Effective Date: January 2026
Website: mydreamloan.com (the “Site”)
Owner/Operator: Dream Home Loans, Inc. (NMLS #1526774) and Bryan Camacho (NMLS #156774) (together, “Dream Loans,” “we,” “us,” or “our”).
1) Acceptance of These Terms
By accessing or using the Site, you agree to these Terms of Use (“Terms”). If you do not agree, do not use the Site.
2) What the Site Does
The Site provides information about mortgage and loan-related services and may offer tools that allow you to:
- request information,
- schedule a consultation,
- submit preliminary inquiry details, and/or
- upload documents for review.
Some services (including completing a full mortgage application) may be provided through a separate secure website or portal operated by a third party. Your use of those third-party services may be governed by their own terms and privacy policies, and you are responsible for reviewing them.
3) Not Financial Advice; No Commitment to Lend
Content on the Site is for general informational purposes only and is not legal, financial, or credit advice.
Any pre-qualification guidance, estimates, rate examples, calculators, or other tools are provided for convenience and do not constitute an offer, approval, or commitment to lend. Any loan decision requires a complete application, verification, underwriting, and satisfaction of applicable program requirements.
4) Eligibility and Submission Accuracy
You agree that:
- you will provide accurate and complete information,
- you will not misrepresent your identity or use someone else’s information without permission, and
- if you upload documents, you have the legal right to provide them and authorize us to review them for the purpose of responding to your request.
5) Prohibited Uses
You agree not to:
- use the Site for any unlawful purpose;
- submit false, misleading, or fraudulent information;
- upload content you do not own or have rights to share;
- attempt to interfere with or bypass Site security or access controls;
- scrape, crawl, harvest, reverse engineer, or attempt to extract source code (except as allowed by law);
- introduce malware or attempt to disrupt the Site;
- use the Site to send spam or unsolicited communications; or
- use the Site in a way that could damage, disable, or impair our systems or services.
6) Communications, Calls/Text Messages, and Consent
By providing your contact information, you authorize Dream Loans to contact you about your inquiry and related services, including via phone, text message, or email.
Where required by law, marketing calls or texts using an autodialer and/or prerecorded or artificial voice will be sent only with your prior express written consent. Consent is not required to receive services.
You can opt out of marketing communications as described in our Privacy Policy (including replying STOP to texts, where applicable). Message and data rates may apply.
7) Electronic Records and Signatures (E-SIGN)
You agree that, where permitted by law, we may provide disclosures, notices, and communications electronically. If a law requires information to be provided “in writing,” we will obtain any required consumer consent consistent with the E-SIGN Act, including (as applicable) disclosures about paper copies and hardware/software requirements.
8) Intellectual Property
The Site and its content—including text, graphics, logos, design elements, and software—are owned by or licensed to Dream Loans and are protected by intellectual property laws.
You may use the Site for personal, non-commercial purposes. You may not copy, modify, distribute, sell, lease, or create derivative works from the Site content without our prior written permission, except as allowed by law.
9) Third-Party Links and Services
The Site may contain links to third-party websites or services (including social platforms or application portals). We do not control and are not responsible for third-party content, availability, security, or privacy practices. Your use of third-party sites is at your own risk.
10) Disclaimers
THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
We do not guarantee that the Site will be uninterrupted, error-free, or secure.
11) Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, DREAM LOANS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
To the extent permitted by law, our total liability for any claim related to the Site will not exceed $100.
12) Indemnification
You agree to defend, indemnify, and hold harmless Dream Loans from and against claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising from or related to your misuse of the Site, violation of these Terms, or violation of any law or third-party rights.
13) Dispute Resolution; Venue
Informal resolution first: Before filing a claim, you agree to contact us at [email protected] and allow 30 days to try to resolve the issue informally.
Forum: Unless you and Dream Loans agree otherwise, any dispute arising from these Terms or your use of the Site will be brought in the state or federal courts located in County of San Francisco, CA, and you consent to personal jurisdiction there.
14) Governing Law
These Terms are governed by the laws of California, without regard to conflict of laws rules.
15) Changes to These Terms
We may update these Terms from time to time. The “Effective Date” above indicates when the Terms were last updated. Your continued use of the Site after changes become effective means you accept the updated Terms.
16) Suspension or Termination
We may suspend or terminate access to the Site at any time if we believe you have violated these Terms or if needed to protect the Site, our users, or our business.
17) Contact
Dream Home Loans, Inc.
Phone: (323) 365-4662
Email: [email protected]
Accessibility Statement (WCAG 2.1 AA Target)
Last Updated: January 2026
Dream Loans is committed to providing a website that is accessible to the widest possible audience, including people with disabilities. We aim to align our website with generally recognized accessibility standards, including WCAG 2.1 Level AA.
Ongoing Efforts
We work to improve accessibility through ongoing review and remediation. Our efforts may include:
- testing keyboard navigation,
- reviewing screen reader compatibility,
- improving form labels, error messages, and focus states, and
- addressing issues identified through audits or user feedback.
Need Assistance or Want to Report an Issue?
If you have difficulty accessing any part of our website or need assistance with a loan inquiry, contact us:
Phone: (323) 365-4662
Email: [email protected]
Accessible contact form: [URL]
We will make reasonable efforts to respond within 7 business days and to provide an accessible alternative when feasible.
Third-Party Services
Some services (such as a secure third-party application portal) may be provided by third parties. If you encounter accessibility barriers within third-party services, contact us and we will work with you to provide an alternative pathway where feasible.