This website is owned and operated by United Real Estate Capital Corporation, 30211 Avenida del las Banderas, Rancho Santa Margarita, CA 92688, which may be referred to as "United Real Estate Capital" or "We" or "Us" or "Our" or "Corporation".

Terms and Conditions

You agree that:

  1. You will only access or use this website and transact business with Us if you are at least 18 years old.
  2. You will comply with and be bound by these Terms of Use as they appear on this website each time you access and use this website.
  3. You will not use or attempt to use this website for any purpose other than conducting mortgage related business with Us.
  4. You will not use or attempt to use this website or any part of this site that is any way unlawful or prohibited.
  5. You will not transmit any advertisements, solicitations, schemes, spam, flooding, or other unsolicited Email.
  6. You will not transmit computer codes or viruses that harvests data from this site or that transmits unsolicited data to this site or that interferes with our network services or attempts to gain unauthorized access to our network services.
  7. You will not unlawfully misrepresent your affiliation with any person or entity that harms minors in any way, including, but not limited to, transmitting or uploading content that violates child pornography laws, child sexual exploitation laws and laws prohibiting the depiction of minors engaged in sexual conduct; that transmits or uploads pornographic, violent, obscene, sexually explicit, discriminatory, hateful, threatening, abusive, defamatory, offensive, harassing, or otherwise objectionable content or images.
  8. You will not transmit images that harm, threaten, harasses, abuse or intimidate another person in any way or content that depicts, promotes, encourages, indicates, advocates, or tends to incite the commission of a crime or other unlawful activities; that dilutes or depreciates the name and reputation of United Real Estate Capital Corporation.
  9. You will not transmit or upload content or images that infringe any third party's intellectual property rights or infringes any third party's right of privacy, or that unlawfully transmit or upload any confidential, proprietary or trade secrets.

Equal Opportunity
United Real Estate Capital Corporation believes in equal opportunity for all. The Corporation does not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or if part or all of your income is derived from a public assistance program.

United Real Estate Capital Corporation uses email as a quick and convenient way to communicate with our clients, vendors, and others.  We have adopted the following terms and conditions that apply to all emails sent, received, archived, deleted, or otherwise, that reside on the servers we use.  Our communications with you via email are conditioned upon your agreement to these terms and conditions:

Official Communications vs Email
Email alone may not accurately reflect the complete communication or intent of United Real Estate Capital Corporation nor constitute an official business record of the corporation. All official matters should be confirmed in signed writings. The mere receipt of an email by the corporation may not put the corporation on notice, timely or otherwise, of the matters contained within that email.  Additionally, the corporation may communicate through multiple channels such as telephone, fax, voicemail, letters, and upon consent, text messages.  The full nature of a subject matter may be communicated via several channels.  Emails from our Company do not contain or constitute an electronic signature. Email communications are not intended to be construed against the Company as an agreement to lock your rate or to lend - documents and agreements like these are generally sent to clients in formal signed writings.


Website Email Communications
You may receive emails that confirm specific actions that you requested if you apply on or create a profile on our website. This may include notifications confirming your successful registration or verification. These are transactional notifications that are not used for marketing purposes. You may not opt out of these transactional notifications.  You may receive a user survey requesting feedback regarding your experience with our website. The completion of these surveys is strictly voluntary and play no impact on the level of a service that you will receive from our corporation.


Employee Email Communications
Emails – including their attachments - sent by our employees are confidential and are to be disclosed to only the individual or entity to whom they are addressed and intended. If you receive an email in error or if it was improperly forwarded to you, the information contained in the email should remain confidential and such circumstances shall not authorize you to use or disclose the confidential information. Please notify the sender immediately and delete or destroy the original and any copies. Any unauthorized use, disclosure, reproduction, or distribution is strictly prohibited. Emails marked as "Confidential" contain confidential and/or proprietary information that is disclosed under the condition that you treat and maintain such information strictly in a confidential manner and in compliance with applicable state and federal privacy laws and that you ensure such information is not disclosed or used by others, except for the limited and confidential purpose for which it is being provided. By accepting and reviewing confidential information provided by United Real Estate Capital Corporation, you agree to indemnify and hold the Corporation harmless against all claims, losses, liabilities, or expenses, including attorney's fees that the Corporation may incur as a result of the unauthorized use or disclosure of confidential information due to your acts or omissions.  If you are not the intended recipient of privileged information, please notify the sender immediately by telephone or email and delete the original and any copies. Unauthorized use, disclosure, reproduction, or distribution of confidential or privileged information is strictly prohibited.


You should never share your password with anyone even if you receive an email from United Real Estate Capital Corporation that requests you to disclose your password.  If you should receive an email from us requesting disclosure of your password, you should contact us immediately.


Urgent Matters
Urgent matters should be communicated directly with the person of concern via telephone, then may be confirmed in writing with the appropriate person via email. The Corporation reserves the right to block any email source it deems inappropriate; our spam filters and virus protection measures may delay or otherwise reject email.


Business use of email
The Corporation's email system may only be used for conducting business with United Real Estate Capital Corporation. Our emails may not be used for any other purpose. The receipt of an email from our corporation or employees does not give consent to use that email or any information within that email for marketing purposes or any other matters. Use of this information is strictly prohibited.

United Real Estate Capital Corporation cannot provide absolute assurances that all email transmissions are secure, error free, not corrupted, incomplete, or virus free.  Additionally, we cannot guarantee that emails will not be lost, misdelivered, destroyed, delayed, or intercepted by others. The Corporation disclaims all liability from corrupted, lost, destroyed, delayed, incomplete, misdelivered, intercepted, decrypted, or misappropriated emails. United Real Estate Capital Corporation disclaims all responsibility, including responsibility based on negligence or negligent misstatement, for the accuracy, completeness, or reliability of data or information contained in or furnished through email and the Corporation makes no warranties, express or implied, with respect to such data or information.


Safeguarding your information and systems
Security of information transmitted through emails could be undermined by people who have access to your email account. You might consider restricting access to this email account while transacting business with us.  Also consider limiting or restricting the use of your cell phone, tablet, computer, or any other device used to access your email by other persons.  You are also responsible for safeguarding your personal information from scammers that employ tactics such as Phishing to gain access to data that could compromise the security of your personal accounts.  Read emails carefully to ensure they are authentic and not from scammers.  It is the recipient's responsibility to ensure that any email they open is virus free.  We do consider our emails to be free of viruses and other malicious software, however, United Real Estate Capital Corporation is not responsible for any loss or damage arising in any way from the receipt, use, storage, or transmission of our emails.  Know that viruses can be transmitted via email through content, attachments, and embedded links.  The Corporation offers no guarantee or warranty that emails are virus and default free. Those intending to use email to introduce viruses or malicious programs into our computer networks will be fully prosecuted.


Your Privacy Really Matters
United Real Estate Capital Corporation uses the information that you provide to fulfill your request for information or financing.  The information is not used for marketing purposes and is saved only for the period of time necessary to meet state and/or federal records retention requirements.  We have no need or desire to track your online activities outside of our website.  Tools such as Cookies may be used during your visit to our website to enhance your experience only.  We may receive email addresses of the site visitors who contact us via our website with questions about or company, products, and operations.  These addresses are used to respond to such inquires and are not stored.


All Rights Reserved
United Real Estate Capital Corporation reserves all rights as to the Corporation’s email content. No part of the Corporation’s email may be reproduced, published, or distributed in any manner without the express consent of the Corporation.


Links to other Websites
The United Real Estate Capital Corporation website may provide links to other websites.  The Corporation does not endorse, approve, sponsor, or control any of the content, services, calculations, information, products, or materials available at or through any websites to which this website may provide a link.  By using this website, you acknowledge and agree that United Real Estate Capital Corporation will not be responsible or liable to you or any other person for any damages or claims that might result from your use of such content, services, calculation, information, products, or materials.  Furthermore, United Real Estate Capital Corporation is not responsible for the information practices employed by sites linked to or from our website. Links to outside websites are provided solely as an access point to obtain information on products and topics that may be useful to the users of our website, in many cases. Third party websites may have different privacy policies and/or security standards governing their sites.


Our website content is provided as-is and without warranties of any kind, either express or implied. United Real Estate Capital refutes all warranties, express or implied, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. The Corporation makes no representation or warranty regarding the web page content or its use thereof. The content available through this website could include inaccuracies or typographical errors and could become inaccurate because of developments occurring after their respective dates of preparation or publication. The Corporation has no obligation to maintain the currency or accuracy of any web page content on or available through this website.  You acknowledge and agree that United Real Estate Capital is not, and shall not be, responsible for the results of any defects that may exist in this website or its operation.  We expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability and fitness for a particular purpose, and make no representation or warranty that:

  1. The operation of this website will meet your or any other user's requirements.
  2. Access to the website will be uninterrupted. 
  3. Access to the website will be timely, secure, and free of errors.
  4. Access to the website will be free of viruses or other harmful components.
  5. Access to the website will be free of defects.


You agree that you will bear the entire cost of all servicing, repair, correction, or restoration that may be necessary for your data, software programs or computer equipment because of any viruses, errors, or other problems you may have as a result of using or visiting the United Real Estate Capital website.

You agree that under no circumstances will United Real Estate Capital Corporation be liable to you or any other person or entity for any damages or injury, including any direct, special, incidental, consequential or punitive damages or any damages or injury caused by error, inaccuracy, omission, interruption, defect, failure of performance, delay in operation or transmission, telecommunications failure or computer virus or other problem, that may result from the use of, or the inability to use our website or the web page content on or available through this website, whether in an action alleging breach of contract, negligence, or any other cause of action, or arising out of or in connection with the use or performance of any web page content on or available through this website.  You agree that the Corporation shall not be liable even if we or our authorized representatives have been advised of the possibility of such damages.

Applicable law may not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages.  If any of the above limitations or exclusions do not apply to you, in no event shall United Real Estate Capital’s total liability for damages, losses, and causes of action in any way exceed the amount paid by you.

The information contained in this website is believed to be reliable, but we do not warrant its completeness, timeliness or accuracy.  The information and materials contained in this website - and the terms and conditions of the access to and use of such information and materials - are subject to change without notice. Products and services described may differ among geographic locations, offices and as a result of individual conditions, not all products and services are offered at all locations. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

It is our intention that data provided on a subject is of a general nature. Our website does not represent an exhaustive treatment of subjects nor is the information intended to constitute accounting, tax, legal, consulting or other professional advice. 

Prior to making any decision or taking any action we kindly request you to contact your tax or legal advisors. 

Please use this document and information at your own risk. The content of this site is copyrighted and therefore any unauthorized use of any materials on this website may violate copyright, trademark, and other laws. 

Materials on this website may not be modified, reproduced, or publicly displayed, distributed or performed for any public or commercial purposes prior to our approval.

This site uses cookies to process your loan application and other features. You may elect not to accept cookies which will keep you from submitting a loan application. By your clicked consent/acceptance you acknowledge and allow the use of cookies. By clicking I Accept you acknowledge you have read and understand United Real Estate Capital's Privacy Policy.