Terms of Service

Last Updated: April 7, 2026

1. Agreement to Terms

By accessing or using the website at heloc.theloanbrief.com or submitting any information through our forms, you agree to be bound by these Terms of Service and our Privacy Policy. These Terms apply to all visitors, leads, and anyone who interacts with our services.

If you do not agree to these Terms, do not use our website or submit your information.

These Terms are entered into between you and A&A Mortgage Group INC, operating under the brand name The Loan Brief ("Company," "we," "us," or "our").

2. Description of Services

The Loan Brief is a licensed mortgage brokerage that provides residential and investment property financing services, including but not limited to:

• Home Equity Lines of Credit (HELOC)
• DSCR investor loans
• Mortgage brokerage and loan origination services
• Loan consultation and eligibility evaluation

We serve customers in the following states: Alabama, Arizona, California, Colorado, Connecticut, Washington D.C., Florida, Hawaii, Idaho, Maine, Maryland, Michigan, Nebraska, New Hampshire, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, and Wyoming.

Our services are provided through an online platform using digital document collection, electronic notary, and soft credit inquiries. Our HELOC product specifically utilizes an automated valuation model (AVM) in place of a traditional appraisal, enabling faster processing and funding. We connect borrowers with licensed mortgage professionals and lending partners to assist with their financing needs.

We use GoHighLevel as our CRM and communications platform to manage inquiries, automate follow-up, and facilitate appointments, SMS, email, phone, and voicemail communications.

3. User Responsibilities

By submitting your information through our website, you represent and agree that:

• You are at least 18 years of age
• The information you provide is accurate, complete, and current
• You are the authorized user of the phone number and email address you provide
• You have the legal right to submit the property and financial information you provide
• You will not use our services for any unlawful or prohibited purpose
• You will notify us promptly if any information you provided changes

4. Acceptable Use

You agree not to use our website or services to:

• Submit false, misleading, or fraudulent information
• Impersonate any person or entity
• Interfere with or disrupt the operation of our website or systems
• Attempt to gain unauthorized access to any part of our platform
• Transmit any harmful, offensive, or illegal content
• Violate any applicable federal, state, or local law or regulation

5. SMS Messaging Terms

When you submit your information on our website and check the SMS consent box, you agree to receive text messages from The Loan Brief at the mobile number you provided. Messages may include:

• Follow-up messages regarding your HELOC or mortgage loan inquiry
• Appointment confirmations and reminders
• Loan status updates and next-step instructions
• Educational content about mortgage products relevant to your situation
• Re-engagement messages if you have not yet completed your application

Opt-Out: You can cancel SMS messages at any time. Simply reply STOP to any message from us. After you send STOP, we will send one final confirmation message and you will no longer receive SMS messages from The Loan Brief. If you wish to re-enroll, submit a new inquiry on our website and opt in again.

Help: If you are experiencing issues with our messaging program, reply HELP for assistance, or contact us directly at [email protected] or call +1 (949) 393-0319.

Carrier Disclaimer: Carriers are not liable for delayed or undelivered messages.

Message & Data Rates: Message and data rates may apply for any messages sent to you from us and to us from you.

Message Frequency: Message frequency varies based on your inquiry status and engagement. You may receive multiple messages per week during active follow-up periods. If you have questions about your text or data plan, contact your wireless provider.

Privacy: For information on how we handle your data, please read our Privacy Policy: heloc.theloanbrief.com/privacy-policy.

6. Email & Other Communications

By submitting your information, you also consent to receive emails, voicemail drops, and calls from The Loan Brief related to your mortgage inquiry. All email communications comply with the CAN-SPAM Act. You may unsubscribe from email communications at any time by clicking the unsubscribe link in any email or contacting us directly.

7. Appointment Booking

We offer online appointment scheduling for mortgage consultations. By booking an appointment, you agree to provide accurate contact information and acknowledge that appointments may be confirmed or followed up via SMS, email, or phone call using the contact details you provide.

8. No Financial or Legal Advice

The information provided on our website and through our communications is for general informational and educational purposes only. Nothing on our website or in our communications constitutes legal or tax advice. A&A Mortgage Group INC operates as a licensed mortgage brokerage. While we are licensed to originate mortgage loans, we do not guarantee loan approval, specific interest rates, or particular loan terms. All financing outcomes are subject to individual qualification, lender guidelines, and market conditions.

9. Intellectual Property

All content on heloc.theloanbrief.com, including but not limited to logos, text, graphics, images, and page layouts, is the property of A&A Mortgage Group INC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on this site without our prior written permission.

10. Disclaimers

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components. We make no representations regarding the accuracy or completeness of any information on our website.

Loan approval is subject to credit review, property valuation, income verification, and lender guidelines. Submitting an inquiry does not guarantee financing.

11. Limitation of Liability

To the fullest extent permitted by applicable law, A&A Mortgage Group INC, its officers, directors, 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 our website or services, including but not limited to lost profits, loss of data, or business interruption, even if we have been advised of the possibility of such damages.

Our total liability to you for any claims arising from your use of our services shall not exceed the amount you paid to us, if any, in the twelve months preceding the claim.

12. Indemnification

You agree to indemnify, defend, and hold harmless A&A Mortgage Group INC and its affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorney fees, arising out of or in connection with your use of our website, your violation of these Terms, or your submission of false or inaccurate information.

13. Termination

We reserve the right to terminate or suspend your access to our services at any time, with or without cause or notice, if we believe you have violated these Terms or engaged in conduct that is harmful to us, other users, or third parties. Upon termination, your right to use our services ceases immediately.

14. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Orange County, California.

15. Changes to These Terms

We reserve the right to update or modify these Terms of Service at any time. When we make changes, we will update the "Last Updated" date at the top of this page. Your continued use of our website or services after any changes constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.

16. Contact Information

If you have questions about these Terms of Service, please contact us:

• Business: A&A Mortgage Group INC, operating as The Loan Brief
• Address: 23710 El Toro Road #1028, Lake Forest, CA 92630
• Email: [email protected]
• Phone: +1 (949) 393-0319
• Website: heloc.theloanbrief.com