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Terms of Use

Effective Date: January 1, 2025  |  Last Updated: May 15, 2026

Table of Contents

  1. Acceptance of Terms
  2. Services Described
  3. SMS Messaging Program Terms
  4. Not Legal or Financial Advice
  5. Permitted Use of This Website
  6. Intellectual Property
  7. Third-Party Links & Services
  8. Disclaimers
  9. Limitation of Liability
  10. Governing Law
  11. Changes to These Terms
  12. Contact

These Terms of Use govern your access to and use of yegongmortgage.com and any related communications, tools, or services provided by Ye Gong (NMLS #360097), operated by Ye Gong (NMLS #360097). By accessing our website or submitting your information through any form or advertising channel, you agree to be bound by these Terms and our Privacy Policy.

1. Acceptance of Terms

These Terms constitute a legally binding agreement between you and Ye Gong (NMLS #360097). By using our website or providing your contact information, you confirm that you are at least 18 years old and agree to these Terms and our Privacy Policy. Consent is not a condition of receiving any loan or service.

2. Services Described

Ye Gong (NMLS #360097) provides mortgage brokerage services, educational content, and homebuying resources to prospective borrowers in California and other licensed states. Our services include:

All mortgage services are subject to credit approval, lender guidelines, and applicable state and federal regulations.

3. SMS Messaging Program Terms

Ye Gong — SMS Messaging Program

  1. Program Description: By opting into our SMS program, you will receive text messages related to our mortgage services, including appointment reminders, responses to your inquiries, loan status updates, mortgage program announcements, rate alerts, and promotional offers from Ye Gong (NMLS #360097).
  2. Opt-Out: You can cancel the SMS service at any time. Simply text "STOP" to opt out. Upon sending "STOP," we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially and we will resume sending SMS messages to you.
  3. Help: If you experience issues with the messaging program, reply with the keyword "HELP" for more assistance, or reach out directly to us at ye@mortgageuncensored.com or 415-577-0217.
  4. Carrier Liability: Carriers are not liable for delayed or undelivered messages.
  5. Message & Data Rates: Message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies. For questions about your text plan or data plan, contact your wireless provider.
  6. Privacy Policy: For privacy-related inquiries, please refer to our privacy policy: yegongmortgage.com/privacy-policy
SMS Data Protection: No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Compliance

Our SMS messaging program complies with the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, CTIA guidelines, and all applicable federal and state laws governing commercial text messaging.

4. Not Legal or Financial Advice

Content on this website — including calculators, guides, blog posts, videos, and other educational materials — is provided for informational and educational purposes only. It does not constitute legal, tax, financial, or investment advice.

While Ye Gong holds a CPA credential, his engagement through Ye Gong is as a licensed mortgage broker, not as a CPA providing tax services. Always consult a qualified attorney, CPA, or financial advisor for advice specific to your situation.

5. Permitted Use of This Website

You may use this website for lawful purposes only. You agree not to:

6. Intellectual Property

All content on this website — including text, graphics, logos, videos, calculators, PDFs, and the "Ye Gong" brand — is the property of Answer Home Lending / Ye Gong and is protected by applicable copyright and trademark law. You may not reproduce, republish, or commercially exploit any content without prior written consent.

7. Third-Party Links & Services

Our website may contain links to third-party websites. We do not control these sites and are not responsible for their content or privacy practices. We use third-party services including Google Analytics, Meta Pixel, GoHighLevel (CRM and messaging), and Netlify (hosting). Each operates under its own terms and privacy policy.

8. Disclaimers

This website and its content are provided "as is" without warranty of any kind. Mortgage rates, program availability, and loan guidelines change frequently. All loans are subject to credit approval, lender guidelines, property eligibility, and applicable regulations. Rate quotes or program estimates are not binding or guaranteed.

9. Limitation of Liability

To the fullest extent permitted by law, Ye Gong (NMLS #360097), and Ye Gong shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or any services described herein. Our total liability to you for any claim shall not exceed $100.

10. Governing Law

These Terms are governed by the laws of the State of California. Any disputes shall be resolved in the state or federal courts located in Sacramento County, California.

11. Changes to These Terms

We reserve the right to update these Terms at any time. Changes will be posted on this page with a revised "Last Updated" date. Continued use of the website after changes are posted constitutes your acceptance of the revised Terms.

12. Contact

Ye Gong | NMLS #360097
6085 Douglas Blvd. Ste. 400, Granite Bay, CA 95746
Phone: 415-577-0217
Email: ye@mortgageuncensored.com
Website: yegongmortgage.com

Licensed Mortgage Advisor with Answer Home Lending | NMLS #2343805 Licensed in: CA, AZ, TX, NC, NV, FL, NM, IN, WI | Equal Housing Opportunity | This is not a commitment to lend.