Terms & Conditions

Agreement to Terms

By accessing and using the Good Life Lending website (goodlifelendingca.com), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, you should not use this website or submit any personal information through it.

About Good Life Lending

Good Life Lending provides mortgage lending services including but not limited to home purchase loans, refinancing, FHA/VA/USDA loans, jumbo loans, investment property loans, commercial real estate loans, and reverse mortgages. Selvin Herrera (NMLS# 329041) is a licensed mortgage loan officer operating under Good Life Lending, with offices located at 555 N Benson Ave Suite H, Upland, CA 91786.

No Guarantee of Loan Approval

Information provided on this website, including rate estimates, loan program descriptions, and general mortgage guidance, is for informational purposes only and does not constitute a commitment to lend, a loan approval, or a guarantee of any specific rate or terms.

All mortgage loans are subject to credit approval, income verification, property appraisal, and underwriting review. Meeting initial pre-qualification criteria does not guarantee final loan approval. Rates, terms, and program availability are subject to change without notice and may vary based on market conditions, creditworthiness, property type, and other factors.

Rate and Fee Disclosures

Any interest rates, APRs, or fee estimates displayed on this website are for illustrative purposes only and may not reflect current market rates or the rates available to you individually. Your actual rate will depend on your credit profile, loan amount, property type, down payment, and other factors.

You will receive a Loan Estimate within three business days of submitting a complete loan application, as required by the TILA-RESPA Integrated Disclosure (TRID) rules. The Loan Estimate will detail your estimated interest rate, monthly payment, closing costs, and other loan terms.

Equal Housing Lender

Good Life Lending is an Equal Housing Lender. We comply with the Fair Housing Act, the Equal Credit Opportunity Act (ECOA), and all applicable federal and state fair lending laws. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, familial status, sexual orientation, gender identity, or any other characteristic protected by law.

NMLS and Licensing

Selvin Herrera is registered with the Nationwide Multistate Licensing System (NMLS) under NMLS# 329041. You can verify licensing status at NMLSConsumerAccess.org. Licensing information is subject to change. Good Life Lending operates in compliance with the licensing requirements of all states in which it conducts business.

Website Content and Accuracy

We strive to keep the information on this website accurate and up to date. However, we make no warranties or representations regarding the accuracy, completeness, or timeliness of any content. Mortgage guidelines, rates, and regulations change frequently, and website content may not always reflect the most current information.

Content on this website does not constitute financial, legal, or tax advice. We recommend consulting with qualified professionals regarding your specific situation before making financial decisions.

Use of Website

You agree to use this website only for lawful purposes. You may not:

• Submit false, misleading, or fraudulent information through any form on this website
• Attempt to gain unauthorized access to our systems, data, or accounts
• Use automated tools to scrape, copy, or reproduce website content without written permission
• Interfere with or disrupt the operation of this website
• Use the website in any way that violates applicable federal, state, or local laws

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Good Life Lending or its content providers and is protected by United States copyright, trademark, and intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our prior written consent.

Third-Party Links

This website may contain links to third-party websites, including NMLS Consumer Access, government agencies, real estate listing services, and other resources. These links are provided for your convenience only. Good Life Lending does not endorse, control, or assume responsibility for the content, privacy practices, or terms of use of any third-party website.

Reverse Mortgage Disclosures

If you are considering a reverse mortgage (Home Equity Conversion Mortgage), please be aware that:

• These materials are not from HUD or FHA and were not approved by HUD or a government agency
• A reverse mortgage increases the principal mortgage loan amount and decreases home equity (it is a negative amortization loan)
• Borrowers must continue to pay property taxes, homeowner's insurance, and maintain the property
• Reverse mortgage loan proceeds may not be considered taxable income, but you should consult a financial advisor and appropriate government agencies for any effect on taxes or government benefits
• You are required to receive HUD-approved reverse mortgage counseling before applying
• Interest rate, program terms, and conditions are subject to change without notice

Limitation of Liability

To the fullest extent permitted by law, Good Life Lending and its officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of or inability to use this website, reliance on information provided on this website, or any errors or omissions in website content.

Indemnification

You agree to indemnify and hold harmless Good Life Lending, its officers, employees, and agents from any claims, liabilities, damages, or expenses arising from your use of this website, your violation of these Terms, or your violation of any third-party rights.

Governing Law

These Terms and Conditions are governed by the laws of the State of California without regard to conflict of law principles. Any disputes arising from these Terms or your use of this website shall be resolved in the courts of San Bernardino County, California.

Changes to Terms

We reserve the right to update or modify these Terms and Conditions at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the website following any changes constitutes acceptance of the new Terms.

Contact Us

If you have questions about these Terms and Conditions, please contact us: