Terms of Services

Welcome to O1ne Mortgage Inc. These Terms and Conditions (“Terms”) govern your use of our mortgage lending services, website, and any other related services provided by O1ne Mortgage Inc. (“O1ne,” “we,” “our,” or “us”). By accessing or using our services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you should not use our services.

1. Services Provided

O1ne Mortgage Inc. provides mortgage lending services, including but not limited to:

Pre-approval and loan application processing

Mortgage loan origination, underwriting and funding

O1ne Mortgage Inc. does not service loans.

Mortgage refinancing

2. Eligibility

To use our services, you must:

Be at least 18 years old

Provide accurate and complete information as required

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, which may include providing financial information, employment details, and other relevant documentation.

Approval: Loan approval depends on applicable underwriting and program requirements, verification of applicant and property information, and applicable law. Website information does not guarantee approval or constitute a commitment to lend.

4. Fees and Charges

Application Fees: We do not charge application or processing fees before closing. Any applicable application or processing fees payable at closing will be disclosed in your loan disclosures and agreements.

Interest Rates: The interest rate on your loan will be determined based on your credit profile and other factors. We will provide you with a Loan Estimate that outlines the interest rate, APR, and other terms before you accept the loan offer.

Late Fees: If you fail to make payments on time, you may incur late fees as outlined in your loan agreement.

5. Payment Terms

Repayment: You agree to repay the loan according to the terms specified in your loan agreement, including principal, interest, and any other applicable charges.

Prepayment: Some loan products, including certain non-QM loans such as DSCR loans, may include a prepayment penalty. Whether a penalty applies, and its amount and duration, depend on the specific loan terms and applicable law. Review your loan agreement and applicable disclosures before deciding to pay off your loan early.

6. Privacy and Data Security

Information Collection: We collect and use personal information as necessary to process your loan application and provide our services. This includes financial information, contact details, and other relevant data.

Data Protection: We implement reasonable measures to protect your information from unauthorized access, use, or disclosure. For more details, please refer to our Privacy Policy.

7. Changes to Terms

O1ne Mortgage Inc. reserves the right to modify these Terms at any time. Any changes will be effective immediately upon posting on our website or as otherwise communicated to you. Your continued use of our services constitutes acceptance of the revised Terms. Accepting these Terms, using the website or submitting an inquiry does not, by itself, provide consent to optional texts, automated or AI-voice marketing calls, or marketing email.

8. Termination

We may terminate your access to our services if you violate these Terms or if we determine, at our sole discretion, that it is necessary to do so. Upon termination, any obligations you have under these Terms will survive until fulfilled.

9. Limitation of Liability

To the maximum extent permitted by law, O1ne Mortgage Inc. is not liable for any indirect, incidental, special, or consequential damages arising from your use of our services or from any loan agreement. Our total liability is limited to the maximum amount permitted by applicable law.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of the state in which O1ne Mortgage Inc. is headquartered, without regard to its conflict of law principles. Any disputes arising from these Terms or your use of our services will be resolved in the courts located in that state.

11. Contact Information

If you have any questions or concerns about these Terms or our services, please 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: george@losangelesmortgagelender.loans

12. Miscellaneous

Entire Agreement: These Terms constitute the entire agreement between you and O1ne Mortgage Inc. regarding the use of our services and supersede any prior agreements or understandings.

Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

Waiver: Failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.

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By using our services, you acknowledge that you have read, understood, and agree to these Terms and Conditions.

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13. Optional Communications

O1ne Mortgage Inc., DBA Los Angeles Mortgage Lender, offers separate optional communication choices on the Contact Us form: inquiry and appointment texts, marketing texts, automated or AI-voice marketing calls, and marketing email. Select only the channels you want. Consent to one channel is not consent to the others. Optional consent is not a condition of purchasing goods or services; you may request a personal phone or email response without selecting those optional permissions.

Text message frequency varies, and message and data rates may apply. To stop texts, reply STOP. For assistance, reply HELP or contact (213) 510-1717 or george@losangelesmortgagelender.loans. You may also contact us to withdraw a communication permission, including permission for automated or AI-voice marketing calls or marketing email.

Selecting an optional communication permission does not authorize a credit inquiry or constitute a loan approval or commitment to lend. Changes to these Terms do not create new optional communication permissions. For information about handling personal information, see our Privacy Policy.