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Terms of Service

Effective Date: January 1, 2025 | Last Updated: January 1, 2025

Please read these Terms of Service carefully before using this website or contacting Norma Nelson-Wiberg, Executive Loan Advisor. By accessing this website or submitting an inquiry, you agree to be bound by these Terms.

1. Informational Purposes Only

This website is provided for general informational purposes. Nothing on this site constitutes a commitment to lend, a loan approval, a rate quote, or financial advice. All loan inquiries are subject to full underwriting review and qualification.

2. No Guarantee of Service

Contacting us does not guarantee the availability of any loan product, interest rate, or financing arrangement. Loan availability is subject to creditworthiness, property eligibility, and applicable law.

3. SMS / Text Message Communications

By providing your mobile phone number and opting in, you expressly consent to receive SMS messages regarding your mortgage inquiry. You understand that:

  • Consent to SMS is not a condition of obtaining any loan or service
  • Message and data rates may apply
  • Message frequency varies based on your inquiry
  • You may opt out at any time by replying STOP
  • For assistance reply HELP or email [email protected]

4. Accuracy of Information

We strive to keep information accurate and current but make no warranties about the completeness or reliability of any content. Information may change without notice.

5. Intellectual Property

All content on this website is the property of Norma Nelson-Wiberg or used with permission. You may not reproduce or distribute any content without prior written consent.

6. Limitation of Liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, or consequential damages arising from your use of this website or reliance on its content.

7. Governing Law

These Terms are governed by the laws of the State of California. Any disputes shall be resolved in the courts of San Diego County, California.

8. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Continued use of the site constitutes acceptance of the revised Terms.

9. Contact Us

Norma Nelson-Wiberg, Executive Loan Advisor
San Diego, CA
Email: [email protected]
Phone: 858-354-4777
NMLS #448015 | Cal DRE #02146864