Terms of Use

These Terms of Use govern your access to and use of this website (the "Site"), operated by David Salita, a Loan Officer with United Lending Partners Inc. (NMLS #168352). By using this Site, you agree to these Terms. If you do not agree, please do not use the Site.

Not a Commitment to Lend

Nothing on this Site constitutes an offer, commitment, or guarantee to extend credit. All loan programs, rates, and terms described on this Site are subject to credit approval, income and asset verification, property appraisal, and underwriting guidelines, and may change without notice. Actual loan terms will be provided only through a formal, written disclosure issued in connection with a specific loan application.

Calculators & Sample Rates Are Estimates Only

This Site includes payment, affordability, debt-to-income, and DSCR calculators, along with sample interest rates. These tools are provided for general informational and illustrative purposes only. Results are estimates based on the figures you enter and on assumptions (such as estimated tax and insurance costs) that may not reflect your actual transaction. They do not constitute a quote, pre-qualification, pre-approval, or commitment of any kind, and should not be relied upon as a substitute for a formal loan estimate or consultation.

Equal Housing Opportunity

We are committed to the principles of the Fair Housing Act and Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, or any other protected characteristic in connection with any lending activity.

Licensing

David Salita, NMLS #389697, is licensed in California (DRE Salesperson License with MLO Endorsement #01522681) and Arizona (Loan Originator License #LO-2014718), and originates loans through United Lending Partners Inc., DBA United Realty Partners, CA DRE #01846152, NMLS #168352. You may verify license information at NMLS Consumer Access. This Site is intended for use by residents of states in which David Salita and United Lending Partners Inc. are licensed to originate loans.

Acceptable Use

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

• Use the Site in any way that could damage, disable, or impair its operation
• Attempt to gain unauthorized access to any part of the Site or its underlying systems
• Submit false, misleading, or fraudulent information through any form on the Site
• Use any automated system (bots, scrapers, etc.) to access the Site for purposes other than standard search engine indexing

Third-Party Links & Services

This Site contains links to third-party services, including a secure online loan application portal. We do not control and are not responsible for the content, security, or privacy practices of third-party sites. Your use of any third-party service is governed by that service's own terms and privacy policy.

Intellectual Property

The content on this Site, including text, design, graphics, and the calculators provided, is the property of David Salita or its licensors and is protected by applicable copyright and intellectual property laws. You may view and use the Site for personal, non-commercial informational purposes. You may not reproduce, distribute, or create derivative works from this Site's content without prior written permission.

No Professional or Financial Advice

Content on this Site is provided for general informational purposes and does not constitute financial, legal, or tax advice. You should consult with qualified financial, legal, or tax professionals regarding your specific situation before making any decisions related to mortgage financing.

Limitation of Liability

This Site and its content are provided "as is" without warranties of any kind, express or implied. To the fullest extent permitted by law, David Salita and United Lending Partners Inc. disclaim all liability for any direct, indirect, incidental, or consequential damages arising from your use of, or inability to use, this Site, including reliance on any calculator results or sample rate information.

Changes to These Terms

We may revise these Terms of Use at any time without prior notice. Updated terms will be posted on this page with a revised "Last updated" date. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles, except where superseded by applicable Arizona law for matters specifically related to loan origination activity conducted in Arizona.

Contact Us

If you have questions about these Terms of Use, contact:

David Salita, Loan Officer — NMLS #389697
Phone: (415) 640-6999
Email: loansbydaves@gmail.com

This page is a general terms-of-use notice for this website and has not been reviewed by an attorney. It is not a substitute for any agreement, disclosure, or terms issued directly by United Lending Partners Inc. in connection with an actual loan application.