Legal

Terms of Service

Effective Date: April 1, 2026 | Last Updated: April 1, 2026

1. Acceptance of Terms

By accessing or using the website at keypathmortgage.com ("Site") or submitting any form or inquiry, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Site. These Terms apply to all visitors, users, and customers of Keypath Mortgage, NMLS #2273319.

2. Description of Services

Keypath Mortgage is a licensed mortgage broker operating in California and 47 additional states. We provide mortgage brokerage services including home purchase loans, refinancing, cash-out refinancing, FHA loans, VA loans, and HELOC products. Our website provides informational content, mortgage calculators, rate information, and lead capture forms to connect prospective borrowers with our loan officers.

3. Not a Commitment to Lend

Important: Nothing on this website constitutes a commitment or agreement to lend. All loan applications are subject to underwriting approval, credit qualification, property appraisal, and other conditions. Mortgage rates and terms shown are for informational purposes only and are subject to change without notice. Actual rates and terms will be determined based on your individual financial profile and the loan product selected.

4. Use of Website Calculators and Tools

The mortgage calculators, affordability estimators, and refinance savings tools provided on this Site are for educational and illustrative purposes only. Results are estimates based on the inputs you provide and standard assumptions. They do not account for taxes, insurance, HOA fees, PMI, or other costs. Do not rely solely on calculator results when making financial decisions. Consult with a licensed loan officer for accurate figures specific to your situation.

5. Consent to Contact

By submitting any form on this Site, you agree to be contacted by Keypath Mortgage via phone, email, and/or SMS regarding your inquiry. You acknowledge that such contact may be made using automated telephone dialing systems or prerecorded messages. Consent to be contacted is not a condition of obtaining any loan product or service. You may opt out of communications at any time by contacting us at dave@vnmloan.com or replying STOP to any SMS.

6. SMS/Text Messaging Terms

By opting in to receive SMS/text messages from Keypath Mortgage, you agree to the following:

Transactional Messages: You may receive messages related to your account, services, or communications you have requested, including appointment reminders, order confirmations, and account notifications.
Message frequency may vary.
Message and Data rates may apply.
You may opt out at any time by replying STOP to any message.
For assistance, reply HELP to any message or contact us directly.
Carriers are not liable for delayed or undelivered messages.

7. Intellectual Property

All content on this Site, including text, graphics, logos, images, and software, is the property of Keypath Mortgage or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

8. Disclaimer of Warranties

This Site and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. Keypath Mortgage does not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or timeliness of any information on the Site.

9. Limitation of Liability

To the maximum extent permitted by law, Keypath Mortgage shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this Site or its content. Our total liability to you for any claim arising from your use of the Site shall not exceed $100.

10. Third-Party Links

Our Site may contain links to third-party websites. These links are provided for convenience only. We do not endorse, control, or assume responsibility for the content, privacy practices, or terms of any third-party site. Accessing third-party sites is at your own risk.

11. Equal Housing Lender

Keypath Mortgage is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status in any aspect of a credit transaction. We are committed to the principles of the Fair Housing Act and the Equal Credit Opportunity Act.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in San Diego County, California.

13. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of the Site after changes are posted constitutes your acceptance of the updated Terms.

14. Contact Us

Keypath Mortgage

4901 Morena Blvd Suite 129, San Diego, CA 92117

Phone: (619) 900-6614

Email: dave@vnmloan.com

NMLS #2273319 | Licensed Mortgage Broker | Equal Housing Lender