Please read these terms carefully before using our website or services.
By accessing or using this website, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree with any part of these terms, please do not use this website. These terms apply to all visitors, users, and others who access or use the site.
This website is provided for informational and educational purposes only. The content on this site does not constitute a commitment or offer to lend, nor does it represent financial, legal, or tax advice. Information presented here may not reflect current rates, terms, or availability.
You agree to use this website only for lawful purposes and in a manner that does not infringe on the rights of others or restrict their use of the site. You may not attempt to gain unauthorized access to any portion of the website, its systems, or networks.
All mortgage loan products and services described on this website are subject to credit approval, underwriting guidelines, and applicable regulations. Specific terms, conditions, interest rates, and fees may vary based on your individual financial situation, property type, and market conditions.
This website may contain links to third-party websites, including our application portal, lending partners, and other resources. These links are provided for your convenience and do not imply endorsement, sponsorship, or responsibility for the content, policies, or practices of those third-party sites. We are not responsible for the accuracy, privacy practices, or content of external websites. We encourage you to review the terms and privacy policies of any third-party site you visit.
This website and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. To the fullest extent permitted by law, Pacific Trust Mortgage disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the website will be uninterrupted, error-free, secure, or free of viruses or other harmful components.
To the maximum extent permitted by applicable law, Pacific Trust Mortgage and its officers, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of or inability to use this website, including but not limited to damages for loss of profits, data, or other intangible losses, even if we have been advised of the possibility of such damages.
All content on this website, including text, graphics, logos, images, and software, is the property of Pacific Trust Mortgage or its content providers and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works from any content on this website without prior written consent.
Pacific Trust Mortgage is committed to the letter and spirit of the federal Equal Credit Opportunity Act (ECOA) and the Fair Housing Act (FHA). We provide equal lending opportunities regardless of race, color, religion, national origin, sex, familial status, disability, marital status, age, sexual orientation, gender identity, or any other characteristic protected by federal, state, or local law. If you believe you have been discriminated against, you may file a complaint with the U.S. Department of Housing and Urban Development (HUD) or the Consumer Financial Protection Bureau (CFPB).
These Terms of Service shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising under or in connection with these terms shall be subject to the exclusive jurisdiction of the courts located in San Luis Obispo County, California.
We reserve the right to modify these Terms of Service at any time. Changes will be effective when posted on this page with an updated "Last Updated" date. Your continued use of the website after any changes constitutes your acceptance of the revised terms. We encourage you to review these terms periodically.
If you have questions about these Terms of Service, please contact us:
Ryan Van Til, Mortgage Advisor
Pacific Trust Mortgage
735 Tank Farm Rd, Suite 210, San Luis Obispo, CA 93401
Email: ryan@pactm.com
Phone: (805) 801-1380
Last Updated: March 2026