or Financial Advice
The content on this site is provided for general informational purposes only and should not be considered legal, financial, or tax advice. Mortgage programs, interest rates, and real estate market conditions may change without notice.

2. No Guarantee of Loan Approval or Offer
Any mortgage calculators, pre-qualification tools, rate quotes, or informational forms on this site are for illustrative purposes only and do not constitute an offer, commitment, or guarantee to lend. All loans are subject to credit approval, verification, and underwriting guidelines.

3. Real Estate Listings and MLS Data
Property information, including MLS data, is deemed reliable but not guaranteed. We are not responsible for typographical errors, changes in property status, or inaccuracies in listing details. All properties are subject to prior sale, change, or withdrawal.

4. Equal Housing Opportunity
We are an Equal Housing Lender and fully comply with the Fair Housing Act and Equal Credit Opportunity Act. We do not discriminate based on race, color, religion, sex, handicap, familial status, or national origin.

5. User Responsibilities
You agree to use this site for lawful purposes only and to provide accurate and complete information if submitting any forms or inquiries.

6. Third-Party Links
This site may contain links to third-party websites. We are not responsible for the content, privacy practices, or accuracy of those sites.

7. Limitation of Liability
To the fullest extent permitted by law, we disclaim all liability for any direct, indirect, incidental, or consequential damages arising from your use of this site or reliance on its content.

8. Privacy Policy
Your use of this site is also governed by our [Privacy Policy]. Please review it to understand how we collect and use your information.

9. Modifications
We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of the site constitutes acceptance of the updated Terms.

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