Welcome to Alhambra Mortgage Lender (DBA of O1ne Mortgage Inc.)

These Terms and Conditions (“Terms”) govern your use of our mortgage lending services, website, and any other related services provided by Alhambra Mortgage Lender, a DBA of O1ne Mortgage Inc. (“Alhambra Mortgage Lender,” “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

Alhambra Mortgage Lender provides mortgage lending services, including but not limited to:

Pre-approval and loan application processing

Mortgage loan origination and underwriting

Loan servicing and management

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 is subject to our underwriting criteria, including creditworthiness, income verification, and property assessment. We reserve the right to approve or deny any application at our discretion.

4. Fees and Charges

Application Fees: We may charge fees for processing your application. These fees are non-refundable and will be disclosed to you prior to submitting your application.

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: You may have the option to prepay your loan in full or in part without penalty. Prepayment terms will be specified in your loan agreement.

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.

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.

1906 W. Garvey Ave S. Suite 200

West Covina, CA 91790

Phone: (866) 688-9020

Email: [email protected]

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.

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

This version ensures that the terms apply to Alhambra Mortgage Lender while maintaining the legal connection to O1ne Mortgage Inc. Make sure to consult with a legal expert to ensure this document is compliant with all applicable laws and regulations.