Terms of Service

Effective Date: Jan 2026
Last Updated: Jan 2026

Welcome to Xcel Lending, Inc. (“Xcel Lending,” “Company,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of our website located at www.xcellending.com (the “Website”) and any related services.

By accessing or using this Website, you agree to be bound by these Terms. If you do not agree, you must not use this Website.

Xcel Lending, Inc. is a mortgage company based in the State of California. We provide residential mortgage lending services subject to applicable federal and state laws and regulations.

Nothing on this Website constitutes a commitment to lend. All loan applications are subject to underwriting approval, credit review, property review, and applicable regulatory requirements. Our area of serice is  Aliso Viejo, Anaheim, Brea, Buena Park, Costa Mesa, Cypress, Dana Point, Fountain Valley, Fullerton, Garden Grove, Huntington Beach, Irvine, La Habra, La Palma, Laguna Beach, Laguna Hills, Laguna Niguel, Laguna Woods, Lake Forest, Los Alamitos, Mission Viejo, Newport Beach, Orange, Placentia, Rancho Santa Margarita, San Clemente, San Juan Capistrano, Santa Ana, Seal Beach, Stanton, Tustin, Villa Park, Westminster, Yorba Linda

You must be at least 18 years old to use this Website. By using the Website, you represent and warrant that you are legally capable of entering into a binding agreement.

Information provided on this Website is for informational purposes only and does not constitute financial, legal, tax, or investment advice.

You should consult with a qualified financial advisor, attorney, or tax professional before making financial decisions.

Mortgage rates, terms, and programs are subject to change without notice.

If you submit information through our Website:

• You agree that all information provided is true, accurate, and complete.
• You authorize us to verify the information, including obtaining credit reports.
• You understand that submission of an inquiry does not guarantee loan approval.
   

Providing false or misleading information may result in denial of your application.

By using our Website or submitting your contact information, you consent to receive communications from us electronically, including via:

• Email
• Telephone
• SMS/text message (where consent is provided)
   

You may opt out of marketing communications at any time. Standard message and data rates may apply.

All content on this Website, including text, graphics, logos, icons, images, and software, is the property of Xcel Lending or its licensors and is protected by applicable intellectual property laws.

You may not:

• Copy
• Reproduce
• Modify 
• Distribute
• Display 
• Create derivative works
   

without prior written consent.

You agree not to:

• Use the Website for unlawful purposes
• Attempt unauthorized access to our systems 
• Interfere with Website functionality
• Upload malicious software
• Engage in fraudulent activity
   

We reserve the right to restrict or terminate access for violations.

Our Website may contain links to third-party websites. We do not control or endorse third-party content and are not responsible for their practices or policies.

The Website is provided on an “as is” and “as available” basis.

To the fullest extent permitted by law, Xcel Lending disclaims all warranties, express or implied, including:

• Merchantability
• Fitness for a particular purpose 
• Non-infringement
   

We do not guarantee that the Website will be uninterrupted, error-free, or secure.

To the fullest extent permitted by law, Xcel Lending shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:

• Use of the Website 
• Inability to access the Website 
• Errors or omissions in content
   

Our total liability for any claim related to the Website shall not exceed $100.

Some jurisdictions may not allow certain limitations, so portions of this section may not apply.

You agree to indemnify and hold harmless Xcel Lending, its officers, employees, and affiliates from any claims, damages, or expenses arising from:

• Your use of the Website
• Your violation of these Terms
• Your violation of applicable laws
   

Your use of the Website is also governed by our Privacy Policy, which describes how we collect and use your information.

Xcel Lending is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, disability, or any other protected status under applicable law.

These Terms are governed by the laws of the State of California, without regard to conflict of law principles.

Any disputes arising from these Terms shall be resolved in the state or federal courts located in California.

We may update these Terms at any time. Updated versions will be posted on this page with a revised effective date. Continued use of the Website constitutes acceptance of the updated Terms.

If you have questions regarding these Terms, please contact:

Xcel Lending, Inc.
California, USA
Email: [Myra@XcelLending.com]
Phone: [714-442-4049]