Terms of Service

Last Updated: July 2026

Welcome to the website of Iron Oak Home Loans. By accessing or using this website and our services, you agree to be bound by these Terms of Service ("Terms"). Please read them carefully.

1. Acceptance of Terms

By accessing this website, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, please do not use this website or our services.

2. Services Description

Iron Oak Home Loans provides home financing services in Pleasanton, CA and surrounding areas, including but not limited to:

• Home purchase loan pre-approval
• Mortgage refinancing options
• Rate quotes and loan estimates
• Home financing guidance and support

3. User Responsibilities

When using this website, you agree to:

• Provide accurate and complete information when submitting forms
• Use the website only for lawful purposes
• Not interfere with the proper functioning of the website
• Not attempt to gain unauthorized access to any portion of the website

4. No Guaranteed Results

While we strive to provide accurate information and excellent service, we cannot guarantee specific results. This website is intended solely for the recruitment of loan origination professionals and is not an offer or solicitation of any consumer loan or financial product.

5. SMS/Text Messaging Terms

Iron Oak Home Loans offers two separate SMS consent options on our website. By checking the corresponding checkbox, you agree to the following:

• Marketing SMS: Property updates, market alerts, promotional offers, and follow-up messages related to home financing services. Message frequency varies based on your activity and interests.
• Transactional SMS: Account notifications, two-factor authentication (2FA), and appointment reminders. Message frequency may vary based on account activity.
• Message and data rates may apply depending on your mobile carrier plan
• You may opt out of either or both message types at any time by replying STOP to any message
• For assistance, reply HELP to any message or contact us directly
• Consent to receive text messages is not a condition of purchasing any property or service
• Carriers are not liable for delayed or undelivered messages

6. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Iron Oak Home Loans or its licensors and is protected by copyright and other intellectual property laws.

7. Third-Party Links

This website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of any third-party sites. Inclusion of any link does not imply endorsement.

8. Limitation of Liability

To the fullest extent permitted by law, Iron Oak Home Loans shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of this website or services.

9. Indemnification

You agree to indemnify and hold harmless Iron Oak Home Loans and their affiliates from any claims, damages, losses, or expenses arising from your use of the website or violation of these Terms.

10. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this website. Your continued use of the website after changes are posted constitutes acceptance of the modified Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

12. Contact Information

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

Iron Oak Home Loans
Phone: +19258032460
Email: customerservice@ironoak1.com
Pleasanton, CA