Legal

Terms of Service

Last updated: June 19, 2026

These Terms of Service ("Terms") govern your use of chanceatfinance.com (the "Site") and any informational content, forms, quizzes, calculators, newsletters, emails, or scheduling tools provided by Chance Stevens ("I," "me," or "my"), a Mortgage Loan Originator licensed through American Family Funding, a division of American Pacific Mortgage Corporation ("AFF/APM," NMLS #1850). By using the Site, you agree to these Terms.

Plain-English summary. This site is informational. Nothing here is a loan application, a pre-approval, or a commitment to lend. Any loan decisions are governed by separate disclosures and agreements you receive during a formal application with AFF/APM. Use the Site legally, don't misrepresent yourself, and understand that rates and programs change.

1. Nature of Services

The Site provides informational and educational content related to mortgage financing, refinancing, new construction lending, and related real estate topics. The tools, forms, and quizzes on this Site are intended to help you understand options and communicate with me — they are not loan applications, pre-qualifications, or commitments to lend.

No loan, rate, or program is guaranteed by your use of the Site.
Any pre-qualification or pre-approval requires a formal application, credit verification, and underwriting review governed by AFF/APM.
Rates, terms, and programs change without notice.

2. Licensing Disclosure

Chance Stevens is a licensed Mortgage Loan Originator in the State of California, NMLS ID #2529600, and a California Real Estate Salesperson, DRE #02245979. All mortgage services are offered through American Family Funding, a division of American Pacific Mortgage Corporation, NMLS #1850. You can verify licensing at nmlsconsumeraccess.org. Real estate brokerage services are provided through Santa Clarita New Home Center, Inc., CA DRE# 02227167, where Chance Stevens is a licensed salesperson (CA DRE# 02245979). American Family Funding and Santa Clarita New Home Center, Inc. are separate companies. Equal Housing Lender / Equal Housing Opportunity.

3. Eligibility

You must be at least 18 years old and legally able to enter into a contract to use this Site or submit any form. By submitting information, you represent that the information you provide is accurate and that you are authorized to provide it.

4. Acceptable Use

You agree not to:

Submit false, misleading, or fraudulent information through any form or communication.
Use the Site to violate any law, regulation, or the rights of any person.
Attempt to gain unauthorized access to the Site, its systems, or the underlying systems.
Interfere with the operation of the Site, including by sending automated traffic, scraping, or injecting malicious code.
Use the Site to harass, impersonate, or solicit others without permission.

5. Communications Consent

By submitting a form, providing your contact information, or otherwise engaging with my services, you consent to receive communications from me by email (and by phone only if you voluntarily provide a number — no automated or marketing text messages are sent). Consent is not a condition of any purchase or loan. You may opt out at any time using the one-click unsubscribe link in any email, or by emailing me directly. Details on how your information is handled are in the Privacy Policy.

6. Third-Party Content and Links

The Site may reference or link to third-party websites, tools, or content (e.g., nmlsconsumeraccess.org, calculators, educational resources). I do not control and am not responsible for third-party content or practices.

7. Intellectual Property

The content on the Site — including copy, graphics, logos, and layout — is owned by me or my licensors and is protected by copyright, trademark, and other laws. You may view and share content for personal, non-commercial use. Republishing, reselling, or scraping content for commercial use requires written permission.

8. Disclaimers

The Site and all content are provided "as is" and "as available" without warranty of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. I do not warrant that the Site will be uninterrupted, error-free, or that any particular rate, program, or outcome will be available to you.

Nothing on the Site constitutes legal, tax, accounting, or investment advice. Always consult qualified professionals for advice specific to your situation.

9. Limitation of Liability

To the fullest extent permitted by law, I am not liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of the Site or any content, including lost profits, lost opportunities, or damages resulting from reliance on information provided on the Site. My total liability for any claim relating to the Site will not exceed one hundred dollars ($100).

10. Indemnification

You agree to indemnify and hold harmless Chance Stevens, AFF/APM, and their affiliates from any claim, loss, or expense (including reasonable attorneys' fees) arising out of your violation of these Terms, your misuse of the Site, or your submission of false or misleading information.

11. Governing Law and Venue

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles. Any dispute arising under these Terms will be resolved exclusively in the state or federal courts located in Los Angeles County, California, unless applicable law requires otherwise.

12. Changes to These Terms

I may update these Terms at any time. The "Last updated" date at the top reflects the most recent change. Continued use of the Site after changes constitutes acceptance of the updated Terms.

13. Contact

Questions about these Terms:

Chance Stevens
Mortgage Loan Originator · NMLS# 2529600
American Family Funding · 25101 The Old Rd #200, Santa Clarita, CA 91381
Phone: (661) 284-1150
Email: chanceatfinance@gmail.com

This document is provided for informational purposes and is not legal advice.