Terms of Use

These Terms of Use govern your access to and use of this website, operated by Financial Dynamics, Inc., doing business as Emory Financial ("Emory Financial," "we," "us"). By using this site you agree to these terms. If you don't agree, please don't use the site.

Not an offer of credit

Nothing on this website constitutes a commitment to lend, an offer to extend credit, a rate lock, or a guarantee of any particular loan terms. All loans are subject to a complete application, credit approval, income and asset verification, and satisfactory property appraisal and title. Programs, rates, terms and conditions change without notice, and not all applicants will qualify.

Calculators and estimates

The calculators on this site are educational tools. They rely on the assumptions you enter and on simplified models, and they do not account for every cost in a real transaction. Results are estimates only and are not a quote, a pre-approval, or a Loan Estimate. Your actual terms will come from a lender's Loan Estimate following a full application. Do not make financial decisions based solely on these tools.

Not professional advice

Content on this site is general information, not legal, tax, accounting or investment advice. Mortgage decisions have tax and legal consequences that depend on your circumstances. Please consult your own qualified advisors.

Accuracy of information

We work to keep this site accurate and current, but content may contain errors, become outdated, or be incomplete. Loan limits, program guidelines and regulations change frequently. Any decision you make based on information here is at your own risk, and we encourage you to verify anything material with us directly.

Third-party links

This site links to websites we don't control, including regulator and lender sites. Those links are provided for convenience. We're not responsible for the content, accuracy or privacy practices of any third-party site.

Acceptable use

You agree not to use this site for any unlawful purpose, not to attempt to probe, scan or breach the security of the site or any related system, not to access data not intended for you, and not to interfere with the site's operation or with other users' access to it.

Intellectual property

The text, design, graphics and other content on this site are owned by Emory Financial or its licensors and are protected by copyright and trademark law. You may view and print pages for your personal, non-commercial use. You may not otherwise reproduce, republish, distribute or create derivative works from this site's content without our written permission.

Email and information requests

Messages you send us by email may not be secure. Please do not send confidential or nonpublic personal information — Social Security numbers, account numbers, credit information — by ordinary email or through this site's forms. If you choose to do so anyway, you accept the risk that it could be intercepted.

When you submit an inquiry, you're asking us to contact you about it and you consent to being contacted at the phone number and email address you provide. You can withdraw that consent at any time.

Disclaimer of warranties

This site and its content are provided "as is" and "as available," without warranty of any kind, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components.

Limitation of liability

To the maximum extent permitted by law, Emory Financial will not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits or data, arising out of your use of or inability to use this site, even if we've been advised of the possibility of such damages. Nothing in these terms limits any liability that cannot be limited under applicable law.

Governing law

These Terms of Use are governed by the laws of the State of California, without regard to its conflict-of-law principles. Any action arising out of these terms or your use of this site shall be brought exclusively in the state or federal courts located in Los Angeles County, California, and you consent to the jurisdiction of those courts.

Severability

If any provision of these terms is found unenforceable, that provision will be severed and the remaining provisions will continue in full force.

Changes

We may modify these Terms of Use at any time. The current version will always be posted here. Continuing to use the site after a change means you accept the updated terms.

Licensing

Financial Dynamics, Inc. DBA Emory Financial. Derek Shao, NMLS #242117, California DRE #01358261. Company NMLS #393986. Real estate broker licensed by the California Department of Real Estate; loans arranged pursuant to a California Department of Real Estate license. Verify licensing at NMLS Consumer Access.

Contact

Questions about these terms? Email derekshao@emoryfinancial.com or call 310-869-5678.

Effective July 27, 2026.