Terms of Service

Welcome to Marcus Home Loans. These Terms of Service ("Terms") govern your use of our website located at marcushomeloans.com and any related services offered by Marcus Cavazos (NMLS #1938369) ("we," "us," or "our"). By accessing or using our website, you agree to be bound by these Terms. If you do not agree, please do not use our website.

1. Use of Website

You agree to use this website only for lawful purposes. You may not:

• Use the site in any way that violates applicable federal, state, or local laws or regulations
• Transmit unsolicited or unauthorized advertising or promotional material
• Attempt to gain unauthorized access to any part of the site or its servers
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the website
• Introduce any viruses, trojans, or other malicious code

2. Not a Commitment to Lend

Nothing on this website constitutes a loan commitment, pre-approval, or guarantee of financing. All mortgage products are subject to credit approval, income verification, property appraisal, and underwriting guidelines. Interest rates and loan programs are subject to change without notice. Contact us directly for a personalized quote.

3. Informational Purposes Only

The content provided on this website — including mortgage calculators, rate estimates, blog articles, glossary definitions, and checklists — is for general informational purposes only and does not constitute financial, legal, or tax advice. You should consult with a qualified professional before making any financial decisions.

4. SMS / Text Message Terms (A2P)

By submitting your phone number through any form on this website, you agree to receive text messages (SMS/MMS) from Marcus Home Loans. These messages may include appointment reminders, loan updates, and promotional mortgage information.

By opting in to SMS communications, you represent that you are the account holder of the mobile number provided, or that you have permission from the account holder to enroll the number.

5. Intellectual Property

All content on this website — including text, graphics, logos, images, and software — is the property of Marcus Home Loans or its content suppliers and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our express written consent.

6. Third-Party Links

Our website may contain links to third-party websites for your convenience and reference. We do not endorse, control, or assume responsibility for the content or privacy practices of those sites. Accessing third-party links is at your own risk.

7. Disclaimer of Warranties

This website is provided on an "as is" and "as available" basis without any warranties of any kind, express or implied. We do not warrant that the site will be uninterrupted, error-free, or free of viruses or other harmful components. We make no warranties regarding the accuracy or completeness of the content.

8. Limitation of Liability

To the fullest extent permitted by law, Marcus Home Loans and Marcus Cavazos shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use this website or any of its content. Our total liability for any claim arising from your use of this site shall not exceed one hundred dollars ($100.00).

9. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review it carefully.

10. NMLS Disclosures

Marcus Cavazos is a licensed mortgage loan originator. NMLS #1938369. Licensing information is available at www.nmlsconsumeraccess.org. This website is not endorsed by or affiliated with any government agency.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Fresno County, California.

12. Changes to These Terms

We reserve the right to update or modify these Terms at any time. Changes will be effective upon posting to this page with a revised "Last Updated" date. Your continued use of the website after any changes constitutes your acceptance of the new Terms.

13. Contact Us

If you have questions about these Terms of Service, please contact us: