Terms & Conditions
Welcome to the website of O1ne Mortgage Inc., doing business as San Francisco Mortgage Company ("we," "us," "our"). These Terms & Conditions ("Terms") govern your access to and use of our website, services, and any communications between you and us. By using our website or submitting information through it, you agree to be bound by these Terms.
1. Acceptance of Terms
By accessing or using sfmortgage.o1nemortgage.net (the "Site"), you confirm that you are at least 18 years of age and legally able to enter into binding contracts. If you do not agree to these Terms, do not use the Site.
2. About O1ne Mortgage Inc.
O1ne Mortgage Inc. is a California-licensed mortgage lender (NMLS #2530588) regulated by the California Department of Financial Protection and Innovation (DFPI). San Francisco Mortgage Company is a registered fictitious business name (DBA) of O1ne Mortgage Inc.
3. No Loan Commitment
The information on this Site, including rate quotes, loan program descriptions, and general information, is for informational purposes only and does not constitute an offer or commitment to lend. All loan applications are subject to credit review, property appraisal, income verification, and underwriting approval. Loan terms, rates, and program availability are subject to change without notice.
4. Loan Officer Communications
By submitting your contact information through any form on this Site, you authorize O1ne Mortgage Inc. and its licensed loan officers to contact you by phone, email, or SMS to discuss mortgage products and services. Consent to be contacted is not a condition of receiving any loan or service.
5. SMS / Text Messaging Terms
If you opt in to receive SMS messages from us:
- You consent to receive text messages, including those sent by automated technology, from O1ne Mortgage Inc. at the mobile number you provide.
- Message frequency may vary depending on your loan activity and engagement.
- Message and data rates may apply, based on your wireless carrier plan.
- You may reply STOP at any time to unsubscribe, or HELP for assistance.
- Carriers (such as AT&T, Verizon, T-Mobile, etc.) are not liable for delayed or undelivered messages.
- Your mobile information will not be shared with third parties or affiliates for marketing or promotional purposes.
6. Use of the Site
You agree to use the Site only for lawful purposes. You may not:
- Submit false, misleading, or fraudulent information
- Attempt to gain unauthorized access to the Site, its servers, or any related systems
- Interfere with or disrupt the Site or attempt to bypass security measures
- Use the Site to transmit malware, spam, or other harmful content
- Use any automated means (bots, scrapers, etc.) to access the Site without our written consent
- Use the Site or our services for any unlawful, discriminatory, or fraudulent purpose
7. Intellectual Property
All content on this Site — including text, logos, graphics, images, and software — is the property of O1ne Mortgage Inc. or its licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written permission.
8. Accuracy of Information
We strive to keep the information on this Site accurate and up to date, but we make no warranties or representations about the completeness, reliability, or accuracy of any content. Mortgage rates, loan programs, fees, and eligibility criteria change frequently. Always confirm current details directly with a licensed loan officer before making financial decisions.
9. Third-Party Links & Services
This Site may contain links to third-party websites or reference third-party products, services, or providers. We do not endorse and are not responsible for the content, accuracy, or practices of any third-party sites or services. Your use of any third-party site or service is at your own risk and subject to that party's terms.
10. Privacy
Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Site, you consent to the collection and use of information as described in the Privacy Policy.
11. Equal Housing Lender
O1ne Mortgage Inc. is an Equal Housing Lender. We comply with the Federal Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate based on race, color, religion, national origin, sex, marital status, age, disability, familial status, or because all or part of an applicant's income comes from public assistance.
12. Disclaimers
The Site and all content are provided "AS IS" and "AS AVAILABLE," without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, secure, or error-free.
13. Limitation of Liability
To the fullest extent permitted by law, O1ne Mortgage Inc., its officers, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site or any services, even if advised of the possibility of such damages.
14. Indemnification
You agree to indemnify, defend, and hold harmless O1ne Mortgage Inc. and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any rights of another party.
15. Governing Law
These Terms are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Los Angeles County, California, and you consent to the personal jurisdiction of those courts.
16. Changes to These Terms
We may update these Terms from time to time. The updated version will be posted on this page with a revised "Last Updated" date. Continued use of the Site after changes are posted constitutes your acceptance of the updated Terms.
17. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
18. Contact Information
For questions about these Terms, contact us:
O1ne Mortgage Inc.
DBA San Francisco Mortgage Company
NMLS #2530588
1906 W. Garvey Ave S., Suite 200
West Covina, CA 91790
Phone: (415) 853-5640