Effective Date: July 3, 2026 · Last Updated: July 3, 2026
Please read these Terms and Conditions ("Terms") carefully before using the website at www.pclhomeloan.com or any services provided by Pacific Community Lender (also operating as PCL Home Loan, NMLS #2371435) ("we," "our," or "us"). By accessing or using this site, submitting any form, or requesting services, you agree to these Terms.
Content on this website is for general informational and educational purposes only. Nothing constitutes legal, tax, investment, or financial advice. Pacific Community Lender is a licensed mortgage broker — we do not directly fund loans. Loan products, rates, and availability are subject to lender underwriting criteria and may not be available in all areas.
By using this site, you represent that you are at least 18 years of age, have legal capacity to enter a binding agreement, and are using the site for lawful purposes. This site is intended for U.S. residents.
A. Purpose of Messages
B. Message Frequency
You may receive up to 4–6 marketing messages per month, plus additional transactional messages related to an active loan inquiry or application. Message and data rates may apply.
C. How to Opt Out
D. No Sharing of SMS Opt-In Data
E. Consent Is Not a Condition of Purchase
Providing your mobile number and consenting to receive text messages is not required as a condition of applying for a loan or using our services.
F. Supported Carriers
Supported carriers include AT&T, Verizon, T-Mobile, Sprint, and most major U.S. carriers. Carrier support may vary.
By submitting your phone number, you consent to being contacted by Pacific Community Lender / PCL Home Loan via telephone call (including autodialer or prerecorded voice) and/or SMS/MMS for mortgage-related informational and marketing purposes, in accordance with the Telephone Consumer Protection Act (TCPA) and applicable state law. Consent is not a condition of purchasing any goods or services.
Submitting any information through this website does not constitute a loan application, guarantee of loan approval, rate lock, or commitment to lend. All applications are subject to underwriting review, lender approval, verification of information, and satisfaction of applicable conditions.
We make commercially reasonable efforts to keep information accurate and current, but we do not warrant the completeness, accuracy, or timeliness of any content. Mortgage rates, product terms, loan limits, and program availability are subject to change at any time.
By using this site, you agree not to:
All content on this website — including text, graphics, logos, images, videos, and software — is owned by Pacific Community Lender or its licensors and protected by U.S. and international intellectual property laws. You may not copy, reproduce, distribute, or create derivative works without our express prior written permission.
This website may contain links to third-party websites for convenience only. We do not control, endorse, or assume responsibility for any third-party site's content or practices.
Your use of this site is also governed by our Privacy Policy, incorporated into these Terms by reference.
THIS SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT.
TO THE FULLEST EXTENT PERMITTED BY LAW, PACIFIC COMMUNITY LENDER SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF, OR INABILITY TO USE, THIS SITE OR ITS CONTENT.
You agree to indemnify and hold harmless Pacific Community Lender, its affiliates, officers, directors, employees, agents, and service providers from any claims, liabilities, damages, and fees (including reasonable attorneys' fees) arising from your violation of these Terms or your use of this site.
These Terms are governed by the laws of the State of California. Any legal action shall be brought exclusively in the state or federal courts of Solano County, California. Any claim must be brought within one (1) year after the cause of action arises.
Pacific Community Lender is committed to fair lending and equal housing opportunity. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, familial status, disability, sexual orientation, gender identity, source of income, or any other characteristic protected by applicable law.
Pacific Community Lender (DBA PCL Home Loan) is a licensed mortgage broker. NMLS #2371435. Licensed by the California Department of Financial Protection and Innovation (DFPI) under the California Financing Law. Verify licensing at www.nmlsconsumeraccess.org.
We may update these Terms at any time. Changes are effective immediately upon posting. Your continued use of this site after any changes constitutes acceptance of the updated Terms.
If any provision of these Terms is found unenforceable, the remaining provisions remain in full force and effect.
These Terms, together with our Privacy Policy and other legal notices on this site, constitute the entire agreement between you and Pacific Community Lender regarding your use of this site.
Pacific Community Lender (DBA PCL Home Loan, NMLS #2371435)
190 S Orchard Ave, Suite B-115, Vacaville, CA 95688
Phone: (707) 477-6687
Email: contact@pclhomeloan.com