Terms of Service

Effective Date: April 26, 2026 | Last Updated: April 26, 2026

Welcome to themortgagecompany.com (the "Website"), operated by Royal Mortgage Company, Inc., a California corporation, DBA The Mortgage Company ("we," "us," or "our"). These Terms of Service ("Terms") govern your use of the Website and our mortgage brokerage services. By accessing or using the Website, you agree to be bound by these Terms.

1. Who We Are

Royal Mortgage Company, Inc. is a California-licensed mortgage brokerage doing business as The Mortgage Company. Our regulatory information:

You may verify our license at nmlsconsumeraccess.org.

2. Services Provided

The Mortgage Company is a mortgage brokerage. We connect borrowers with wholesale lenders to originate residential mortgage loans, including conventional, FHA, VA, jumbo, and refinance products. We are not a direct lender. All loans are funded by third-party wholesale lenders.

Our services are currently available only to borrowers in California. We are not licensed to originate loans in other states.

3. Use of the Website

The Website is provided for informational purposes and to facilitate communication between you and our mortgage professionals. You agree to use the Website only for lawful purposes and in accordance with these Terms. You may not:

4. No Loan Approval or Commitment

Submitting information through this Website does not constitute a loan application, pre-approval, or commitment to lend. All loan offers are subject to underwriting approval, verification of information, satisfactory appraisal, and other terms and conditions. Rates, terms, and product availability are subject to change without notice.

5. Calculators and Tools

Mortgage calculators and other tools on the Website are for general informational and educational purposes only. The results are estimates based on the information you provide and assumed market conditions. Actual loan terms, payments, and costs may differ significantly. These calculators do not constitute a loan offer or financial advice.

6. Communications Consent

By submitting your contact information and checking the consent box, you authorize Royal Mortgage Company, Inc. and its representatives to contact you by phone (including by autodialer or pre-recorded message), text message (SMS), and email at the contact information you provide. This consent is not a condition of obtaining any loan or service. You may opt out at any time. See our SMS Terms for SMS-specific opt-out instructions.

7. Privacy

Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

8. Equal Credit Opportunity

The Mortgage Company complies with the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act. We do not discriminate against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), source of income (such as public assistance), or because the applicant has exercised any right under the Consumer Credit Protection Act.

9. Intellectual Property

All content on the Website — including text, graphics, logos, images, and software — is the property of Royal Mortgage Company, Inc. or its licensors and is protected by U.S. copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

10. Disclaimers

The Website is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the Website will be uninterrupted, error-free, or free of viruses or other harmful components. We do not guarantee the accuracy, completeness, or timeliness of any information on the Website.

11. Limitation of Liability

To the fullest extent permitted by law, Royal Mortgage Company, Inc., its affiliates, 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 the Website, even if advised of the possibility of such damages. Our total liability for any claim related to the Website shall not exceed $100.

12. Indemnification

You agree to indemnify and hold harmless Royal Mortgage Company, Inc. and its affiliates from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Website or your violation of these Terms.

13. Third-Party Links

The Website may contain links to third-party websites. We do not control or endorse these external sites and are not responsible for their content, privacy practices, or terms of use. Access them at your own risk.

14. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of laws principles. Any legal action arising out of or relating to these Terms shall be brought exclusively in the state or federal courts located in Orange County, California, and you consent to personal jurisdiction in those courts.

15. Dispute Resolution

Before pursuing any legal action, you agree to first attempt to resolve any dispute by contacting us at info@themortgagecompany.com. We will work in good faith to resolve disputes informally within 30 days.

16. Changes to These Terms

We may update these Terms from time to time. The "Last Updated" date at the top will reflect when changes were made. Continued use of the Website after changes constitutes acceptance of the revised Terms.

17. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

18. Contact Information

Questions about these Terms? Contact us:

Royal Mortgage Company, Inc.
DBA The Mortgage Company
3505 E Chapman Ave, Suite C
Orange, CA 92869
Phone: (888) 452-9001
Email: info@themortgagecompany.com
NMLS ID: 2428395
Licensed by the California Department of Real Estate