Terms of Service

Emerge Home Services, a California Corporation
Doing Business As: Emerge Home Loans, Emerge Real Estate, and Emerge Escrow Services, A Non-Independent Broker Escrow

Effective Date: April 16, 2026

1. Acceptance of Terms

By accessing or using this website, services, or communications provided by Emerge Home Services (“Company,” “we,” “us,” or “our”), you agree to be bound by these Terms of Service and all applicable laws and regulations.

If you do not agree, you should not use our services.

2. Description of Services

Emerge Home Services provides:

Mortgage brokerage services through Emerge Home Loans

Real estate brokerage services through Emerge Real Estate

Escrow services through Emerge Escrow Services, A Non-Independent Broker Escrow (California only)

Services may include consultation, loan origination assistance, property transactions, escrow coordination, and related services.

3. No Guarantee of Results

We do not guarantee:

Loan approval or specific loan terms

Interest rates or market conditions

Property availability or transaction outcomes

All services are subject to underwriting, market conditions, and third-party approvals.

4. Licensing & Regulatory Compliance

Emerge Home Services operates in compliance with applicable state and federal laws.

Mortgage services are subject to licensing under the Nationwide Multistate Licensing System (NMLS)

Real estate services are subject to California Department of Real Estate (DRE) regulations

Escrow services are provided as a non-independent broker escrow under California law

All services are provided only in jurisdictions where we are properly licensed.

5. User Responsibilities

By using our services, you agree to:

Provide accurate, complete, and truthful information

Promptly update any changes to your financial or personal situation

Cooperate with requests for documentation

Failure to do so may result in delays, denial of services, or termination of engagement.

6. Third-Party Services

We may work with or refer you to third parties, including:

Lenders

Title companies

Appraisers

Credit reporting agencies

Insurance providers

We are not responsible for the actions, services, or outcomes of third parties.

7. Communication Consent (A2P / TCPA Compliance)

By providing your contact information, you consent to receive:

Calls, emails, and text messages from us

Automated or prerecorded communications where permitted by law

Message and data rates may apply.
You may opt out at any time by following provided instructions (e.g., replying “STOP” to text messages).

8. No Legal or Tax Advice

Information provided by Emerge Home Services is for general informational purposes only and does not constitute:

Legal advice

Tax advice

Financial planning advice

You should consult appropriate licensed professionals for those matters.

9. Intellectual Property

All content on this website, including:

Text

Graphics

Branding

Marketing materials

is the property of Emerge Home Services and may not be copied, distributed, or used without written permission.

10. Limitation of Liability

To the fullest extent permitted by law, Emerge Home Services shall not be liable for:

Indirect, incidental, or consequential damages

Loss of profits, data, or opportunity

Delays caused by third parties or market conditions

Your use of our services is at your own risk.

11. Indemnification

You agree to indemnify and hold harmless Emerge Home Services from any claims, damages, or liabilities arising from:

Your misuse of services

Your violation of these Terms

Inaccurate or incomplete information you provide

12. Privacy

Your use of our services is also governed by our Privacy Policy.
We are committed to protecting your personal information in accordance with applicable laws, including GLBA where applicable.

13. Termination

We reserve the right to:

Refuse service

Terminate access

Cancel engagements

at our discretion, particularly in cases of non-compliance or misrepresentation.

14. Governing Law

These Terms shall be governed by the laws of the State of California.

Any disputes shall be resolved in the appropriate courts located within California.

15. Changes to Terms

We may update these Terms at any time.
Continued use of our services constitutes acceptance of any changes.

16. Contact Information

Emerge Home Services
[Insert Business Address]
Phone: (760) 800-0701
Email: [email protected]