Legal
Terms of Service
Effective date: March 24, 2026 · Last updated: March 24, 2026
Please read these Terms of Service ("Terms") carefully before using RefiWithVan.com (the "Site"), operated by Van Simmons, Senior Mortgage Consultant at Saxton Mortgage. By accessing or using this Site, you agree to be bound by these Terms.
1. Use of the Site
This Site is provided for informational purposes only. You may use the Site to learn about mortgage products, submit a consultation request, and contact Van Simmons regarding your home financing needs. You agree not to use the Site for any unlawful purpose or in a way that could damage, disable, or impair its operation.
2. Not a Commitment to Lend
Nothing on this Site constitutes a commitment or offer to provide credit or a mortgage loan. All loan inquiries are subject to full underwriting review, credit approval, property appraisal, and satisfaction of applicable federal and state regulatory requirements. Loan programs, interest rates, terms, and availability are subject to change without notice and may vary by state.
3. Informational Content Only
The content on this Site — including descriptions of loan programs, rates, and mortgage concepts — is provided for general informational purposes only and does not constitute financial, legal, or tax advice. You should consult with a licensed financial advisor, attorney, or tax professional before making any financial decisions.
4. Submission of Personal Information
When you submit a contact form or consultation request, you represent that the information you provide is accurate and that you are at least 18 years of age. By submitting your contact information, you consent to being contacted by Van Simmons or a representative of Saxton Mortgage regarding your inquiry, including by phone, email, or text message. You may opt out at any time by replying "STOP" to any text or emailing van@saxtonmortgage.com.
5. TCPA Consent
By submitting your phone number, you expressly consent to receive telephone calls and/or text messages from Van Simmons or Saxton Mortgage at the number provided, including calls or texts using automated dialing technology or pre-recorded/artificial voice messages, for mortgage-related purposes. Standard message and data rates may apply. This consent is not a condition of purchasing any product or service. You may revoke consent at any time by contacting us.
6. Equal Housing Opportunity
Van Simmons and Saxton Mortgage are equal opportunity lenders. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, familial status, or any other characteristic protected by applicable law.
7. Intellectual Property
All content on this Site — including text, graphics, logos, and design — is the property of Van Simmons or Saxton Mortgage and is protected by applicable copyright and trademark law. You may not reproduce, distribute, or create derivative works without prior written permission.
8. Disclaimer of Warranties
The Site is provided on an "as is" and "as available" basis without warranties of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We make no guarantees regarding the accuracy or completeness of any information on the Site.
9. Limitation of Liability
To the fullest extent permitted by applicable law, Van Simmons and Saxton Mortgage shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use or inability to use the Site or any information contained therein, even if advised of the possibility of such damages. Our total liability to you for any claim arising from your use of the Site shall not exceed $100.
10. Third-Party Links
The Site may link to third-party websites, including Saxton Mortgage's official site and loan application portals. We are not responsible for the content, privacy practices, or accuracy of third-party sites. Links do not constitute endorsements.
11. Governing Law
These Terms are governed by the laws of the State of California, without regard to its conflict of law provisions. Any dispute arising under these Terms shall be resolved in the courts located in Los Angeles County, California.
12. Changes to These Terms
We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.
13. Contact
Questions about these Terms?