Last Updated: December 08, 2025
These Terms & Conditions (“Terms”) govern your use of this website, all forms, lead tools, mortgage calculators, advertisements, and communication systems operated by Axel Real Estate & Home Loans Inc. (“Company,” “we,” “us,” or “our”).
By accessing this website or submitting your information, you agree to be bound by these Terms.
✅ 1. No Commitment to Lend
Submission of information through this website does NOT constitute a loan application or a commitment to lend. All loan approvals are subject to:
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Lender underwriting
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Verification of borrower information
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Credit approval
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Property appraisal
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Title review
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Final investor guidelines
Rates, fees, and programs are subject to change without notice.
✅ 2. Mortgage Rates & APR Disclosure
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All rates shown are for general informational purposes only.
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Rates are subject to change without notice.
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Actual rates may vary based on credit profile, loan amount, loan-to-value, loan purpose, occupancy, and market conditions.
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APR examples may include lender fees only and may exclude third-party fees, including but not limited to:
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Title
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Escrow
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Appraisal
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Credit report
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Recording fees
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A Loan Estimate (LE) disclosing all real costs will be provided after receipt of a completed loan application.
✅ 3. Adjustable-Rate Mortgage (ARM) Disclosure
Loans advertised as 7/6 ARMs or other adjustable-rate mortgages operate as follows:
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Fixed interest rate for the first stated period (e.g., 7 years)
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Adjustment occurs after the fixed period at defined intervals (e.g., every 6 months)
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Rate changes are based on an index + margin
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Rate increases are limited by:
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Initial adjustment cap
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Periodic adjustment cap
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Lifetime cap
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Your payment and interest rate may increase or decrease after the fixed period ends.
✅ 4. Lead Submission & Communication Consent (TCPA-Compliant)
By submitting your information, you expressly consent to receive:
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Phone calls
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Text messages (SMS)
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Emails
from Axel Real Estate & Home Loans Inc. and its partners regarding mortgage products and financial services.
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Message and data rates may apply
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Consent is not a condition of loan approval
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You may opt out at any time by replying “STOP” to any text message or contacting us directly
✅ 5. Use of Website & Lead Tools
You agree to use this website only for lawful purposes. You may not:
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Submit false or misleading information
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Attempt unauthorized access
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Interfere with website security
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Abuse forms, calculators, or communication systems
We reserve the right to block users who violate these terms.
✅ 6. Third-Party Services & Links
This website may contain links to third-party websites and services. We are not responsible for:
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Their content
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Their security
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Their privacy practices
Use of third-party services is entirely at your own risk.
✅ 7. No Financial or Legal Advice
All information provided on this website is for general informational purposes only and does not constitute:
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Legal advice
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Financial advice
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Tax advice
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Investment advice
Borrowers should consult licensed professionals regarding their individual circumstances.
✅ 8. Data Accuracy Disclaimer
You agree that:
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Your submitted information is truthful and accurate
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Any decision based on incorrect or incomplete data is your responsibility
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Rate quotes and approvals depend on verified data
✅ 9. Intellectual Property
All website content including:
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Text
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Graphics
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Logos
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Software
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Design elements
is the property of Axel Real Estate & Home Loans Inc. and may not be copied, reproduced, or redistributed without written permission.
✅ 10. Limitation of Liability
Axel Real Estate & Home Loans Inc. shall not be liable for:
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Any indirect, incidental, or consequential damages
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Any loss resulting from website interruptions
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Errors in automated systems
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Third-party software or data breaches
Use of this website is at your own risk.
✅ 11. Indemnification
You agree to indemnify and hold harmless Axel Real Estate & Home Loans Inc., its officers, employees, affiliates, and partners from any claims arising from:
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Your misuse of the website
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Your violation of these Terms
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Your submission of false information
✅ 12. Governing Law & Jurisdiction
These Terms shall be governed by the laws of the State of California. Any disputes shall be resolved exclusively in courts located within California.
✅ 13. Modification of Terms
We reserve the right to modify these Terms at any time. Updates will be posted on this page with a revised effective date.
✅ 14. Licensing Disclosure
Axel Real Estate & Home Loans Inc.
NMLS #1672710
California State License #02007515
✅ 15. Company Contact Information
Axel Real Estate & Home Loans Inc.
📍 1721 Deborah St., Tracy, CA 95376
📞 408-350-7353
📧 info@axelfunding.com
🌐 https://axelfunding.com