Terms and Conditions for BrightGate Mortgage

Effective Date: October 22, 2025

Welcome to BrightGate Mortgage! By accessing or using our website and services, you agree to comply with the following Terms and Conditions.

1. Acceptance of Terms

By using our website or services, you acknowledge that you have read and agree to these Terms and Conditions, as well as all applicable laws and regulations. If you do not agree, please discontinue use of our services immediately.

2. Services Provided

BrightGate Mortgage offers home loans, refinancing options, and related mortgage services. Our goal is to guide you toward the right financial solution that fits your needs and circumstances.

3. Eligibility

To apply for a mortgage, you must:

  • Be at least 18 years old, and

  • Have a valid Social Security Number or Tax Identification Number.

By submitting an application, you confirm that you meet these eligibility requirements and that all information provided is accurate and complete.

4. Application Process

  • All mortgage applications are subject to review and approval.

  • You agree to provide truthful and complete information during the application process.

  • BrightGate Mortgage reserves the right to deny any application at its sole discretion.

5. Interest Rates and Fees

Interest rates and fees vary based on multiple factors, including credit score, loan amount, and property type. All applicable rates and fees will be clearly disclosed prior to loan approval.

Refinancing an existing loan may increase the total finance charges paid over the life of the loan.

6. Privacy Policy

Your personal information is protected under our Privacy Policy. We encourage you to review it to understand how your data is collected, used, and safeguarded.

7. Communication

By providing your contact details, you consent to receive communications from BrightGate Mortgage, including emails, phone calls, and text messages. You may opt out of marketing communications at any time by following the provided unsubscribe instructions.

8. Limitation of Liability

BrightGate Mortgage is not responsible for any indirect, incidental, or consequential damages arising from your use or inability to use our website or services. Our liability is limited to the fullest extent permitted by law.

9. Changes to Terms

BrightGate Mortgage reserves the right to update or modify these Terms and Conditions at any time. Updates will be posted on our website, and continued use of our services after changes are posted constitutes acceptance of the revised terms.

10. Contact Information

If you have any questions about these Terms and Conditions or our practices, please contact us:

BrightGate Mortgage
940 Calle Negocio Suite 240
San Clemente, CA 92673
chad@brightgatemortgage.com
949-732-1502

By using our website or services, you acknowledge that you have read, understood, and agree to these Terms and Conditions.