Terms of Service

Welcome to Los Angeles Mortgage Lender, a DBA of O1NE Mortgage Inc. ("we," "us," or "our"). These Terms of Service ("Terms") govern your use of our mortgage lending services, website, and related offerings. By accessing or using our services, you agree to be bound by these Terms. If you do not agree, please do not use our services.

1. Services Provided

We offer mortgage lending services, including:

• Pre-approval and loan application processing
• Mortgage loan origination and underwriting
• Loan servicing and management
• Mortgage refinancing

2. Eligibility

To use our services, you must:

• Be at least 18 years old
• Provide accurate, complete, and current information
• Have the legal capacity to enter into a binding agreement

3. Application and Approval Process

Application: To apply for a mortgage, you must complete our application process, providing financial information, employment details, and other required documentation.

Approval: Loan approval depends on our underwriting criteria, including creditworthiness, income verification, and property assessment. We reserve the right to approve or deny applications at our sole discretion.

4. Fees and Charges

Application Fees: We may charge non-refundable fees for processing your application, disclosed before submission.

Interest Rates: Your loan’s interest rate is based on your credit profile and other factors. A Loan Estimate detailing the rate, APR, and terms will be provided before you accept the loan.

Late Fees: Late payments may incur fees as specified in your loan agreement.

5. Payment Terms

Repayment: You agree to repay the loan, including principal, interest, and applicable charges, per your loan agreement.

Prepayment: You may prepay your loan in full or in part without penalty, as outlined in your loan agreement.

6. Privacy and Data Security

We collect and use personal information to process your loan application and provide services. We implement reasonable measures to protect your data. For details, see our Privacy Policy.

7. Dispute Resolution

Any disputes arising from these Terms or our services will be resolved through good-faith negotiation. If unresolved, disputes will be handled in the courts of California, as specified in Section 10.

8. Changes to Terms

We may modify these Terms at any time. Changes are effective immediately upon posting on our website or as communicated to you. Continued use of our services constitutes acceptance of the revised Terms.

9. Termination

We may terminate your access to our services for violating these Terms or at our discretion. Obligations under these Terms survive termination until fulfilled.

10. Limitation of Liability

To the fullest extent permitted by law, O1NE Mortgage Inc. is not liable for indirect, incidental, special, or consequential damages arising from your use of our services or any loan agreement. Our liability is limited to the maximum amount permitted by applicable law.

11. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict of law principles. Any disputes will be resolved in the state or federal courts located in Los Angeles County, California.

12. Contact Information

For questions about these Terms or our services, contact us at:

O1NE Mortgage Inc. (DBA Los Angeles Mortgage Lender)
453 S. Spring Street, Suite 400
Los Angeles, CA 90013
Phone: (213) 510-1717
Email: [email protected]

13. Miscellaneous

Entire Agreement: These Terms constitute the entire agreement between you and O1NE Mortgage Inc. regarding our services, superseding prior agreements.

Severability: If any provision is invalid or unenforceable, the remaining provisions remain in effect.

Waiver: Failure to enforce any provision does not waive that or any other provision.