Terms & Conditions

1. Agreement to Terms

By accessing or using www.capitalsourcemortgage.com ("Site"), submitting a loan inquiry, starting a loan review through our intake portal, or engaging with CapitalSource in any capacity, you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree to these Terms, do not use this Site or submit any information to CapitalSource.

These Terms govern your use of the Site and your engagement with CapitalSource mortgage brokerage services. They do not constitute a loan agreement, commitment, or approval.

2. Eligibility

To use our services or submit a loan application, you must:

• Be at least 18 years of age and legally able to enter into a binding contract
• Be seeking mortgage financing for a property located in California or Hawaii
• Provide accurate, complete, and truthful information in connection with any loan inquiry or application

CapitalSource serves borrowers in California and Hawaii only. Inquiries from other states will not be processed.

3. Nature of Services — Mortgage Brokerage

CapitalSource operates as a mortgage broker. As your broker, we:

• Evaluate your financial profile and identify potential loan programs across our wholesale lender network
• Submit your loan application to third-party wholesale lenders for underwriting and funding
• Facilitate communication between you, the lender, and third-party service providers (appraisers, title, escrow)
• Do not make the final credit decision — lending decisions are made by the wholesale lender

CapitalSource also operates as a direct lender under its DFPI California Finance Lender license for certain loan types. The applicable role (broker or direct lender) will be disclosed in your loan documents.

4. Informational Purposes — No Commitment or Guarantee

All content on this Site is provided for informational purposes only. Nothing on this Site constitutes:

• A loan approval, commitment, or offer to lend
• A guarantee of loan terms, rates, or program availability
• Legal, tax, or financial advice

Rates and terms displayed on this Site are illustrative, subject to change without notice, and are not guaranteed until a complete loan application has been submitted, reviewed, underwritten, and approved by the applicable lender. Loan approval is subject to borrower qualification, property eligibility, appraisal, title clearance, and lender underwriting guidelines.

5. Accuracy of Information Provided

You represent and warrant that all information submitted in connection with a loan inquiry, application, or communication with CapitalSource is accurate, complete, and not misleading. Submission of false or fraudulent information in connection with a mortgage application is a federal crime under 18 U.S.C. § 1014 and may result in criminal prosecution, civil liability, and denial of your application.

6. NMLS Consumer Access and Licensing Disclosures

CapitalSource is a dba of EquitySource, Inc. We operate under the following licenses:

• California Department of Financial Protection and Innovation (DFPI) — California Finance Lender License No. 60DBO-112262
• California Department of Real Estate (DRE) — Broker License No. 02111255
• Nationwide Multistate Licensing System (NMLS) — ID 1936121

You may verify our licensing status and review regulatory information at the NMLS Consumer Access website: www.nmlsconsumeraccess.org

7. Equal Housing Opportunity

CapitalSource is an Equal Housing Opportunity lender. We do not discriminate on the basis of race, color, religion, sex, disability, familial status, national origin, sexual orientation, gender identity, marital status, age, source of income, or any other characteristic protected by federal, state, or local law, including the Fair Housing Act, Equal Credit Opportunity Act (ECOA), and California Fair Employment and Housing Act (FEHA).

If you believe you have been subjected to discriminatory treatment, you may file a complaint with the DFPI, DRE, or the Consumer Financial Protection Bureau (CFPB) at www.consumerfinance.gov.

8. Reverse Mortgage Disclosures

If you are inquiring about or applying for a reverse mortgage:

• You must be at least 55 years of age for proprietary (jumbo) reverse mortgage programs, or 62 years of age for FHA-insured Home Equity Conversion Mortgages (HECMs)
• Independent HUD-approved reverse mortgage counseling is required for HECM programs prior to loan application
• A reverse mortgage is a loan — interest accrues and the loan balance increases over time
• The loan becomes due and payable upon the borrower's death, sale of the property, or if the borrower no longer occupies the property as a primary residence
• Failure to maintain the property, pay property taxes, and maintain homeowners insurance may result in default

Proprietary reverse mortgage programs referenced on this Site are not government-insured products. Program availability, loan limits, and eligibility requirements vary by lender and are subject to change.

9. HELOC and Cash-Out Refinance Disclosures

Home Equity Lines of Credit (HELOCs) and cash-out refinance loans are secured by your home. Failure to make payments may result in foreclosure. These products carry the following considerations:

• A HELOC is a revolving line of credit with a variable interest rate; your payment may increase if rates rise
• A cash-out refinance replaces your existing mortgage with a new loan, potentially at a different rate and term
• Qualification is subject to credit approval, property appraisal, and lender underwriting guidelines
• Loan-to-value limits, credit score minimums, and income documentation requirements vary by program and lender

10. Intellectual Property

All content on this Site, including text, graphics, logos, images, and the overall design, is the property of EquitySource, Inc. dba CapitalSource and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, modify, or use any content from this Site without prior written permission from CapitalSource.

11. Third-Party Links and Services

This Site may contain links to third-party websites, including our loan application portal (my1003app.com) and other service providers. These third-party sites are governed by their own terms and privacy policies. CapitalSource is not responsible for the content, accuracy, or practices of third-party sites. Links to third-party sites do not constitute endorsement.

12. Limitation of Liability

To the fullest extent permitted by applicable law, EquitySource, Inc. dba CapitalSource, its officers, employees, and agents shall not be liable for:

• Indirect, incidental, consequential, or punitive damages arising from your use of or inability to use this Site
• Any errors or omissions in Site content
• Any action taken in reliance on Site content
• Unauthorized access to or alteration of your data

Our total liability to you for any claim arising out of your use of this Site shall not exceed one hundred dollars ($100). Some jurisdictions do not allow limitations on liability; in such cases, the limitation above may not apply to you.

13. Disclaimers

This Site and its content are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. CapitalSource does not warrant that this Site will be uninterrupted, error-free, or free of viruses or other harmful components.

14. Privacy

Your use of this Site is also governed by our Privacy Policy, available at www.capitalsourcemortgage.com/privacy-policy, which is incorporated into these Terms by reference. By using this Site, you consent to the collection and use of your information as described in the Privacy Policy.

15. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of California and applicable federal law, without regard to conflict of law provisions. Any dispute arising out of or related to these Terms or your use of this Site shall be resolved in the state or federal courts located in Orange County, California. You consent to the personal jurisdiction of such courts.

16. Changes to These Terms

We may revise these Terms at any time. Updated Terms will be posted on this Site with a revised effective date. Your continued use of this Site following posting of updated Terms constitutes acceptance of those changes. Material changes will be communicated where practicable.

17. Contact Us

For questions regarding these Terms, contact: