These Terms & Conditions ("Terms") govern your use of blendedmortgagerate.com and yourloanninja.com (the "Site"), operated by Your Loan Ninja, a d/b/a of Wholesale United LLC ("we," "us," or "our"). By accessing or using the Site, you agree to these Terms.
This Site is intended for informational purposes related to mortgage consultation and financial education. You agree to use the Site only for lawful purposes and in accordance with these Terms. You must be 18 years of age or older to use this Site or submit your information.
The blended rate calculator and other tools on this Site provide estimates only. Results are not guaranteed and do not constitute a loan approval, commitment to lend, or financial advice. Actual rates, payments, and terms depend on your individual financial situation, creditworthiness, and lender approval.
Nothing on this Site constitutes legal, financial, tax, or investment advice. Always consult a qualified professional before making financial decisions.
By checking the consent box on our contact form, you agree to receive calls and text messages from Your Loan Ninja about your inquiry at the number you provided. Message frequency varies. Standard message and data rates may apply. Reply STOP to opt out at any time. Reply HELP for help. Consent is not a condition of any purchase or service.
Text messages will be sent from (916) 579-6222. Message types include mortgage inquiry responses, rate information, and consultation scheduling. For additional information about our text messaging practices, see our Privacy Policy.
Carriers are not liable for delayed or undelivered messages.
When you submit your information through our contact form, you authorize Your Loan Ninja and its affiliated lender, Land Home Financial Services, Inc. (NMLS #1796), to contact you regarding your inquiry by phone or email at the contact information you provided.
All content on this Site, including text, graphics, logos, and calculator tools, is the property of Your Loan Ninja / Wholesale United LLC or its content providers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.
The Site and its content are provided "as is" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.
To the fullest extent permitted by law, Your Loan Ninja and Wholesale United LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Site or its content.
The Site may contain links to third-party websites. We are not responsible for the content, privacy practices, or accuracy of any third-party site. Links do not constitute endorsement.
We may update these Terms from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of the Site after changes constitutes your acceptance of the updated Terms.
These Terms are governed by the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Site shall be resolved in the courts of Sacramento County, California.
If you have questions about these Terms, contact us at:
Your Loan Ninja, a d/b/a of Wholesale United LLC
Geoffrey Miyao | NMLS #244880
7685 River Village Drive, Sacramento, CA 95831
Phone: (916) 579-6222
Email: [email protected]
Licensed by the California Department of Financial Protection and Innovation (DFPI) under the California Financing Law
Land Home Financial Services, Inc. | NMLS #1796