Terms of Service & SMS Terms
Effective Date: January 1, 2026 · Last Updated: September 2026
Business Identity: Mortgage Loans With Joanna DBA Mortgage Loans With Joanna (NMLS #2198421)
Carrier-Required SMS Messaging Terms & Disclosures
Opt-Out & Support Mechanism: “You can cancel the SMS service at any time. Just text “STOP” to the (949) 524-8830. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again. If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at joanna@mortgageloanswithjoanna.com or (949) 524-8830.”
Carrier Liability Clause: “Carriers are not liable for delayed or undelivered messages.”
Message Frequency Clause: “As always, message and data rates may apply for any messages sent to you from us and to us from you. You will receive message frequency that varies depending on your active loan inquiries and appointment requests. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.”
Privacy Policy Reference: “If you have any questions regarding privacy, please read our privacy policy: https://mortgageloanswithjoanna.com/privacy-policy”
1. Agreement to Terms
By accessing or using this website, submitting an inquiry, or communicating with Mortgage Loans With Joanna DBA Mortgage Loans With Joanna, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must discontinue use of the website and services.
2. Mortgage Brokerage Services in California
Mortgage Loans With Joanna DBA Mortgage Loans With Joanna provides mortgage brokerage and loan origination services in California under NMLS #2198421 and DRE #02148903. We originate and broker Conventional, FHA, USDA, Non-QM, Down Payment Assistance, Second Mortgages, Cash-Out Refinances, HELOCs, and DSCR investor loan programs.
Information published on this website does not constitute a commitment to lend or an official loan estimate. All loan approvals, interest rates, points, and program qualifications are subject to full underwriting review, property appraisal, borrower credit, and investor guidelines.
3. User Representation & Eligibility
By submitting an inquiry or application, you represent that you are at least 18 years of age and that all information provided is accurate, true, and complete. Submitting false information in connection with a mortgage loan is a violation of federal law.
4. Equal Housing Opportunity
We conduct business in accordance with the Federal Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, familial status, marital status, age, or sexual orientation.
5. Limitation of Liability & Disclaimers
The materials on this website are provided on an “as is” basis for informational purposes. Mortgage rates and guidelines fluctuate daily without notice. While we strive to provide accurate calculations and program criteria, we make no warranties, expressed or implied, regarding website uptime or market changes.
6. Contact Information
Mortgage Loans With Joanna DBA Mortgage Loans With Joanna
400 Spectrum Center Drive, Suite 1900, Irvine, CA 92618
(949) 524-8830
joanna@mortgageloanswithjoanna.com
NMLS #2198421 · DRE #02148903