By using Loan28.com, you agree to these Terms of Service. If you don't agree with any part of these terms, please don't use this site.
Loan28.com provides educational information about mortgage financing and access to Loi Tran, a licensed California loan officer (NMLS #454267), operating through Loan Factory, a California-licensed mortgage broker (Company NMLS #320841). The calculators, checklists, and guides on this site are educational tools intended to help you understand your options — they are not loan offers, loan commitments, or rate quotes.
Nothing on this site constitutes an approval, denial, or commitment of any kind. Any figures shown by our calculators are estimates based on the information you provide and current publicly available data (such as conforming loan limits); actual loan terms depend on full underwriting, which considers your complete financial picture, credit, and the specific property involved.
The content on this site — including our guides, glossary, and document checklists — is provided for general educational purposes. It is not personalized financial, legal, or tax advice, and it should not be relied upon as a substitute for consultation with the appropriate licensed professional for your specific situation.
We make a good-faith effort to keep the information on this site accurate and current, including loan program figures, conforming loan limits, and California-specific disclosures. However, loan program guidelines, interest rates, and government figures change — sometimes without notice. Where this site notes that a figure or program detail should be "confirmed directly," that reflects a genuine limitation, not a formality — please verify time-sensitive details directly with us before relying on them for a specific transaction.
You agree to use this site only for lawful purposes and to provide accurate information when using our calculators, forms, or application process. Submitting false or misleading information in connection with an actual loan application may have legal consequences independent of these terms.
The content, design, and organization of this site are the property of Loan28.com and may not be copied or reproduced without permission, except for your own personal, non-commercial reference.
This site may reference or link to third-party resources (such as NMLS Consumer Access or government agency websites) and uses third-party services (such as Web3Forms for processing contact and application form submissions). We are not responsible for the content or privacy practices of third-party websites.
This site and its content are provided "as is" without warranties of any kind, express or implied. To the fullest extent permitted by law, Loan28.com and Loi Tran are not liable for any damages arising from your use of this site or reliance on its educational content, beyond what applicable law requires.
These terms are governed by the laws of the State of California, without regard to its conflict of law principles.
We may update these terms from time to time. The "last updated" date at the top of this page reflects the most recent revision. Continued use of this site after changes constitutes acceptance of the updated terms.
Questions about these terms can be directed to Loi Tran at (415) 610-7999, by email at [email protected], or through our contact page.