These Terms & Licensing (“Terms”) govern your use of the Hess Mortgages website and services. By accessing this website, you agree to these Terms.

Mortgage & Licensing Disclosure

Hess Mortgages is a marketing brand of Solidify Mortgage Advisors.

Licensing Information

Andy Hess
Mortgage Loan Originator
NMLS #1791379
DRE #02051920

Solidify Mortgage Advisors
NMLS #1283930

Licensed by the California Department of Financial Protection and Innovation. Equal Housing Lender.

No Financial or Legal Advice

Information provided on this website is for informational purposes only and should not be considered legal, tax, financial, or mortgage advice.

Mortgage rates, loan programs, terms, and availability are subject to change without notice and may vary based on borrower qualifications.

You should consult qualified financial, legal, and tax professionals regarding your specific circumstances.

No Guarantee of Loan Approval

Submission of information through this website does not guarantee:

• Loan approval
• Interest rates
• Loan terms
• Qualification eligibility
• Funding availability

All mortgage applications are subject to underwriting review, credit approval, income verification, appraisal requirements, and applicable lending guidelines.

Equal Housing Opportunity

We are committed to fair lending practices and comply with all applicable federal and state fair housing laws.

We do not discriminate on the basis of:

• Race
• Color
• Religion
• National origin
• Sex
• Marital status
• Disability
• Familial status
• Age
• Receipt of public assistance
• Any other protected class under applicable law

Website Use

You agree not to:

• Use the website for unlawful purposes
• Attempt unauthorized access to systems or data
• Submit false or misleading information
• Interfere with website functionality or security

We reserve the right to restrict or terminate access for misuse.

Intellectual Property

All website content, including text, graphics, branding, logos, and design elements, are the property of Hess Mortgages and/or Solidify Mortgage Advisors unless otherwise stated.

Unauthorized reproduction or distribution is prohibited.

Third-Party Services

This website may integrate or link to third-party systems including:

• Mortgage application portals
• Scheduling platforms
• CRM systems
• Analytics providers
• Advertising platforms

We are not responsible for the functionality, security, or policies of third-party services.

Limitation of Liability

To the fullest extent permitted by law, Hess Mortgages and Solidify Mortgage Advisors are not liable for damages arising from:

• Use of this website
• Reliance on website information
• Service interruptions
• Inaccuracies or omissions
• Unauthorized access to transmitted data

Governing Law

These Terms shall be governed by applicable federal laws and the laws of the State of California, without regard to conflict of law principles.

Contact Information

Hess Mortgages
A marketing brand of Solidify Mortgage Advisors

https://www.andyjhess.com

Andy Hess
Mortgage Loan Originator
NMLS #1791379
DRE #02051920

Solidify Mortgage Advisors
NMLS #1283930
Licensed by the California Department of Financial Protection and Innovation
Equal Housing Lender