Terms of Use
The contract, the licences, the SMS programme terms in full, and every assumption behind every calculator on this site.
These terms govern your use of https://www.genesishomeloans.com and every communication we send you. They are a contract. Read §5 if you gave us a mobile number and §17 if you would rather sue us than arbitrate.
1. Accepting these terms
By using this website, submitting a form, booking a call, texting us, or letting us arrange a loan for you, you agree to these terms and to our Privacy Policy. If you do not agree, do not use the site. You must be at least 18 and legally able to enter a contract.
2. Who we are and what we are licensed to do
- Genesis Home Loans is the mortgage brokerage of Adriana de Anda.
- NMLS Unique Identifier #368880. Verify at nmlsconsumeraccess.org — please do.
- California DRE Real Estate Broker Licence #01447306. Verify at dre.ca.gov.
- Licensed in California only. We arrange loans secured by California real property. We do not solicit or originate outside California.
- Address: 1313 N Milpitas Blvd, Ste 235, Milpitas, CA 95035 · Phone: (408) 569-9288
We are a mortgage broker. We are not a bank, not a lender, and not a creditor. We do not make loans and we do not fund them. We shop your file to wholesale lenders and place it with the one most likely to approve it at the best terms. The lender, not Genesis, makes every credit decision.
We are compensated either by the lender or by you, disclosed to you in writing before you are obligated, as Regulation Z and RESPA require. We do not accept kickbacks, referral fees, or unearned fees from anyone, and we do not pay them.
3. Not a commitment to lend
Nothing on this website is a commitment to lend, an offer of credit, a pre-approval, a loan approval, or a guarantee of any rate, term, fee or programme. No number you see here is locked, quoted, or promised.
Rates, points, fees, programme availability and qualifying criteria change constantly, vary by lender, and depend entirely on your credit, income, assets, reserves, the property, its occupancy, the loan-to-value ratio, the market, and full underwriting. Every figure on this site is an illustration. Actual terms are available only on a written Loan Estimate issued after a complete application.
Equal Housing Opportunity. All loans subject to credit approval, property appraisal and underwriting. Programmes may be withdrawn without notice.
4. The calculators — every assumption we make
This site has nine calculators, and several of them are designed to tell you not to do the thing you came here to do. That only means something if you can see the assumptions. Here they all are.
Applies to every calculator
- Fully amortising, fixed-rate payments unless the tool states otherwise. No ARM adjustments are modelled.
- Interest is calculated monthly on the outstanding balance. No compounding beyond that.
- Property tax is estimated at a default of 1.10% of purchase price per year, adjustable by you. California’s Proposition 13 base rate is 1%, plus local assessments, bonds and Mello-Roos, which commonly land between 1.1% and 1.35% and can be higher. Your parcel’s actual rate is what matters; we verify it before you write an offer.
- Homeowner’s insurance defaults to an estimate you can change. Real premiums vary enormously by county, fire risk and carrier, and in parts of California are the single fastest-moving line item.
- Mortgage insurance is estimated from typical LTV and credit-score bands. Actual PMI is priced by the insurer. FHA MIP is calculated at the current statutory rate and, at LTVs above 90%, does not fall off for the life of the loan.
- Maintenance, where shown, is estimated at 1% of value per year — a widely used rule of thumb, not a promise. It appears because leaving it out is the standard way payment calculators lie to you.
- HOA dues default to zero. If your property has them, enter them; they are not optional and lenders count them.
- Closing costs, prepaid interest and impound accounts are estimated; the Loan Estimate is authoritative.
- No calculator on this site pulls your credit, stores your inputs on our servers, or requires an email address.
Specific tools
- Affordability
- Solves for the highest purchase price that keeps total monthly debt near a 43% debt-to-income ceiling — a common conventional guideline, not a law. Many lenders go higher; some go to 50% with compensating factors. The tool deliberately also shows a lower, more conservative number, and tells you which one to trust.
- Rent vs Buy
- Accounts for the opportunity cost of your down payment — what it would have earned invested — plus transaction costs on both ends, maintenance, and appreciation you specify. It will tell you to keep renting when that is the honest answer. Appreciation is an input, not a forecast. Nobody knows.
- Refinance
- Models three futures: keeping your current loan, refinancing to a fresh 30-year term, and refinancing to your remaining term. Resetting the clock can cost more in total interest even at a materially lower rate. Break-even ignores tax effects.
- Cash-out vs HELOC
- A cash-out refinance re-prices your entire first mortgage at today’s rate. If you hold a low fixed rate, that is usually the most expensive way to borrow money that has ever been sold to you, and this tool will show you the number.
- DSCR
- DSCR = gross monthly rent ÷ monthly PITIA. Most lenders want 1.00–1.25. The tool also subtracts vacancy, maintenance, capital expenditure reserve and management — which the lender’s ratio does not. A property can pass the lender’s test at 1.25 and still lose you money every month. That is the point of the tool.
- Bank statement / P&L / 1099 / Asset depletion
- Qualifying income is modelled using common Non-QM conventions — typically a 50% expense factor on business account deposits, 100% of personal deposits, and 12 or 24 months of history. Every lender’s formula differs. Non-QM premiums shown are illustrative comparisons against a conventional loan of the same size, not quotes.
- Extra payment
- Assumes extra principal is applied on schedule and that your loan has no prepayment penalty. Confirm both.
- Closing costs
- Lender fees and title/escrow charges are marked negotiable because they are. Recording and transfer taxes are not.
- DTI
- Uses the 43% qualified-mortgage ceiling as the reference line. Housing ratio and back-end ratio are both shown.
Conforming limits. The FHFA resets conforming loan limits every January. The baseline and high-cost figures used on this site are current-year values used for illustration. We verify your county’s exact limit before you write an offer, because crossing it by one dollar moves you into a different loan.
5. SMS messaging programme terms
These are the terms of the Genesis Home Loans messaging programme. They apply to every SMS and MMS message we send you.
| Term | Detail |
|---|---|
| Programme name | Genesis Home Loans |
| Programme description | Conversational replies, appointment confirmations and reminders, document requests, rate and status updates, and closing notifications relating to a mortgage you asked us to arrange. |
| How you opt in | By ticking the SMS consent box when you book a call or submit an application; by texting us first; or by telling us verbally and having us record it in your file. Consent is never a condition of purchase or of obtaining a loan. |
| Message frequency | Message frequency varies with the activity on your file. A typical borrower receives fewer than ten messages per month. |
| Cost | Message and data rates may apply. Genesis does not charge for messages; your carrier may. |
| HELP | Reply HELP to any message, or call (408) 569-9288, or email deanda.adriana@gmail.com. |
| STOP | Reply STOP to any message to cancel. You will receive a single confirmation message and then no further messages. You may re-subscribe at any time by texting START or by asking us. |
| Carriers | Carriers are not liable for delayed or undelivered messages. Supported carriers include AT&T, Verizon Wireless, T-Mobile, Sprint, Boost, U.S. Cellular, MetroPCS, Virgin Mobile, Cricket and others. Carriers may change without notice. |
| Privacy | No mobile information is shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent are never shared with any third party. See §5 of our Privacy Policy. |
| Eligibility | You must be 18 or older and the account holder or authorised user of the mobile number you give us. |
If you change or give up your mobile number, tell us. If you do not, and the number is reassigned, someone else may receive a message intended for you. Neither we nor you want that.
6. Email
Marketing emails carry an unsubscribe link that works, and our physical postal address, as CAN-SPAM requires. We honour unsubscribes within ten business days and in practice within one. Transactional emails about a loan in progress — disclosures, document requests, closing instructions — continue regardless, because federal law requires us to send them and you need them.
Email is not secure. Do not email us your Social Security number, a full account number, or a scan of your driver’s licence. We will send you a secure upload link. If you email sensitive information to us anyway, you accept the risk of doing so.
7. Telephone calls and the TCPA
- When you give us your telephone number and ask us to contact you, you consent to us calling and texting you at that number about your enquiry and your loan — including, where you have given prior express written consent, by automatic telephone dialling system or prerecorded voice.
- That consent is not a condition of any purchase. You can revoke it at any time, by any reasonable means — say so on a call, reply STOP to a text, or send an email. We will honour it immediately and note the date.
- We maintain an internal do-not-call list and honour the National Do Not Call Registry.
- We do not call before 8:00 a.m. or after 9:00 p.m. in your time zone.
- We record calls only with your knowledge. California is a two-party consent state (Cal. Penal Code §632) and we treat it as one.
8. Electronic records and signatures
Under the federal E-SIGN Act and the California Uniform Electronic Transactions Act, by using this site and choosing electronic delivery you consent to receive disclosures, notices and documents electronically, and you agree that an electronic signature has the same legal effect as ink.
- Hardware and software you need: a current web browser, an email account you can access, and the ability to open a PDF.
- To withdraw consent or to get a paper copy of anything, call or write to us. There is no fee and we will not treat you differently for asking.
- To update your email address, tell us. If our email to you bounces, we will call.
9. Fair lending and fair housing
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, colour, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract); because all or part of the applicant’s income derives from any public assistance programme; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
The federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.
We also do business in accordance with the Federal Fair Housing Act and California’s Fair Employment and Housing Act and Unruh Civil Rights Act. We do not discriminate on any protected basis, and we do not steer. Equal Housing Opportunity.
If you believe you have been discriminated against, you may file a complaint with the U.S. Department of Housing and Urban Development at hud.gov/fairhousing or 1-800-669-9777, or with the California Civil Rights Department at calcivilrights.ca.gov.
10. This is not legal, tax or immigration advice
We arrange mortgages. That is the whole of our licence and the whole of our competence.
- Nothing on this site is tax advice. Mortgage interest deductibility, the tax treatment of a cash-out refinance, depreciation on a rental — ask a CPA.
- Nothing on this site is legal advice. Title, vesting, trusts, divorce, probate — ask a lawyer.
- Nothing on this site is immigration advice. Our ITIN and foreign-national pages describe mortgage products. An ITIN is a tax identifier and nothing more; it confers no status and no work authorisation. For anything touching your immigration status, speak to a qualified immigration attorney or a representative accredited by the Department of Justice. We will not guess, and you should not let us.
11. Acceptable use
Do not: submit false information or impersonate anyone; scrape, spider, or harvest the site; attempt to breach or test its security; reverse-engineer it; use it to transmit malware; use it for any unlawful purpose; or use any content here to build a competing product.
12. Intellectual property
The design, copy, calculators, models and code on this site are owned by Genesis Home Loans and protected by copyright. You may read them, print them, and use the calculators for your own personal, non-commercial purposes. You may not copy, republish, or commercially exploit them without written permission. “Genesis Home Loans” and our marks are ours. REALTOR® is a registered mark of the National Association of REALTORS®.
13. Third-party sites and content
We link to NMLS Consumer Access, government agencies, credit bureaus, mapping and calendar providers. We do not control them, we do not endorse their content or data practices, and we are not responsible for either. Follow a link and you are on their terms, not ours.
14. Disclaimer of warranties
The site and its content are provided “as is” and “as available”, without warranty of any kind, express or implied, including any implied warranty of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the site will be uninterrupted or error-free, or that any calculator output is accurate for your situation. Some jurisdictions do not allow the exclusion of implied warranties, so parts of this may not apply to you.
15. Limitation of liability
To the fullest extent permitted by law, Genesis Home Loans and Adriana de Anda will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost opportunity, or lost data, arising from your use of this site or reliance on anything in it — even where we were told such damages were possible. Our total aggregate liability arising out of the website itself will not exceed one hundred US dollars (US$100).
This limitation does not apply to, and nothing in these terms limits or waives: our obligations to you as a licensed mortgage broker under state and federal law; liability for fraud, gross negligence, or wilful misconduct; any liability that cannot lawfully be limited; or any right you have under the Equal Credit Opportunity Act, the Fair Housing Act, RESPA, TILA, the FCRA, the TCPA, or the CCPA. Those rights survive this section entirely.
16. Indemnity
You agree to indemnify Genesis Home Loans against claims, losses and reasonable legal fees arising from your breach of these terms, your misuse of the site, or information you gave us that you knew to be false.
17. Disputes and arbitration
Informal resolution first. Before starting any formal proceeding, contact us and give us 30 days to fix it. Most things get fixed in a phone call. We will do the same before we start anything against you.
Arbitration. If that fails, any dispute arising out of your use of this website will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, in Santa Clara County, California, or by telephone or video if you prefer. Judgment on the award may be entered in any court of competent jurisdiction.
Class action waiver. Arbitration will be individual. You and we each waive any right to bring or participate in a class, collective or representative action. This waiver does not apply to a representative action under the California Private Attorneys General Act to the extent it cannot lawfully be waived.
You may opt out. Send written notice to the address in §21 within 30 days of first agreeing to these terms, saying you opt out of arbitration. Include your name and address. That is all it takes, it costs nothing, and it will not affect your loan, your pricing, or how we treat you in any way.
What arbitration does not cover. Either party may bring an individual claim in small-claims court. Nothing here prevents you from filing a complaint with the California DRE, the DFPI, the CFPB, HUD, the FTC, the California Attorney General, or the California Privacy Protection Agency — and nothing here requires you to arbitrate a statutory claim that the law says you may not be compelled to arbitrate. Your regulatory complaint rights are not waivable and we do not ask you to waive them.
18. Governing law
These terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules. Where arbitration does not apply, the exclusive venue is the state and federal courts located in Santa Clara County, California.
19. How to complain about us
If we get something wrong, tell us: (408) 569-9288 or deanda.adriana@gmail.com. If we cannot make it right, these are the people who regulate us, and you are entitled to go to them:
- California Department of Real Estate — dre.ca.gov · 1-877-373-4542
- NMLS Consumer Access — nmlsconsumeraccess.org (look us up: NMLS #368880)
- Consumer Financial Protection Bureau — consumerfinance.gov/complaint · 1-855-411-2372
- California Dept. of Financial Protection & Innovation — dfpi.ca.gov
- HUD Fair Housing — hud.gov/fairhousing · 1-800-669-9777
- Federal Trade Commission — reportfraud.ftc.gov
20. Everything else
- Changes. We may update these terms. The effective date and version at the top will change. Continuing to use the site after that means you accept the new version. If a change is material and affects a loan in progress, we will tell you directly.
- Severability. If a court finds any provision unenforceable, the rest survives.
- No waiver. If we do not enforce something once, we have not given it up.
- Entire agreement. These terms and the Privacy Policy are the whole agreement about the website. Your loan is governed by its own documents, which control if they conflict with anything here.
- Assignment. You may not assign these terms. We may, on a merger or sale of the business.
- Force majeure. Neither party is liable for delay caused by something genuinely outside its control.
21. Contact
- Genesis Home Loans · Adriana de Anda
- 1313 N Milpitas Blvd, Ste 235, Milpitas, CA 95035
- (408) 569-9288 · deanda.adriana@gmail.com
- NMLS #368880 · CA DRE #01447306