Placeholder page. This is scaffolding, not reviewed legal language — replace every section below with terms drafted or reviewed by an attorney before this site goes live.

Terms of Use

Last updated: [date]

Who we are

[Placeholder — describe Pacific Loan Programs as an independent resource site, not a lender, broker, or loan officer, consistent with the disclosure on the homepage.]

Use of this site

[Placeholder — acceptable use, no warranty on estimates/calculators, informational-only nature of content.]

No lending relationship

[Placeholder — clarify that submitting the form does not create a loan application, and that a licensed third-party mortgage professional handles origination.]

Calculators & estimates

[Placeholder — the mortgage, affordability, and refinance calculators on this site provide general estimates only, are not a loan offer or pre-approval, and don't account for taxes, insurance, HOA dues, or an individual's full credit profile.]

Third-party links and partners

[Placeholder — licensed partner relationship, referral disclosure, links to external sites.]

Changes to these terms

[Placeholder — how and when updates take effect.]

Contact

Questions about these terms: hello@pacificloanprograms.com