Effective Date: April 22, 2026
Last Updated: April 22, 2026
These Terms of Service (“Terms”) govern your use of the website homeloansbykaryn.com (the “Site”), operated by Karyn Weger, NMLS #331142 (“we,” “us,” or “our”). By accessing or using this Site, you agree to be bound by these Terms. If you do not agree, please do not use this Site.
1. About Our Services
Home Loans by Karyn provides mortgage loan origination services in the state of California. Karyn Weger is a licensed mortgage loan originator, NMLS #331142, licensed by the California Department of Financial Protection and Innovation (DFPI).
The information on this Site is provided for general informational purposes and does not constitute a commitment to lend, a loan approval, or a guarantee of any specific loan terms, rates, or availability. All loan applications are subject to credit approval, underwriting review, and applicable lending guidelines.
2. Not Financial or Legal Advice
Nothing on this Site constitutes financial, legal, tax, or investment advice. Mortgage rates, loan programs, and eligibility requirements change frequently. You should not make financial decisions based solely on information found on this Site. We encourage you to consult with qualified financial and legal professionals regarding your specific situation.
3. Accuracy of Information
We make reasonable efforts to keep the information on this Site current and accurate. However, we make no warranties or representations, express or implied, regarding the completeness, accuracy, or timeliness of any content on this Site. Mortgage rates and program details shown are for illustrative purposes only and are subject to change without notice.
4. Use of This Site
You agree to use this Site only for lawful purposes and in a manner that does not infringe the rights of others. You agree not to:
- Use the Site for any fraudulent or unlawful purpose
- Attempt to gain unauthorized access to any part of the Site or its related systems
- Transmit any harmful, offensive, or disruptive content through the Site
- Use automated tools to scrape, crawl, or harvest data from the Site
- Impersonate any person or entity in connection with use of this Site
5. Email Communications
By providing your email address to us — whether through a contact form, in person, or through a professional relationship — you acknowledge that we may send you mortgage-related information, rate updates, and market commentary. Every marketing email we send includes an unsubscribe option. You may opt out at any time.
We comply with the CAN-SPAM Act. Our emails will always identify us clearly, include our physical or electronic contact information, and provide a clear mechanism to opt out of future communications.
6. Intellectual Property
All content on this Site — including text, graphics, logos, and images — is owned by or licensed to Home Loans by Karyn and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works from any content on this Site without our express written permission.
7. Third-Party Links
This Site may contain links to third-party websites for your convenience. We do not control those sites and are not responsible for their content, privacy practices, or terms. Linking to a third-party site does not imply our endorsement of that site.
8. Disclaimer of Warranties
This Site and its content are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied. We disclaim all warranties including, without limitation, implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
9. Limitation of Liability
To the fullest extent permitted by applicable law, Home Loans by Karyn and Karyn Weger shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this Site or its content, even if we have been advised of the possibility of such damages.
10. Privacy
Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices.
11. Regulatory Compliance
Our mortgage services are subject to extensive federal and California state regulation, including but not limited to the Real Estate Settlement Procedures Act (RESPA), the Truth in Lending Act (TILA), the Equal Credit Opportunity Act (ECOA), the Fair Housing Act, and regulations of the California Department of Financial Protection and Innovation. Nothing in these Terms limits our obligations under applicable law.
12. Changes to These Terms
We reserve the right to update these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.
13. Governing Law
These Terms are governed by the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts located in California.
14. Contact Us
If you have questions about these Terms, please contact us:
Karyn Weger
Home Loans by Karyn
NMLS #331142
Licensed in California
Email: karyn@homeloansbykaryn.com
Website: homeloansbykaryn.com
Karyn Weger is a licensed mortgage loan originator. NMLS #331142. Licensed by the California Department of Financial Protection and Innovation. Equal Housing Opportunity.