Terms of Use

Acceptance of Terms

By accessing and using chadinvestorlending.com ("the Site"), you accept and agree to be bound by these Terms of Use. The Site is operated by Chad Villacorta, Mortgage Loan Originator (NMLS #2636410) at West Capital Lending, Inc. (NMLS #1566096). If you do not agree to these terms, please do not use the Site.

Not a Commitment to Lend

Nothing on this Site constitutes a loan commitment, pre-approval, or guarantee of any specific loan terms. All loan programs are subject to credit approval, property appraisal, and compliance with applicable state and federal regulations. Loan terms, rates, and availability are subject to change without notice and may vary based on your individual circumstances including credit profile, loan-to-value ratio, property type, and loan amount.

Calculator and Tool Disclaimers

The mortgage calculators, strategy tools, deal analyzers, and other interactive features on this Site are provided for informational and educational purposes only. Results are estimates based on the information you provide and should not be relied upon as financial advice. Actual loan terms, rates, payment amounts, and qualification criteria may differ from calculator estimates. Always consult directly with a licensed mortgage professional for personalized guidance.

Rate Information

Rates, Annual Percentage Rates (APRs), and fees displayed on this Site are for illustrative purposes and reflect recent or typical market conditions at the time of publication. Your actual rate will depend on your credit profile, loan-to-value ratio, property type, loan amount, occupancy, and other factors. These are not rate quotes, commitments, or guarantees. Contact Chad Villacorta directly for a personalized rate quote.

Licensing

Chad Villacorta (NMLS #2636410) is a licensed Mortgage Loan Originator employed by West Capital Lending, Inc. (NMLS #1566096), licensed in 34 states. Verify licensing information at nmlsconsumeraccess.org. Not all products are available in all states.

Communications Consent

By submitting any form on this Site, you expressly consent to receive telephone calls, text messages (SMS/MMS), and emails from Chad Investor Lending and West Capital Lending, Inc. at the phone number and email address you provide. This includes communications sent using an automatic telephone dialing system or prerecorded/artificial voice messages. You understand that this consent is not a condition of purchasing any property, goods, or services. Message and data rates may apply. You may revoke consent at any time by replying STOP to any text message or contacting us directly.

Intellectual Property

All content on this Site — including text, graphics, logos, images, data compilations, calculator algorithms, and software — is the property of Chad Investor Lending or its content suppliers and is protected by United States copyright and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without prior written permission.

Third-Party Links

This Site may contain links to third-party websites, including but not limited to loan application portals, scheduling tools, and newsletter platforms. These links are provided for your convenience and do not signify endorsement. We are not responsible for the content, privacy practices, or terms of any third-party sites.

Limitation of Liability

To the fullest extent permitted by law, Chad Investor Lending, West Capital Lending, Inc., and their officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this Site or any information provided herein.

Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

Changes to These Terms

We reserve the right to modify these Terms of Use at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of the Site after any changes constitutes acceptance of the revised terms.

Contact

If you have questions about these Terms, contact us at:

Chad Villacorta, Mortgage Loan Originator
West Capital Lending, Inc.
17911 Von Karman Ave Suite 400, Irvine, CA 92614
Phone: (949) 345-9955
Email: cvillacorta@westcapitallending.com
NMLS #2636410 (Individual) | NMLS #1566096 (Company)