Legal Document

Terms and Conditions

These Terms and Conditions govern your use of the Equitable Lending website, forms, communications, and services.

Effective Date: October 5, 2026

Welcome to Equitable Lending. These Terms and Conditions govern your use of the Equitable Lending website, forms, communications, and services.

By accessing or using our website or services, you agree to these Terms and Conditions. If you do not agree, please do not use our website or services.

1
About Equitable Lending

Equitable Lending is a direct mortgage lender providing residential mortgage financing and related lending services.

Equitable Lending

NMLS #1124483

California DRE #01941713

2824 South Robertson Boulevard

Los Angeles, CA 90034

Phone: (877) 885-0111

Email: info@EquitableLending.com

Equal Housing Opportunity.

2
Use of Our Website and Services

By using this website, you represent that:

  • You are at least 18 years old or have reached the age of majority in your jurisdiction.
  • Information you provide is accurate and complete to the best of your knowledge.
  • You will not use our website or services for fraudulent, unlawful, or unauthorized purposes.
  • You understand that mortgage rates, loan programs, terms, and eligibility requirements may change without notice.
  • All mortgage products are subject to applicable underwriting requirements, credit approval, documentation, property eligibility, and program guidelines.

3
No Guarantee of Loan Approval

Submitting an inquiry, requesting information, completing an application, obtaining a prequalification or preapproval, or communicating with Equitable Lending does not guarantee approval or funding of a mortgage loan.

Loan eligibility, rates, terms, and approval may depend on credit history, income, assets, liabilities, property characteristics, documentation, loan-program requirements, market conditions, and underwriting approval.

4
Electronic Communications

When you provide your email address, telephone number, or other contact information, Equitable Lending may communicate with you regarding an inquiry, application, loan file, transaction, account, customer-service request, or other interaction you initiated with us, subject to applicable law.

Consent to receive SMS or MMS text messages is separate and is governed by Section 5 below.

Providing a telephone number to Equitable Lending does not by itself enroll you in our SMS messaging program.

5
Equitable Lending SMS/MMS Messaging Terms

The following terms apply specifically to the Equitable Lending SMS/MMS text messaging program.

5.1
Program Purpose

Equitable Lending operates an informational and transactional SMS/MMS messaging program for consumers who have requested information, submitted an inquiry, started or submitted a mortgage application, or otherwise have an active mortgage-related file or customer-service interaction with Equitable Lending.

Equitable Lending is a Direct Lending financial institution.

Our SMS program is used solely for informational, transactional, application-related, and customer-service communications.

We do not use this SMS program to send marketing or promotional text messages.

5.2
Types of Messages You May Receive

If you expressly opt in to receive SMS/MMS messages from Equitable Lending, messages may include:

Follow-up regarding a mortgage inquiry you submitted
Mortgage application updates
Loan-file status updates
Requests or reminders for documents
Notifications concerning missing or incomplete documentation
Appointment confirmations and reminders
Processing updates
Underwriting-related updates
Closing or funding-related updates
Responses to questions you asked
Customer-service communications relating to your inquiry, application, or loan file
Other informational or transactional communications directly related to your interaction with Equitable Lending

The SMS program is not used to send unsolicited advertisements, promotional offers, marketing campaigns, third-party offers, affiliate offers, or purchased-lead solicitations.

5.3
How SMS Consent Is Obtained

You receive SMS/MMS messages from Equitable Lending only after providing consent through an approved opt-in method.

When SMS consent is collected through our website, you provide consent by:

  1. 1Entering your mobile telephone number;
  2. 2Reviewing the SMS consent disclosure;
  3. 3Voluntarily checking a dedicated SMS consent checkbox that is not preselected; and
  4. 4Submitting the applicable form.

The SMS consent checkbox is separate from acceptance of our Terms and Conditions and Privacy Policy.

SMS consent is optional.

You may submit an inquiry, request information, or apply for a mortgage without agreeing to receive SMS/MMS messages.

Consent to receive text messages is not a condition of purchasing any goods or services.

5.4
Message Frequency

Message frequency varies.

The number of messages you receive will depend on the status of your inquiry, application, loan file, transaction, document requirements, appointments, and other interactions with Equitable Lending.

5.5
Message and Data Rates

Message and data rates may apply.

Your wireless carrier may charge you according to the terms of your mobile telephone plan.

5.6
Opting Out

You may stop receiving text messages at any time.

Reply STOP to any Equitable Lending text message to opt out.

After submitting an opt-out request, you may receive a one-time confirmation text confirming that you have been unsubscribed.

After your opt-out is processed, Equitable Lending will not send additional SMS/MMS messages through the applicable program unless you subsequently provide new consent.

Opting out of text messages does not prevent you from continuing to communicate with Equitable Lending by telephone, email, through our website, or through other available communication methods.

5.7
Getting Help

Reply HELP for help.

You may also contact Equitable Lending at:

Phone: (877) 885-0111

Email: support@equitableusa.com

5.8
Mobile Information and SMS Consent

Equitable Lending does not sell, rent, or share your mobile telephone number, SMS opt-in information, or SMS consent with third parties or affiliates for their marketing or promotional purposes.

Mobile information and SMS consent may be provided to service providers acting on behalf of Equitable Lending solely to provide, support, transmit, maintain, secure, or administer our messaging services.

SMS opt-in data and consent will not be transferred to third parties or affiliates for their own marketing or promotional purposes.

5.9
No Third-Party Lead Messaging

The Equitable Lending SMS program is intended for direct communications between Equitable Lending and consumers who have directly interacted with Equitable Lending and provided the applicable consent.

Equitable Lending does not use this SMS program to send messages to telephone numbers obtained solely from:

Purchased lead lists
Data brokers
Skip-tracing services
Public directories
Public records
Affiliate marketing lists
Third-party marketing lists
Other sources where the mobile subscriber has not directly provided the required SMS consent to Equitable Lending

5.10
Carrier Disclaimer

Wireless carriers are not liable for delayed or undelivered messages.

Message delivery depends on your wireless carrier, device, network availability, wireless coverage, and other factors outside Equitable Lending's control.

5.11
Privacy

Your personal information is handled in accordance with our Privacy Policy.

Our Privacy Policy explains how Equitable Lending collects, uses, protects, and discloses personal information, including mobile telephone numbers and SMS opt-in information.

View our Privacy Policy

6
Telephone Communications

Telephone-call consent and SMS consent are separate.

Where applicable, Equitable Lending may call you regarding an inquiry, application, loan file, transaction, or other interaction in accordance with applicable law and any consent you have provided.

Nothing in these Terms limits any legally recognized right to revoke consent or request that telephone calls stop.

7
Communication Preferences

You may request changes to your communication preferences at any time.

For SMS

Reply STOP

Phone

(877) 885-0111

Email

support@equitableusa.com

Equitable Lending will process valid communication-preference requests in accordance with applicable law.

8
Privacy

Your use of our website and services is also governed by our Privacy Policy.

SMS opt-in information and consent are subject to the additional protections described in Section 5 of these Terms.

View our Privacy Policy

9
Mortgage Information

Information provided through our website, employees, communications, or SMS messages is for purposes related to your inquiry, application, transaction, or requested services.

Nothing on our website or in an SMS communication constitutes a commitment to lend unless expressly provided in an authorized written loan commitment or agreement.

Loan programs, rates, fees, eligibility requirements, underwriting guidelines, and other terms are subject to change.

10
Fair Lending

Equitable Lending is committed to compliance with applicable fair-lending and housing laws.

Equitable Lending does not discriminate in the availability or terms of housing-related credit on any basis prohibited by applicable law.

Equal Housing Opportunity.

11
Compliance With Applicable Law

Equitable Lending conducts its operations subject to applicable federal and state laws and regulations, including, where applicable:

Truth in Lending Act
Real Estate Settlement Procedures Act
Equal Credit Opportunity Act
Fair Credit Reporting Act
Gramm-Leach-Bliley Act
Telephone Consumer Protection Act
Applicable consumer privacy laws
Applicable mortgage lending and licensing requirements

Nothing contained on this website modifies rights or obligations established by applicable law or legally required mortgage disclosures.

12
Intellectual Property

Unless otherwise stated, website content, including text, graphics, logos, trademarks, photographs, designs, and software, is owned by or licensed to Equitable Lending and protected by applicable intellectual-property laws.

You may not reproduce, distribute, modify, publicly display, or commercially exploit protected content without authorization.

13
Third-Party Websites

Our website may contain links to third-party websites or services.

Equitable Lending does not control third-party websites and is not responsible for their availability, content, terms, security, or privacy practices.

Links are provided for convenience only.

14
Disclaimer of Warranties

To the fullest extent permitted by applicable law, the website and general website content are provided on an "as is" and "as available" basis.

Equitable Lending does not guarantee uninterrupted, error-free, or continuously available website operation.

Nothing in this section waives any right that cannot legally be waived.

15
Limitation of Liability

To the fullest extent permitted by applicable law, Equitable Lending will not be liable for indirect, incidental, special, punitive, or consequential damages resulting solely from use of or inability to access the website.

Nothing in these Terms excludes liability where exclusion is prohibited by law.

16
Governing Law

These Terms are governed by applicable federal law and the laws of the State of California, except where another jurisdiction's law is required to apply.

17
Dispute Resolution

Any separate written agreement governing a particular loan, financial product, or service may contain additional dispute-resolution provisions.

Nothing in these Terms is intended to waive or restrict any consumer right that cannot legally be waived.

18
Changes to These Terms

Equitable Lending may update these Terms periodically to reflect changes in business practices, services, legal requirements, or messaging operations.

The current version will be posted on this page with its effective date.

A change to these Terms does not create new SMS consent when new consent is required.

19
Contact Information

Equitable Lending

Address

2824 South Robertson Boulevard
Los Angeles, CA 90034

NMLS #1124483

California DRE #01941713

Equal Housing Opportunity.