Terms & Conditions

Welcome to Truax Mortgage Consulting. By using this website and the services offered here, you agree to these Terms & Conditions. Please read them carefully. If you don't agree, please don't use the site.

1About Our Services

Truax Mortgage Consulting is a mortgage brokerage led by Brighton Truax, Branch Manager. We are a broker — not a bank or lender. We work on your behalf across a network of wholesale lenders to help you compare and arrange financing. Loans are originated through West Capital Lending and our lending partners.

Nothing on this site is an offer or commitment to lend, to extend credit, or to lock a rate. All loans are subject to credit approval, underwriting, property appraisal, and program guidelines, and any terms shown are estimates that can change.

2Informational Only — Not Advice

Content on this site is provided for general information about mortgage products and the lending process. It is not financial, legal, tax, or investment advice, and it shouldn't be relied on as a substitute for advice from a qualified professional who knows your specific situation. Rates, programs, and figures are subject to change without notice and may not reflect what you ultimately qualify for.

3Eligibility

You must be at least 18 years old and able to enter a binding agreement to use our services. By using the site, you confirm that the information you provide is accurate and that you're authorized to provide it.

4Communications Consent

5Licensing & Equal Opportunity

Brighton Truax (NMLS #1526455, DRE #02440742) operates under Company NMLS #1566096. We are committed to the letter and spirit of the Equal Housing Opportunity policy and the Fair Housing Act — we do business in accordance with federal fair lending laws and do not discriminate on any prohibited basis. You can verify our licensing through NMLS Consumer Access.

6Intellectual Property

The content, branding, logos, text, and design on this site are owned by or licensed to Truax Mortgage Consulting and are protected by applicable laws. You may view and use the site for your personal, non-commercial purposes, but you may not copy, reproduce, or republish our content without permission.

7Third-Party Links & Tools

Our site may link to lender portals, application tools, review platforms, and other third-party resources. We don't control those sites and aren't responsible for their content, accuracy, or practices. Your use of them is governed by their own terms and privacy policies.

8Disclaimers

The site is provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties, express or implied, including accuracy, reliability, fitness for a particular purpose, and uninterrupted or error-free operation. We don't warrant that any loan program, rate, or outcome will be available to you.

9Limitation of Liability

To the fullest extent permitted by law, Truax Mortgage Consulting and its team will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of — or inability to use — this site or our services. Where liability cannot be excluded, it is limited to the maximum extent permitted by law.

10Governing Law

These terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules. Any dispute relating to the site or these terms will be subject to the jurisdiction of the state and federal courts located in California.

11Changes to These Terms

We may update these Terms & Conditions from time to time. Changes take effect when posted, and we'll update the "Last updated" date above. Your continued use of the site after changes means you accept the revised terms.