Terms of Use

1. Acceptance of Terms

By accessing, browsing, or otherwise using this website, you acknowledge that you have read, understood, and agreed to be bound by these Terms of Use, along with my Privacy Policy. These terms may be updated from time to time, and continued use of the site constitutes acceptance of any changes.

2. Informational Purpose Only

The information on this website is provided for general informational and educational purposes only. Nothing on this site constitutes:

• A loan commitment, loan approval, or guarantee of financing
• An offer to lend or a promise of specific rates or terms
• Legal, tax, financial, or investment advice
• A solicitation for business in any state where I am not licensed

All mortgage loans are subject to credit approval, property qualification, and compliance with applicable state and federal regulations. Rates, fees, and terms are subject to change without notice and depend on your specific circumstances.

3. Licensing and Regulatory Information

I am a licensed mortgage loan officer with United American Mortgage Corporation:

• NMLS ID: 745277
• California DRE: 01899898
• Company NMLS: 1942

You can verify my license and the Company's license at the NMLS Consumer Access portal.

4. Permitted Use

You may use this site for lawful, personal, and non-commercial purposes. You agree not to:

• Use the site in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to any portion of the site or its systems
• Upload or transmit viruses, malware, or other harmful code
• Scrape, harvest, or collect data from the site using automated tools
• Impersonate another person or provide false information
• Use the site to harass, defame, or harm others

5. Intellectual Property

All content on this site, including text, graphics, logos, images, and layout, is the property of Adam Evans or used with permission, and is protected by U.S. copyright and trademark laws. You may view and share this content for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works without my prior written permission.

United American Mortgage, UAM logos, and related trademarks are the property of United American Mortgage Corporation and are used by me under Company authorization.

6. Client Reviews and Testimonials

Testimonials shared on this site are from actual past clients, with their permission or as publicly posted on third-party review platforms (such as Google). Individual experiences may vary. Testimonials are not guarantees of future results.

7. Third-Party Links and Services

This site may contain links to third-party websites and services, such as the NMLS Consumer Access portal, loan application platforms, or educational resources. I do not control and am not responsible for the content, privacy practices, or terms of use of those third parties. Your use of those services is governed by their own terms.

8. Communications

By contacting me through this site, by phone, or by email, you consent to receive communications from me regarding your inquiry, including by phone (voice and text message) and email. You may opt out of marketing communications at any time. Standard message and data rates may apply to text messages.

9. Disclaimers

THIS SITE AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. To the fullest extent permitted by law, I disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

I do not warrant that the site will be uninterrupted, error-free, secure, or free of viruses or other harmful components. You use this site at your own risk.

10. Limitation of Liability

To the fullest extent permitted by law, neither Adam Evans nor United American Mortgage Corporation will be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of this site, even if advised of the possibility of such damages. My total liability for any claim related to the site will not exceed the greater of $100 or the amount you paid me (which, for use of this site, is zero).

11. Indemnification

You agree to indemnify, defend, and hold harmless Adam Evans, United American Mortgage Corporation, and their respective employees and affiliates from any claim, loss, liability, or expense (including reasonable attorneys' fees) arising out of your misuse of this site or violation of these Terms.

12. Equal Housing Lender

I am committed to the principles of the Equal Credit Opportunity Act and the Fair Housing Act. All qualified applicants will receive consideration without regard to race, color, religion, national origin, sex, marital status, age, disability, familial status, or receipt of public assistance.

13. Governing Law and Venue

These Terms of Use are governed by the laws of the State of California, without regard to conflict-of-law principles. Any dispute arising out of or related to these terms or your use of the site will be resolved exclusively in the state or federal courts located in Los Angeles County, California, and you consent to personal jurisdiction in those courts.

14. Changes to These Terms

I may update these Terms of Use from time to time. When I do, I will post the updated version with a revised "Last updated" date. Your continued use of the site after changes are posted constitutes acceptance of the updated terms.

15. Contact

If you have questions about these Terms of Use, please reach out: