Terms & Conditions
Effective Date: January 1, 2025
Company Name: Best Loan Partners
Broker of Record: Penny Jeffery Janich
DRE License #: 01860547 | CA DRE #02022032
NMLS ID #: 2029457 | Company NMLS #: 2326894
DFPI #: 176236
1. General Information
Best Loan Partners is a California-based mortgage brokerage that assists clients in obtaining residential and
commercial financing. By engaging with our services, you agree to these Terms and Conditions, which
govern your use of our services, website, and communications.
2. Loan Origination Services
Best Loan Partners offers mortgage origination services for residential and commercial real estate, including:
- Home purchase loans
- Refinance loans
- Conventional, FHA, VA, Jumbo, and Non-QM loans
- Bridge and hard money loans (as applicable)
We work with a network of wholesale lenders to find suitable loan products for our clients based on their
financial profiles and goals.
3. Disclosure and Compliance
- We operate in compliance with federal and California lending laws, including RESPA, TILA, and
Dodd-Frank.
- We will provide all federally required disclosures such as the Loan Estimate (LE) and Closing Disclosure
(CD) in a timely manner.
- Your credit report will not be pulled without your written or electronic consent.
4. Broker Fees
- Best Loan Partners may receive compensation from the lender and/or borrower, disclosed on the LE and
CD.- Broker compensation may vary based on the loan product and lender. In most cases, borrowers are not
charged directly unless explicitly agreed upon.
- If any additional fees are charged by Best Loan Partners, they will be outlined in the Mortgage Loan
Origination Agreement, signed prior to loan processing.
5. Client Responsibilities
By working with Best Loan Partners, you agree to:
- Provide complete and accurate information during the loan application process.
- Respond to document requests in a timely manner.
- Notify your loan officer of any changes in your financial status during the loan process.
6. Confidentiality and Data Security
We take the privacy of your personal and financial information seriously. Your information will only be shared
with third parties as necessary to process your loan application and as permitted by law.
7. No Guarantee of Loan Approval
Loan approval is subject to underwriting guidelines, lender requirements, and verification of the information
provided. Best Loan Partners does not guarantee loan approval, interest rate, or terms until final lender
approval is granted.
8. Third-Party Services
Our company may refer or connect you with third-party service providers such as escrow companies,
appraisers, or insurance agents. While we strive to work with reputable providers, we are not liable for their
services.
9. Limitation of Liability
Best Loan Partners is not liable for any indirect, incidental, or consequential damages resulting from the use
of our services or delays in the loan process caused by third parties or circumstances beyond our control.
10. Termination of Services
Either party may terminate the loan process at any time prior to closing. Any fees paid for third-party services
(e.g., appraisals, credit reports) are non-refundable.11. Modifications to Terms
Best Loan Partners reserves the right to update these Terms and Conditions at any time. Updates will be
posted on our website and/or provided in writing to clients when applicable.
12. Contact Information
Best Loan Partners
Corona Branch | 1101 California Ave Ste 101, Corona, CA 92881
Orange County Branch | 2004 Yale St Suite A Santa Ana, CA 92704
Email: jefferyregroup@gmail.com
Website: bestloanpartners.com