Legal
Terms of Use
Last updated: January 1, 2026
1. Acceptance of terms
By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use this site.
2. Informational purposes only
The content on this website, including loan program descriptions, rates, and calculators, is provided for general informational purposes only. Nothing on this site is a commitment to lend or extend credit, and all loans are subject to credit approval, underwriting guidelines, and program availability.
3. Contact forms and communication consent
By submitting a form on this site, calling, texting, or booking an appointment, you consent to be contacted by Vicky Gudino and Empower Home Loans by phone, text message, or email regarding your inquiry, which may involve autodialed or prerecorded messages. Consent is not a condition of obtaining any product or service, and message/data rates may apply. You may opt out of communications at any time.
4. No professional advice
Information provided on this site does not constitute financial, legal, or tax advice. You should consult your own advisors before making decisions based on content found here.
5. Third-party links
This site may link to third-party websites, including secure application portals, review platforms, and licensing databases such as NMLS Consumer Access. We are not responsible for the content, accuracy, or privacy practices of those third-party sites.
6. Intellectual property
All text, graphics, and branding on this site are the property of Empower Home Loans and its licensors and may not be reproduced without permission.
7. Limitation of liability
This site is provided "as is" without warranties of any kind. To the fullest extent permitted by law, Empower Home Loans is not liable for any damages arising from your use of this site.
8. Changes to these terms
We may update these Terms of Use from time to time. Continued use of the site after changes are posted constitutes acceptance of the revised terms.
9. Contact
Questions about these terms can be directed to Vicky Gudino at vicky@empowermyloan.com or (559) 706-4470.