Effective date: September 17, 2026

These Terms of Use ("Terms") govern your access to and use of the website of Patriot Equity Mortgage LLC ("Patriot Equity," "we," "us," or "our"). By accessing or using this site, you agree to these Terms. If you do not agree, do not use the site.

1. Educational purpose; no offer or commitment

The content on this site is provided for general information and education only. It is not financial, tax, legal, or investment advice, not a loan application, not a rate quote, not a commitment to lend, and not an offer or guarantee of any rate, term, program, or result. All loans are subject to credit approval, income and asset verification, underwriting, appraisal, property eligibility, and program guidelines, and are subject to change without notice. Not all applicants will qualify.

2. No professional or lending relationship

Using this site or submitting a form does not create a lending, advisory, or fiduciary relationship between you and Patriot Equity. A relationship is formed only when we agree in writing, and you complete a formal application and required disclosures.

3. Licensing

Patriot Equity Mortgage LLC is licensed by the California Department of Financial Protection and Innovation under the California Financing Law, License #60DBO-140221, NMLS ID #2130349. Loan Originator: Brandon Hovind, NMLS #277995. You may verify our licensing at www.nmlsconsumeraccess.org. We are not affiliated with, endorsed by, or sponsored by the U.S. Department of Veterans Affairs, the FHA, HUD, or any government agency.

4. Accuracy and availability

We try to keep the information on this site current and accurate, but we do not warrant that it is complete, accurate, or up to date. Program and product availability depends on your qualification and lender guidelines and can change at any time. We may modify, suspend, or discontinue any part of the site without notice.

5. Your responsibilities

You agree to use this site only for lawful purposes, to provide accurate information when you contact us, and not to interfere with the operation or security of the site, attempt unauthorized access, or use the site to transmit harmful or unlawful content.

6. Electronic communications and consent

If you provide your phone number or email and consent, you agree that we and our agents may contact you at that number or email, including by autodialer, prerecorded or artificial voice, and SMS text, about your inquiry and our mortgage products, even if your number is on a Do Not Call list. Consent is not a condition of any purchase or of receiving credit. Message and data rates may apply. Message frequency varies. Reply STOP to opt out or HELP for help. See our Privacy Policy for details.

7. Intellectual property

The Patriot Equity name, logo, and site content, and "Clear Close Methodology," are owned by or licensed to Patriot Equity Mortgage LLC and are protected by law. You may not copy, reproduce, distribute, or create derivative works from our content without our prior written permission.

8. Third-party links

This site may contain links to third-party websites and services provided for your convenience. We do not control and are not responsible for their content, products, or practices, and a link does not imply our endorsement.

9. Disclaimer of warranties

This site is provided "as is" and "as available," without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement, to the fullest extent permitted by law.

10. Limitation of liability

To the fullest extent permitted by law, Patriot Equity and its owners, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, revenue, or profits, arising from or related to your use of this site, even if we have been advised of the possibility of such damages.

11. Indemnification

You agree to indemnify and hold harmless Patriot Equity and its owners, employees, and agents from any claims, losses, liabilities, and expenses, including reasonable attorneys' fees, arising from your use of the site or your violation of these Terms.

12. Governing law and venue

These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules. You agree that the state and federal courts located in Orange County, California, will have exclusive jurisdiction over any dispute arising from these Terms or your use of the site, to the extent permitted by law.

13. Changes to these Terms

We may update these Terms from time to time. When we do, we will change the "Effective date" above and post the revised Terms on this page. Your continued use of the site after changes take effect means you accept the revised Terms.

14. Contact us