Terms of Use

By using this website you agree to these terms. If you do not agree, please do not use the site. The site is operated by Monarch Capital Funding in association with Promise Home Loans, Inc., the licensed mortgage company through which loans are arranged.

No Offer or Commitment to Lend

Information on this website is for general informational purposes only. It is not an offer to lend, a commitment to lend, or a loan approval. Any loan is subject to application, credit approval, underwriting, property appraisal and other conditions. Rates, programs, terms and fees change without notice and not all applicants qualify. Examples or estimates are illustrative and are not personalized quotes.

Not Financial, Tax or Legal Advice

Content on this site is not financial, tax or legal advice. Consult appropriate professionals about your situation.

Communications Consent

• Email: if you check the marketing email box, you agree to receive promotional emails from Monarch Capital Funding. You can unsubscribe at any time using the link in any email or our unsubscribe page.
• Calls and texts: if you check the call/text box, you agree that we may contact you at the number you provided, including by autodialed or prerecorded means. Consent is not a condition of purchasing any good or service. Message frequency varies; message and data rates may apply. Reply STOP to opt out of texts or HELP for help.
• We may contact you about an inquiry you made or an appointment you requested even if you do not opt in to marketing.

Loan Applications

Loan applications are completed on a secure third-party platform (Arrive) linked from this site. Your use of that platform is governed by its own terms and privacy policy. Submitting an application is not a commitment to lend.

Your Use of the Site

You agree to provide accurate information and not to misuse the site, attempt to gain unauthorized access, introduce malware, submit false inquiries, or scrape or copy the site's content in bulk.

Intellectual Property

The site's content, logos and design belong to Monarch Capital Funding or its licensors and may not be reproduced without permission, except for personal, non-commercial use.

Third-Party Links

The site may link to third-party websites (for example the NMLS Consumer Access site). We are not responsible for their content or practices.

Disclaimers and Limitation of Liability

The site is provided “as is” without warranties of any kind. To the fullest extent permitted by law, we are not liable for indirect, incidental or consequential damages arising from your use of the site. Nothing in these terms limits any rights you have under applicable consumer-protection or lending laws.

Governing Law

These terms are governed by the laws of the State of California, without regard to conflict-of-law rules. Disputes relating to the website are subject to the courts located in the county of our principal place of business in California.

Changes and Contact

We may update these terms by posting a revised version here. Questions: [email protected]. See also our Privacy Policy and Licensing & Disclosures.