Please carefully read these Terms of Service (“Terms”) before accessing or using this website. By accessing or using this website, you agree to be bound by these Terms and all applicable laws and regulations. If you do not agree with these Terms, please do not use this website.

Website Use

This website is operated by Solutions LA Inc, DBA Loan Smiles (“Loan Smiles,” “we,” “our,” or “us”). The information provided on this website is intended for general informational purposes related to mortgage consultation and financing-related services.

By using this website, you agree that:

You are at least 18 years old

You will use this website only for lawful purposes

You will not misuse, disrupt, or attempt unauthorized access to the website or its systems

We reserve the right to modify, suspend, or discontinue any aspect of the website at any time without notice.

Mortgage & Financing Information

Loan Smiles provides mortgage consultation services and general information regarding home financing and refinancing options. Information provided on this website does not constitute legal, tax, financial, or lending advice.

Financing options, rates, approvals, timelines, and eligibility considerations may vary based on lender requirements, underwriting review, financial qualifications, and other factors.

No guarantee of loan approval, financing terms, or lending outcomes is made through this website.

SMS Communications

By voluntarily providing your phone number through website forms or communication channels and selecting the applicable consent checkbox, you consent to receive SMS communications from Solutions LA Inc, DBA Loan Smiles related to:

Responses to inquiries

Appointment scheduling and reminders

Financing-related updates

Customer care communications

Marketing or promotional messages (only where separate explicit consent has been provided)

Message frequency may vary. Message and data rates may apply.

Reply STOP to opt out.
Reply HELP for assistance.

Consent to receive SMS communications is not a condition of purchase.

If you opt out of SMS communications, you may rejoin by submitting a new opt-in request through our website forms or communication channels.

Privacy Policy

Your use of this website is also governed by our Privacy Policy. Please review our Privacy Policy for information regarding how we collect, use, and safeguard your information.

Intellectual Property

All website content, including text, graphics, logos, images, design elements, and other materials, is the property of Solutions LA Inc, DBA Loan Smiles and is protected under applicable copyright and intellectual property laws.

No material from this website may be copied, reproduced, distributed, or transmitted without prior written permission.

Third-Party Links

This website may contain links to third-party websites for convenience or informational purposes. Loan Smiles is not responsible for the content, policies, or practices of third-party websites.

Disclaimer of Warranties

This website and all information provided are offered “as is” without warranties of any kind, either express or implied. Loan Smiles disclaims all warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.

We do not guarantee the accuracy, completeness, or reliability of information available on this website.

Limitation of Liability

Solutions LA Inc, DBA Loan Smiles shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from the use of this website or reliance on any information contained herein.

Governing Law

These Terms shall be governed by and interpreted under the laws of the State of California without regard to conflict of law principles.

Changes to These Terms

We may update or modify these Terms at any time without prior notice. Continued use of the website following any updates constitutes acceptance of the revised Terms.

Contact Information

Solutions LA Inc, DBA Loan Smiles
📧 [email protected]
📞 949-334-0722