Terms of Service

Effective Date: January 1, 2025 | Last Updated: January 1, 2025

1. Acceptance of Terms

By accessing and using this website (realestatefu.com), including all landing pages, calculators, and services provided by Real Estate FU ("Company," "we," "us," "our") and Troy Huerta (DRE #01028204, NMLS #01131869), you agree to be bound by these Terms of Service. If you do not agree to any part of these terms, you must immediately discontinue use of this website.

2. Nature of Services

2.1 Educational & Informational Services

The calculators, guides, and educational content on this website are provided for informational and educational purposes only. They are not intended to constitute:

2.2 Mortgage Services

If you apply for mortgage pre-qualification, pre-approval, or a mortgage loan, you are entering into a separate process governed by your loan agreement and the mortgage company's terms (mymortgageapp.com). This website facilitates lead capture and initial contact only.

2.3 Not a Lender

Real Estate FU is a real estate brokerage and mortgage loan originator, not a direct lender. We facilitate connections with mortgage companies and servicers. Loan decisions are made by the lender, not by us.

3. Calculator Disclaimers

3.1 Mortgage Refinance Calculator

Disclaimer: The refinance savings calculator is an educational tool. Actual savings depend on numerous factors, including your credit score, debt-to-income ratio, loan-to-value ratio, property type, occupancy status, employment verification, appraisal results, and current market rates. Closing costs vary by lender and state. This calculator does not account for:

Do not rely on this calculator alone for refinancing decisions. Contact a mortgage professional for a detailed Loan Estimate with actual terms.

3.2 Credit Card & Debt Payoff Calculator

Disclaimer: The debt payoff calculator is based on simplified interest accrual assumptions and your input of current balances and rates. Actual credit card payoff timelines depend on:

This is educational content, not financial advice. Consult a credit counselor or financial advisor for personalized debt management strategies.

4. No Guarantees or Warranties

4.1 "As-Is" Basis

This website and all calculators, content, and services are provided on an "as-is" basis without warranties, express or implied, including:

4.2 No Credit Guarantee

Pre-qualification does not guarantee pre-approval. Pre-approval does not guarantee loan closing. Credit approval depends on verification of income, employment, assets, credit history, appraisal, property condition, and lender underwriting standards.

4.3 Market Conditions

Interest rates, loan programs, and availability change daily. Quotes provided are estimates only and are subject to lender approval, market conditions, and rate locks.

5. Interest Rates & APR Disclosure

5.1 Rates Are Variable

All interest rates quoted on this website are estimates based on current market conditions and your stated profile. Actual rates depend on:

5.2 APR vs. Interest Rate

The interest rate is the cost of borrowing. The Annual Percentage Rate (APR) includes the interest rate plus closing costs and fees, expressed as a yearly rate. APR is typically 0.5–1.5% higher than the interest rate.

5.3 Truth in Lending Act (TILA) Compliance

If you apply for a loan, the lender is required to provide a Loan Estimate within 3 days of application. The Loan Estimate will contain the actual APR, interest rate, closing costs, monthly payment, and all terms. This Legal/Terms page does not replace the Loan Estimate.

5.4 Rate Lock

If you decide to proceed with a loan application, you can request to "lock" your interest rate, which guarantees that rate for a specified period (typically 30–60 days). Rate locks are subject to lender terms and may have conditions.

6. Pre-Qualification vs. Pre-Approval

6.1 Pre-Qualification (Soft Inquiry)

6.2 Pre-Approval (Hard Inquiry)

6.3 Loan Approval

Final loan approval requires:

7. User-Provided Information & Accuracy

7.1 Your Responsibility

You are responsible for the accuracy and completeness of all information you provide. If you submit false or misleading information:

7.2 Verification

All information provided during the loan application process will be verified through:

7.3 Identity Verification

We may require copies of government-issued ID, social security number, or other documentation to verify your identity and comply with anti-money laundering (AML) regulations.

8. Limitation of Liability

8.1 No Liability for Indirect Damages

To the maximum extent permitted by law, Real Estate FU and Troy Huerta are not liable for:

8.2 Cap on Liability

Our total liability for any claim arising from your use of this website is limited to the amount you paid for our services (or $0 if no payment was made).

8.3 Assumption of Risk

You assume all risk of loss from your use of this website, including:

9. Dispute Resolution & Arbitration

9.1 Binding Arbitration

Any dispute, claim, or controversy arising from this website or our services (including disputes over the validity of this arbitration clause) shall be resolved by binding arbitration, not litigation. This includes:

9.2 Arbitration Process

Arbitration shall be conducted under the rules of JAMS (Judicial Arbitration and Mediation Services) by a single neutral arbitrator. Each party bears its own attorneys' fees and costs, except that we will pay any filing, administration, or arbitrator fees that exceed what you would pay in court.

9.3 Exceptions to Arbitration

The following are not subject to arbitration and may be brought in court:

9.4 No Class Actions

You agree not to bring any class action, class arbitration, or representative action against us. All disputes must be brought in your individual capacity, not on behalf of others.

10. Fair Lending & Non-Discrimination

10.1 Equal Housing Opportunity

Real Estate FU is committed to fair lending and non-discrimination. We do not discriminate based on:

10.2 ECOA & FHA Compliance

We comply with the Equal Credit Opportunity Act (ECOA) and Fair Housing Act (FHA). Loan decisions are based solely on creditworthiness, not protected characteristics.

10.3 Reporting Discrimination

If you believe you have been discriminated against, you can file a complaint with:

11. Compliance with Laws

11.1 Regulations We Follow

11.2 Anti-Money Laundering (AML)

We comply with Know Your Customer (KYC) and anti-money laundering regulations. We may ask for proof of identity and source of funds.

12. Intellectual Property

12.1 Our Content

All content on this website, including text, graphics, logos, calculators, and software, is the property of Real Estate FU or its licensors and is protected by copyright and other intellectual property laws. You may not:

12.2 Limited License

You are granted a limited, non-exclusive license to use this website for personal, non-commercial purposes only.

13. Prohibited Conduct

You agree not to:

14. Third-Party Links & Content

This website may contain links to third-party websites or reference third-party products/services. We are not responsible for:

Your use of third-party sites is subject to their terms of service and privacy policies.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, that provision shall be modified to the minimum extent necessary to make it valid, and the remaining terms shall continue in full force.

16. Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and Real Estate FU regarding your use of this website. Any prior agreements or understandings are superseded.

17. Contact Us

For questions about these Terms of Service, contact:

Real Estate FU
Troy Huerta
Email: troy@realestatefu.com
Phone: 760-304-1718
Address: San Diego, CA

18. Changes to Terms

We may update these Terms of Service from time to time. Changes become effective upon posting to the website. Your continued use of this website after changes constitutes your acceptance of the updated terms.