Privacy and Terms

Information Not Warranted or Guaranteed:


No Liability

While we do our very best, So Cal Home Loan does not warrant or guarantee the accuracy, adequacy, quality, currentness, completeness, or suitability of any information for any purpose; that any information will be free of infection from viruses, worms, Trojan horses or other destructive contamination; that the information presented will not be objectionable to some individuals or that this service will remain uninterrupted.

So Cal Home Loan, its agents or employees shall not be held liable to anyone for any errors, omissions or inaccuracies under any circumstances. The entire risk for utilizing the information contained on this site or linked to this site rests solely with the users of this site.

Privacy Policy

So Cal Home Loan, Inc. takes our clients’ financial privacy very seriously. During the course of processing your application, we accumulate non-public personal financial information from you and from other sources about your income, your assets, and your credit history in order to allow a lender to make an informed decision about granting you credit. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

We collect nonpublic information about you from the following sources: (i) information we receive from you on applications or other forms; (ii) information about your transactions with us, our affiliates, or others; and (iii) information we receive from a consumer reporting agency.

We do not disclose any nonpublic information about our customers or former customers to any third party, except as permitted by law.

Online Privacy Policy

Our Online Privacy Policy explains how we collect, share and use information from or about you when you visit or use our website. This website is a general audience site and we do not knowingly collect personal information from children under the age of 13.

By using this website, you agree to the terms and conditions of this Online Privacy Policy.

Personal information we collect online

You may interact with us in a variety of ways. We may permit browsing and not require the inputting of any personal information. We may also offer the ability to learn more about or apply for our loan products. Information that we may collect about you through online interaction includes personal information you provide via a contact web-form which includes name, telephone, postal address, and email address. If you decide to apply for a loan, other online fields will be required such as Social Security Number and birthdate.

How personal information is shared

We will use and share any information that we collect from or about you in accordance with the So Cal Home Loan, Inc.

Information we collect online

In addition to personal information described above, we may also collect and save certain information about your use of our website, such as the type of operating system, information about your device’s operating system, the browser you are using, the IP address of your device and additional information about your device. We or our third-party partners may also use cookies and/or tracking pixels to collect and store other information about your visit to, or use of, our website.

“Cookies” are small amounts of data a website can send to a visitor’s web browser. They are often stored on the device you are using to help track your areas of interest. Cookies we use do not contain or capture unencrypted personal information. Cookies allow us to collect information such as browser type, time spent on the website, and your relationship with us. We use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize/customize your experience while visiting the website, and to recognize your device to allow your use of our online products and services. We collect statistical information about the usage of the website in order to continually improve the design and functionality, to monitor responses to our advertisements and content, to understand how visitors use the website and to assist us with resolving questions regarding the website. We also utilize cookies for our online advertising purposes.

We do not currently take any action with respect to a browser’s “do-not track” signals. If a website visitor enters our website, or clicks on one of our advertisements on a third party site, a cookie may be planted on the visitor’s browser for future targeted ads.

The cookie does not keep a history of which sites were visited, but will recognize if the visitor visits a site in the Google Ad Network. If the visitor does visit a site on the Google Ad Network then the user may be targeted for an advertisement. If a visitor to our website enters data into a web-form and submits data to us, the information is paired with the IP address of the computer the visitor is using. This information is shared internally but not with third parties. IP addresses are only shared with the Google search company that we use for our ad campaigns.

Cookie Control

To prevent or block cookies from tracking your visits, you can configure your web browser to reject all cookies, or notify you when a cookie is set. Most browsers like Chrome, Safari, Firefox, Internet Explorer and more will give you the ability to control and block cookies. To learn more or opt-out of receiving online display advertisements by our third party partners, visit the Network Advertising Initative at


We maintain physical, electronic and procedural safeguards designed to protect personal information. We also employ encryption technologies and user authentication procedures that are designed to keep your data secure. We limit access to personal information to authorized personnel and contractors who need access to perform their job and are contractually required to keep your information secure.

Policy updates and effective date

We may make changes to this Online Privacy Policy from time to time. In the event of any update, the revised Online Privacy Policy will be posted with a new “Last Updated” date. All updates to the Online Privacy Policy become effective when we post the updates on our website.

Last Update: November 18, 2019


Here’s what our happy customers had to say about our services:

Yep, the whole thing went through without a hitch, and was funded two weeks ago. Ev was very enjoyable to work with as was Mattie, the Notary who oversaw the final signing of papers.

We are very pleased with the experience, and we thank you for your part in it. I will thank Tony for referring us to you, and I will most certainly refer anyone looking for a reverse mortgage to you without a question.

Syl V.

You just saved by spending habits! Thank you for going thru the hard process of getting my loan approved. I can only say now that although I’m house poor, my money is saved with equity. Thank you again Tracy!

Harold Green

Thanks again for everything Tracy, my husband and I appreciate your professionalism, integrity, and expediency in handling our file. I have plenty of your business cards on hand, and you know that I have your office and cell numbers memorized, also thanks for the movie tickets, and I will keep my ears opened for referrals, thanks again!!!

Kim C.

Thank you Tracy

I also wanted to Thank you for not giving up on us. I mean I almost said for get it myself. I never realized how much hard work is involved in buying a home. One good thing came out of this and that is keep your credit in good standards for everything to go smoothly.

Yes, we are extremely happy with our new home. Thanks again.

Elizabeth C.

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