Disclaimer for SD-Loans

Effective Date: 4/9/2026

Legal Disclaimer

SD-Loans, LLC is a licensed mortgage broker and not a direct lender. We act as a liaison between borrowers and various financial institutions to secure mortgage financing. All loan approvals, rates, and terms are determined by the individual lenders and are subject to credit approval, property appraisal, and underwriting requirements.

NMLS & Licensing: SD-Loans, LLC (NMLS ID: 2702691). Licensed by the California Department of Financial Protection and Innovation under the California Financing Law #60DBO-206383. To verify our licensing, please visit www.nmlsconsumeraccess.org. We originate loans only in states where we are properly licensed.

Rate & Program Accuracy: Interest rates, points, and program terms are subject to change without notice and may vary based on the borrower’s credit profile, loan-to-value ratio, and market conditions. This is not a commitment to lend or a guarantee of a specific rate.

Third-Party Content: Testimonials on this site represent individual experiences and do not guarantee future results for other borrowers. This website may contain links to external sites; SD-Loans is not responsible for the content or privacy practices of these third-party websites.

Equal Housing Opportunity: SD-Loans, LLC conducts business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Option 2: “Fine Print” Footer Disclaimer (Best for the bottom of every page)

This is a condensed version that fulfills the primary regulatory requirements for visibility.

SD-Loans, LLC is a mortgage broker, not a direct lender. NMLS ID #2702691. Licensed by the California DFPI under California Financing Law #60DBO-206383. All loans are subject to credit and underwriting approval. Rates and programs are subject to change without notice. Refinancing an existing loan may result in higher total finance charges over the life of the loan. Equal Housing Opportunity.

Option 3: “Marketing” Disclaimer (Best for the Home Page or near a Calculator)

This protects you against “promises” made in your marketing copy.

Notice: The information provided on this website is for informational purposes only and does not constitute financial advice. SD-Loans does not guarantee that the rates or programs mentioned will be available to all applicants. Estimates provided by our mortgage calculators are for illustrative purposes and do not include taxes, insurance, or mortgage insurance. Please consult with a licensed mortgage professional (NMLS #2702691) for a personalized quote.

Implementation Tips for WordPress:

  1. Placement: It is highly recommended to place Option 2 in your website’s footer so it appears on every page.

  2. Specific Requirements: Since you are in California, ensure your NMLS number and your DFPI license number are clearly visible near the disclaimer, as you have already done in your draft.

  3. Refinance Warning: If you promote refinancing heavily, the phrase “Refinancing an existing loan may result in the total finance charges being higher over the life of the loan” is a common regulatory requirement.

Disclaimer: I am an AI, not an attorney. Mortgage regulations vary by state and are subject to federal CFPB (Consumer Financial Protection Bureau) guidelines. You should have a qualified legal professional review your final disclaimer to ensure full compliance with California and Federal law.