Terms and Condtions

Terms and Conditions

Effective Date: July 9, 2026
Website: https://www.westshoresfinancial.com
Company: West Shores Financial

Welcome to the West Shores Financial website. These Terms and Conditions govern your access to and use of this website, including any pages, forms, calculators, content, tools, links, applications, or services made available through the website.

By accessing or using this website, you agree to these Terms and Conditions. If you do not agree, please do not use this website.

1. Website Use

This website is intended to provide general information about mortgage products, home financing options, real estate financing education, and related services offered by West Shores Financial.

You agree to use this website only for lawful purposes. You agree not to use this website in any way that could damage, disable, overburden, interfere with, or impair the website or any other party’s use of the website.

You may not attempt to gain unauthorized access to any portion of the website, systems, servers, applications, databases, or networks connected to the website.

2. No Loan Approval or Commitment to Lend

Information on this website is for general informational purposes only and does not constitute a loan approval, loan commitment, interest rate lock, underwriting approval, or guarantee of financing.

Any mortgage quote, estimate, prequalification, preapproval discussion, payment estimate, rate example, or loan scenario provided through this website or by a representative is subject to verification, underwriting review, investor guidelines, credit approval, property approval, appraisal, title review, income and asset documentation, debt-to-income qualification, regulatory requirements, and final lender approval.

Final loan terms may vary based on borrower qualifications, credit profile, property type, loan program, occupancy, documentation, market conditions, and other underwriting factors.

3. Rates, Terms, and Program Availability

Mortgage rates, fees, loan programs, terms, payments, APRs, and availability are subject to change without notice. Not all applicants will qualify for all loan programs or advertised terms.

Any examples shown on this website are for illustrative purposes only and may not reflect all available options, fees, costs, taxes, insurance, mortgage insurance, impounds, points, closing costs, or other charges.

West Shores Financial does not guarantee that any specific rate, term, payment, loan amount, or program will be available at the time of application, approval, rate lock, or closing.

4. No Legal, Tax, or Financial Advice

The content on this website is provided for general educational and informational purposes only. It should not be considered legal, tax, accounting, investment, financial planning, or real estate advice.

You should consult with your own attorney, tax professional, financial advisor, real estate professional, or other qualified advisor before making decisions based on information from this website.

5. Applications, Forms, and Submitted Information

If you submit information through this website, a loan application portal, contact form, scheduling page, or third-party application system, you agree that the information you provide is accurate, complete, and submitted by you or with proper authorization.

Submitting a form or application does not guarantee approval, loan terms, or funding.

You authorize West Shores Financial and its representatives to review and use the information you provide to respond to your inquiry, discuss mortgage options, assist with prequalification or application steps, and provide related services.

6. Credit Authorization

If you complete a mortgage application or provide written authorization for credit review, you may authorize West Shores Financial, its lending partners, or authorized service providers to obtain credit reports, verify information, and evaluate your eligibility for mortgage financing.

Credit will not be pulled solely because you browse this website. A separate authorization may be required before credit is obtained.

7. Communications Consent

By submitting your contact information, including your phone number or email address, you authorize West Shores Financial and its representatives to contact you regarding your inquiry, mortgage options, loan application, appointment reminders, educational content, marketing communications, or related services.

Communications may be made by phone call, text message, email, voicemail, or mail. Message and data rates may apply. Message frequency may vary.

You may opt out of text messages at any time by replying STOP. You may request help by replying HELP or by contacting us directly.

Consent to receive marketing calls or text messages is not required as a condition of obtaining a mortgage loan or service.

You may unsubscribe from marketing emails by using the unsubscribe link provided in the email or by contacting us.

8. Equal Housing Opportunity

West Shores Financial supports equal housing opportunity and fair lending. We do not discriminate against applicants or prospective applicants on any prohibited basis under applicable federal, state, or local law.

All loan applications are subject to applicable underwriting, investor, and regulatory requirements.

9. Third-Party Links and Services

This website may contain links to third-party websites, applications, portals, scheduling platforms, social media platforms, lender portals, credit services, or other external resources.

Third-party websites and services are not controlled by West Shores Financial. We are not responsible for the content, privacy practices, security, availability, accuracy, or policies of any third-party website or service.

Your use of third-party websites or services is subject to their own terms and privacy policies.

10. Calculators, Estimates, and Educational Tools

Any calculators, payment estimates, affordability examples, refinance scenarios, rate comparisons, or educational tools on this website are provided for general informational purposes only.

These tools may rely on assumptions and may not include all costs, taxes, insurance, mortgage insurance, HOA dues, assessments, impounds, points, fees, or other expenses. Actual loan terms, payments, and costs may vary.

11. Intellectual Property

All content on this website, including text, graphics, logos, icons, images, videos, layouts, design elements, service descriptions, educational materials, and other content, is owned by or licensed to West Shores Financial unless otherwise stated.

You may not copy, reproduce, modify, distribute, display, publish, transmit, or use website content for commercial purposes without prior written permission from West Shores Financial.

12. User Conduct

You agree not to:

Submit false, misleading, fraudulent, or unauthorized information

Interfere with website security or functionality

Attempt to access restricted systems or data

Use the website for spam, unlawful marketing, or fraudulent activity

Upload or transmit viruses, malware, or harmful code

Use automated systems to scrape, copy, or harvest website content

Misrepresent your identity or affiliation with any person or entity

13. Privacy

Your use of this website is also governed by our Privacy Policy. Please review the Privacy Policy to understand how personal information may be collected, used, shared, and protected.

14. No Warranty

This website and its content are provided on an “as is” and “as available” basis. West Shores Financial makes no warranties or representations that the website will be uninterrupted, error-free, secure, current, accurate, or free of viruses or harmful components.

To the fullest extent permitted by law, West Shores Financial disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

15. Limitation of Liability

To the fullest extent permitted by law, West Shores Financial, its owners, officers, employees, representatives, affiliates, service providers, and partners shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages arising out of or related to your use of this website.

This includes damages related to website errors, service interruptions, reliance on website content, third-party links, unauthorized access, data loss, or inability to access the website.

Some jurisdictions do not allow certain limitations of liability, so some limitations may not apply to you.

16. Indemnification

You agree to indemnify, defend, and hold harmless West Shores Financial, its owners, officers, employees, representatives, affiliates, service providers, and partners from and against any claims, damages, liabilities, losses, costs, or expenses arising out of your use of the website, your violation of these Terms and Conditions, or your submission of false, misleading, or unauthorized information.

17. Website Availability and Changes

West Shores Financial may modify, suspend, discontinue, or restrict access to any part of this website at any time without notice.

We may also update, remove, or revise website content, loan program information, forms, links, features, and these Terms and Conditions at any time.

18. Accessibility

West Shores Financial strives to make its website accessible and user-friendly. If you experience difficulty accessing any part of the website, please contact us so we can assist you.

19. Governing Law

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

Any dispute arising out of or related to this website or these Terms and Conditions shall be handled in a court of competent jurisdiction located in California, unless otherwise required by applicable law.

20. Updates to These Terms

We may update these Terms and Conditions from time to time. Changes will be posted on this page with an updated effective date. Your continued use of the website after changes are posted means you accept the updated Terms and Conditions.

21. Contact Information

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

West Shores Financial
Website: https://www.westshoresfinancial.com
Email: [email protected]
Phone: 310-541-8000

West Shores Financial
DRE #01948605 | NMLS #2089797