Effective: September 28, 2026
Acceptance of these terms
These Terms of Use govern your access to and use of this website. By using the site, you agree to these terms and our Privacy Policy. If you do not agree, do not use the site.
General information only
Website content is provided for general informational and educational purposes. It is not a loan application, commitment to lend, loan approval, preapproval, rate lock, financial plan, appraisal, legal advice, tax advice or accounting advice. You should consult qualified advisers about your circumstances.
Financing information
Programs, rates, fees, payments, terms, eligibility and availability may change without notice and vary by borrower, property, transaction, lender and market conditions. Examples and calculators are estimates only. An actual offer or approval requires a complete application, supporting documentation, underwriting, applicable disclosures and a written decision by the lender. Nothing on this site guarantees approval, savings, a particular rate or closing timeline.
Applications and electronic communications
Submitting an inquiry does not create a broker-client, fiduciary or lending relationship and does not obligate either party to proceed. Secure application services may be provided by a third party and may be subject to additional terms and privacy notices. Do not send sensitive financial information through general website forms or ordinary email.
Permitted use
You may use this site for lawful, personal and noncommercial purposes related to learning about or requesting Fenero’s services. You may not interfere with the site, attempt unauthorized access, introduce malicious code, collect information through automated means without permission, impersonate another person, or use the site in violation of law.
Intellectual property
The site and its text, graphics, logos, design and other content are owned by or licensed to Fenero Capital and are protected by applicable intellectual-property laws. You may view and print reasonable portions for personal use. No other reproduction, modification, distribution or commercial use is permitted without prior written consent.
Third-party links
Links to lender, application, scheduling, government or other third-party websites are provided for convenience. Fenero does not control and is not responsible for their content, availability, security or privacy practices. A link does not necessarily imply endorsement.
Disclaimer of warranties
To the fullest extent permitted by law, the site is provided “as is” and “as available.” Fenero disclaims warranties of merchantability, fitness for a particular purpose, title and noninfringement, and does not warrant that the site will be uninterrupted, error-free or free of harmful components. Some jurisdictions do not allow certain warranty exclusions, so portions of this section may not apply to you.
Limitation of liability
To the fullest extent permitted by law, Fenero and its officers, employees and service providers will not be liable for indirect, incidental, special, consequential or punitive damages arising from use of, or inability to use, the site. Nothing in these terms excludes liability that cannot legally be limited or excluded.
Equal housing and licensing
Fenero supports equal housing opportunity. Financing is subject to applicable federal and state law, licensing, lender guidelines and eligibility requirements. Licensing information is available on our Licensing page and through NMLS Consumer Access .
Changes, governing law and severability
We may update the site and these terms from time to time. Updated terms apply when posted, as shown by the effective date. These terms are governed by the laws of the State of California, without regard to conflict-of-law rules. If a provision is found unenforceable, the remaining provisions remain in effect.
Contact
Questions about these terms may be directed to Fenero Capital, Inc., 1475 N Broadway, Suite 330, Walnut Creek, CA 94596; info@fenerocapital.com; or 925-238-8369.
SMS Terms & Conditions
Effective October 20, 2026. Fenero Capital, Inc. offers optional text messaging to clients and real estate professionals. With your separate consent, service messages may include inquiry responses, loan status updates, appointment reminders, document request notifications and closing updates. With your marketing consent, recurring automated marketing texts may include mortgage program information, market updates and invitations to discuss financing.
You choose each message category separately. Neither checkbox is required to submit an inquiry or obtain services. Consent is not a condition of purchase. Message frequency varies. Message and data rates may apply.
Reply STOP to unsubscribe. You may receive a final confirmation of your opt-out. Reply HELP for help, email info@fenerocapital.com or call 925-238-8369. Contact us if you change or give up your telephone number. Carriers are not liable for delayed or undelivered messages.
See our Privacy Policy for how we handle messaging information. Please use your secure loan portal for sensitive documents or account information.