Legal

Website Terms

Last updated: September 4, 2026

Educational information only

Content and calculators on this site are for general educational purposes. They are not financial, legal, tax, or accounting advice and are not a substitute for reviewing your actual scenario with qualified professionals.

No commitment or guarantee

Nothing on this site is a commitment to lend, loan approval, rate lock, or guarantee of eligibility, closing, savings, property value, or timing. All loans are subject to application, credit review, acceptable documentation, property review, underwriting approval, program rules, and availability.

Calculator limitations

Calculator results rely on assumptions entered by the user and may omit mortgage insurance, homeowners association dues, maintenance, taxes, insurance, prepaid items, fees, points, and other costs. Actual terms may differ.

Third-party services

Scheduling, social, analytics, review, and application links may lead to third-party services with their own terms and privacy practices. Louis Baca and Geneva Financial are not responsible for third-party availability or content.

Permitted use

You may use this site for lawful personal and professional information gathering. You may not interfere with its operation, misrepresent your identity, submit malicious material, or attempt unauthorized access.

Changes

Content, programs, licensing, and these terms may change. Contact Louis for current information before relying on website content for a transaction.