1. Using this website
These Terms and Conditions ("Terms") describe your use of the Mario's Home Loans website and related publicly available information. By using the website, you agree to comply with applicable law and these Terms. If you do not agree, please discontinue use.
The website is operated under the name Mario's Home Loans LLC. Business contact information appears below.
2. Informational content only
Website information is general and educational. It does not constitute a mortgage commitment, lender approval, personalized financial advice, a guaranteed loan product or a legally binding offer to lend.
Rate quotes, financing eligibility, loan products, loan terms, fees and closing timeframes depend on individual circumstances, prevailing conditions, lender guidelines, verifications and any applicable regulatory requirements. Nothing on this site guarantees approval or a particular interest rate.
3. Contacting us
You may call or email using the contact details on this site. Asking a question does not itself create an approved loan application, guarantee a lender relationship or authorize marketing text messages. Do not submit passwords, Social Security numbers or sensitive financial documents through ordinary email.
4. Optional SMS program terms
Mario's Home Loans may use text messaging for people who have independently and affirmatively opted in through an appropriate consent method. The nature of the messages depends on the consent received. Potential categories include responses to inquiries, scheduling details, appointment reminders and, only with separate appropriate marketing consent, promotional mortgage information.
- Program name: Mario's Home Loans.
- Frequency: message frequency varies with your interactions and the category of messages you agree to receive.
- Costs: message and data rates may apply.
- Opt out: reply STOP to the sending number at any time to unsubscribe from that text program.
- Assistance: reply HELP or contact us at (707) 843-0869 or [email protected].
- Voluntary participation: consent to marketing text messages is not required as a condition of receiving services or submitting an inquiry.
Mobile opt in data and consent details are not shared with outside parties or affiliates for their independent marketing or promotions. Service providers may process them only to support our communications. See the Privacy Policy.
5. Privacy
Information handling is explained in our Privacy Policy, which is provided on a separate, dedicated page. Formal financing applications may have their own lender or financial institution notices and authorizations.
6. Third party services and links
Third party websites, loan application tools or external resources may be linked for convenience. We do not control their operation, privacy practices or terms. Use of external services may be subject to additional agreements.
7. Acceptable site use
You agree not to misuse the website, attempt unauthorized access, transmit harmful code, infringe others' rights or use the site for unlawful purposes. We may restrict access if necessary to protect the site or other users.
8. Content and intellectual property
Unless otherwise noted, the text, layout, branding and original material published on this site are owned or used under permission by the site operator. You may view and print reasonable copies for personal informational use, but may not misrepresent ownership or reuse branding without authorization.
9. Disclaimers and limitations
We work to keep website content accurate, but information can become outdated. To the extent permitted by law, the site and its content are provided without any warranty as to completeness, accuracy, suitability or uninterrupted availability. Applicable law may limit the scope of any disclaimer or limitation of liability.
We make no promise of loan approval, a specific price, interest rate, loan closing date or property valuation.
10. Governing law
These Terms are intended to be interpreted under applicable United States and California law, without overriding mandatory consumer protection requirements or any applicable lending laws.
11. Contact information
Mario's Home Loans LLC
401 Mendocino Ave, Suite F, Santa Rosa, CA 95401
Email: [email protected]
Phone: (707) 843-0869
12. Changes to these Terms
We may update these Terms periodically. Updates will be posted on this page with the effective date shown above. Continued use after posting indicates acceptance to the extent permitted by law.