TERMS OF SERVICE

Last updated December 29, 2025

AGREEMENT TO OUR LEGAL TERMS

We are Hoppe Home Loans ("Company," "we," "us," "our"), a company registered in California, United States at 9290 Madison Ave, Orangevale, CA, 95662, US.

We operate the website https://hoppehomeloans.com (the "Site"), as well as any other related products and services that refer or link to these legal terms (the "Legal Terms") (collectively, the "Services"). Hoppe Home Loans specializes in providing professional mortgage advisor in the greater Sacramento, CA, area.

By engaging our services, booking an appointment, or using our Site, you agree to be bound by these Legal Terms, including our SMS/Text Messaging Terms outlined in this document.

1. OUR SERVICES AND SCOPE OF WORK

A. Scope of Services: Hoppe Home Loans provides professional mortgage advisory and brokerage services, which include but are not limited to, evaluating financial profiles, researching and comparing available loan products, assisting with mortgage pre-approvals, and facilitating the loan application process with third-party lenders.

B. Authorization to Perform Services: By engaging our services, scheduling a consultation, or submitting a loan inquiry, you authorize our advisors to review your financial documentation and act as your intermediary with potential lending institutions. Any material change to the scope of our advisory services or agreed-upon broker fees will require your further authorization before proceeding.

C. Rate and Fee Disclosures: Mortgage interest rates, loan terms, and third-party lender fees are determined solely by independent financial institutions and are subject to market fluctuations and underwriting approval. Any estimated rates or quotes provided during initial consultations are for informational purposes and are subject to change until formally locked in writing.

2. APPOINTMENTS, FEES, AND PAYMENT

A. Fee Estimates and Quotes: Any initial loan scenarios, fee worksheets, or pre-qualification quotes provided to you are estimates based on the financial information you supply. Final interest rates, lender fees, and closing costs will be formalized in your official Loan Estimate (LE) and Closing Disclosure (CD). These figures may vary from initial estimates based on market fluctuations, credit verification, property appraisal, or changes to your financial profile prior to closing.

B. Payment and Compensation: Broker compensation is typically earned upon the successful closing and funding of your mortgage loan. Unless otherwise specified in a borrower-paid broker agreement, these fees are generally paid directly out of the loan proceeds at closing or by the third-party lender. You are responsible for ensuring all agreed-upon borrower-paid closing costs are settled through escrow at the time of loan consummation.

C. Application and Third-Party Fees: While initial consultations may be complimentary, certain third-party costs—such as credit report fees, automated underwriting fees, or property appraisal fees—must be paid upfront to initiate the formal loan application process. These fees are charged to cover the direct costs incurred from external vendors and are non-refundable, regardless of whether your loan is ultimately approved, denied, or withdrawn.

3. DISCLAIMERS AND NO GUARANTEES

A. No Guarantee of Outcomes: While we utilize professional diligence and industry experience to source the best possible loan options for your profile, [Company Name/Advisor Name] does not guarantee loan approval, commitment, or specific interest rates. Final loan approval and underwriting decisions rest solely with the third-party lending institution.

B. Third-Party Loan Products: All mortgage programs, interest rates, and loan terms presented are governed entirely by the guidelines of independent third-party lenders. We assist you in navigating these products, but we do not warrant or guarantee that a lender will not alter their internal guidelines, cancel a specific loan program, or modify terms prior to formal loan consummation.

C. Exclusions and Limitations: We are not liable for loan denials, delayed closings, or rate increases arising from: (i) Material changes to your credit score, debt levels, employment, or overall financial status during the loan processing period; (ii) Inaccurate, incomplete, or delayed information and documentation provided by you; (iii) Sudden market fluctuations that affect interest rates before a formal rate lock is confirmed in writing; (iv) Delays caused by external third parties, including but not limited to home appraisers, title companies, escrow officers, or underwriters; or (v) Your failure to comply with the lender's requested conditions within specified deadlines.

4. CONSULTATION APPOINTMENTS AND COMMUNICATION

A. Cancellation and Rescheduling Policy: We value your time and ask that you respect ours. You must notify us of any cancellation or rescheduling requests for scheduled consultations—whether in-person, telephonic, or virtual—at least twenty-four (24) hours prior to the scheduled appointment time.

B. Impact of Missed Appointments and Delays: Mortgage processing is highly time-sensitive. While we do not charge a financial penalty for a missed initial consultation, repeated failure to attend scheduled appointments or respond to time-critical documentation requests can result in the expiration of your loan's rate lock, delayed closing dates, or the cancellation of your loan application by the lender. We reserve the right to suspend or terminate our brokerage services for clients who repeatedly miss appointments or fail to maintain necessary communication.

5. SMS/TEXT MESSAGING TERMS & CONSENT

By providing your mobile telephone number to Hoppe Home Loans, you are providing your express written consent to receive recurring text messages (SMS and MMS) from us.

  • Message Types: Messages may include service appointment reminders, technician arrival updates, invoices, and requests for feedback or Google reviews via our reputation management partner.
  • Consent Not a Condition: Consent to receive text messages is not a requirement to purchase any goods or services.
  • Opt-Out: You can unsubscribe from text messages at any time. Just reply STOP to any text message we send you. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time.
  • Help: If you are experiencing issues with the messaging program, you can reply with the keyword HELP for more assistance, or you can get help directly at [email protected].
  • Carrier Charges: Message and data rates may apply for any messages sent to you from us and to us from you. Message frequency varies based on your interaction with our services.
  • Privacy: We respect your privacy. Mobile information will not be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

6. PLATFORM INTEGRITY AND SECURITY IDENTIFIERS

To provide a secure booking environment and protect against fraudulent requests, the Site employs a "Ghost Mode" server-side architecture. This includes the use of strictly necessary identifiers, such as 'sl_session', to manage your secure authentication and service requests. We automatically honor Global Privacy Control (GPC) signals. Any attempt to bypass, reverse-engineer, or manipulate these security identifiers or our server-side analytics is a material breach of these Legal Terms.

7. INTELLECTUAL PROPERTY RIGHTS

Unless otherwise indicated, the Site and the Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics, are owned or controlled by Hoppe Home Loans and are protected by copyright and trademark laws. No part of the Services or Site may be copied, reproduced, or distributed without our express written permission.

8. GOVERNING LAW

These Legal Terms and your use of the Services are governed by and construed in accordance with the laws of the State of California applicable to agreements made and to be entirely performed within the State of California, without regard to its conflict of law principles.

9. DISPUTE RESOLUTION

Informal Negotiations

To expedite resolution and control the cost of any dispute, controversy, or claim related to these Legal Terms (each a "Dispute" and collectively, the "Disputes") brought by either you or us (individually, a "Party" and collectively, the "Parties"), the Parties agree to first attempt to negotiate any Dispute (except those Disputes expressly provided below) informally for at least thirty (30) days before initiating arbitration. Such informal negotiations commence upon written notice from one Party to the other Party.

Binding Arbitration

If the Parties are unable to resolve a Dispute through informal negotiations, the Dispute (except those Disputes expressly excluded below) will be finally and exclusively resolved by binding arbitration. YOU UNDERSTAND THAT WITHOUT THIS PROVISION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL. The arbitration shall be commenced and conducted under the Commercial Arbitration Rules of the American Arbitration Association ("AAA") and, where appropriate, the AAA's Supplementary Procedures for Consumer Related Disputes ("AAA Consumer Rules"), both of which are available at the American Arbitration Association (AAA) website. Your arbitration fees and your share of arbitrator compensation shall be governed by the AAA Consumer Rules. The arbitration will take place in Sacramento County, California.

Exceptions to Informal Negotiations and Arbitration

The Parties agree that the following Disputes are not subject to the provisions concerning informal negotiations and binding arbitration: (a) any Dispute seeking to enforce or protect, or concerning the validity of, any of the intellectual property rights of a Party; (b) any Dispute related to or arising from allegations of theft, piracy, invasion of privacy, or unauthorized use; and (c) any claim for injunctive relief.

Time Limit for Claims

In no event shall any Dispute brought by either Party related in any way to the Services be commenced more than one (1) year after the cause of action arose.

10. CORRECTIONS

There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.

11. DISCLAIMER

THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SITE'S CONTENT OR THE CONTENT OF ANY WEBSITES LINKED TO THIS SITE.

12. LIMITATIONS OF LIABILITY

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US FOR THE MORTGAGE ADVISOR GIVING RISE TO THE CLAIM, OR $500.00 USD, WHICHEVER IS LESSER.

13. INDEMNIFICATION

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, arising out of or related to: (a) your use of the Services; (b) your breach of these Legal Terms; (c) any breach of your representations and warranties set forth in these Legal Terms; (d) your violation of the rights of a third party, including but not limited to intellectual property rights; or (e) any overt harmful act toward any other user of the Services or our staff.

14. CONTACT US

In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at:

Hoppe Home Loans

9290 Madison Ave

Orangevale, CA 95662

United States

Phone: (916) 337-6337

Email: [email protected]

Notice at Collection: Hoppe Home Loans collects identifiers (like cookie IDs) and browsing activity to analyze site traffic and measure ad performance. We do not "sell" your data, but we share it with third-party analytics partners. We retain these data for 30 days. By using this site, you acknowledge our Privacy Policy.