Terms of Use

Effective Date: [5/2/2025]

These Terms of Use (“Terms”) govern your access to and use of the services provided by AdvantageFirst Lending, Inc. (“AFL,” “we,” “us,” or “our”) via our website https://advantage1st.com and other communication channels. By using our website or submitting your information through any of our forms, you agree to be bound by these Terms and our Privacy Policy.

Eligibility

You must be at least 18 years old and a resident of the United States to use our services. AFL only originates loans in states where it is properly licensed. A list of currently licensed states is available in the footer of our website.

Use of Our Services

You agree to use our website and services for lawful, personal, and non-commercial purposes. You may not:

Use the site in violation of any law or regulation
Interfere with site security or other users
Impersonate any individual or misrepresent your identity

Our website offers an online inquiry form, but does not process full mortgage applications directly through the site.

Website Ownership

This website is owned and operated by AdvantageFirst Lending Inc., 22342 Avenida Empresa, Ste 100, Rancho Santa Margarita, CA 92688; NMLS #1209177.

SMS, TCPA and Communication Consent

By submitting your information to AdvantageFirst Lending, you are providing your express written consent to be contacted by telephone, mobile device (including SMS and MMS text messages), and/or email in connection with your inquiry, application, or loan. This includes both informational and marketing communications related to products, services, or promotions offered by AdvantageFirst Lending.

You acknowledge and agree that such communications may be made using an automatic telephone dialing system, artificial or prerecorded voice, or other automated technology, even if your telephone number is listed on any corporate, state, or federal Do-Not-Call registry.

You also represent and warrant that:

You are the current subscriber or authorized user of the phone number(s) you provided.
You have the authority to provide this consent for communication at those number(s).

You understand that consent is not a condition of purchasing any goods or services from AdvantageFirst Lending. You may revoke your consent at any time by:

Texting STOP to opt out of SMS communications
Texting HELP for assistance
Visiting our website at www.advantage1st.com

For more information, please review our Privacy Policy and Terms of Use.

Intellectual Property

All content on this site—including text, images, logos, and layout—is the exclusive property of AFL or its licensors. It is protected under U.S. intellectual property laws. You may not copy, reproduce, or modify any part of the website without written permission.

Disclaimer of Warranties

All content and services provided on this website are offered “as is” and without warranties of any kind. AFL makes no guarantees regarding the accuracy, completeness, or suitability of any information presented. Information does not constitute legal, financial, or mortgage advice.

Limitation of Liability

To the fullest extent allowed by law, AFL and its affiliates are not liable for any damages, including indirect or incidental damages, resulting from your use of our website or services.

Indemnification

You agree to indemnify and hold harmless AFL, its employees, officers, and partners from any claims or liabilities arising out of your use of the site, violation of these Terms, or infringement of third-party rights.

Accessibility

AdvantageFirst Lending is committed to ensuring our website is accessible to all individuals, including those with disabilities. If you encounter any accessibility barriers, please contact us so we can assist you and make improvements.

Modifications

We may revise these Terms at any time. Any 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 new Terms.

Governing Law

These Terms are governed by the laws of the State of California. Any disputes arising under or related to these Terms shall be resolved exclusively in the courts of Orange County, California.

Contact Information

For questions or concerns about these Terms, contact us at:

AdvantageFirst Lending, Inc.

 2 South Pointe Dr, Suites 200–235

 Lake Forest, CA 92630

 📞 (949) 356-6028

 📧 info@advantage1st.com