Terms of Service

These terms govern your use of lendingbyangela.com and the landing pages, forms and tools operated by ATW Enterprise LLC, doing business as Lending by Angela. By using the site or submitting a form, you agree to them.

Who we are

Angela Whittaker is a licensed Mortgage Loan Officer (NMLS #1927081) and a licensed California real estate salesperson (CA DRE #02107666), operating under Direct Realty and Mortgage (NMLS #703421, CA DRE #01704087). Mortgage and real estate services are offered in California.

What this site is, and what it isn't

Information here is general and for education. It is not financial, legal, tax or accounting advice, and it does not account for your particular circumstances. Loan programs, rates, guidelines and down payment assistance availability change frequently and without notice.

Home value estimates, cash offer figures, net sheets and deal analyses we provide are opinions based on available data at the time. They are not appraisals, and they are not guarantees of what a property will sell for or what a buyer will pay.

We are not a credit repair organization, a foreclosure rescue service, or a loan modification service, and we do not charge fees for advice about foreclosure.

Using our forms

When you submit a form you agree to give accurate, current information and that you are at least 18 years old. Submitting a form starts a conversation — it does not create a client relationship, a loan application, a listing agreement, or any obligation on either side. A working relationship begins only when we agree to it in writing.

Consent to receive calls or texts is never a condition of obtaining a loan or using our services. How we handle your information is described in our Privacy Policy.

Communication

By providing your phone number and checking a consent box, you agree we may contact you at that number, including by automated or prerecorded means where applicable. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for assistance.

Email and text are not secure channels. Please do not send Social Security numbers, account numbers or other sensitive financial details by unsecured email or text — we will provide a secure method when documents are needed.

Your responsibilities

You agree not to use this site to submit false information, submit an application on behalf of someone else without their authorization, interfere with the site's operation or security, or scrape, copy or republish its content for commercial use.

Third-party links and tools

We link to lender portals, application software, calendars, home search tools and social media that we do not control. We are not responsible for their content, accuracy, availability or privacy practices. Your use of those services is governed by their own terms.

Our content

The text, layout, graphics and materials on this site belong to ATW Enterprise LLC DBA Lending by Angela unless otherwise noted. You may view and share them for personal, non-commercial use with attribution. You may not reproduce or distribute them commercially without written permission.

Limitation of liability

The site and its content are provided as is, without warranties of any kind. To the fullest extent permitted by law, ATW Enterprise LLC DBA Lending by Angela is not liable for indirect, incidental or consequential damages arising from your use of the site or reliance on its content. Nothing here limits liability that cannot be limited under applicable law, including obligations under state and federal mortgage and real estate regulation.

Fair housing and equal opportunity

We conduct business in accordance with federal and state fair housing and fair lending law. We do not discriminate on the basis of race, color, religion, sex, familial status, national origin, disability, or any other protected characteristic.

Governing law

These terms are governed by the laws of the State of California, without regard to conflict of law principles. Any dispute will be brought in the state or federal courts located in California.

Changes

We may update these terms as our services or the law change. The date at the top reflects the current version. Continued use of the site after an update means you accept the revised terms.

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