Terms & Conditions

Effective Date: April 30, 2025
Last Updated: April 30, 2025

Welcome to Henry Cheng - Mortgage Loan Officer and Notary Public www.thehenrycheng.com (“Site”). By accessing or using this website, you agree to be bound by the following Terms and Conditions. Please read them carefully. If you do not agree with these terms, please do not use this website.

1. Use of Website

This Site is intended for informational purposes related to mortgage loan services offered by Henry Cheng, a licensed Mortgage Loan Officer (NMLS # 1379759). You may use this Site for personal and non-commercial purposes only.

You agree not to:

Use the Site for unlawful or fraudulent purposes
Interfere with the Site’s security or content
Attempt to access restricted areas without authorization

2. No Financial or Legal Advice

The content on this Site is for informational purposes only and does not constitute financial, legal, or tax advice. You should consult with a licensed mortgage professional (like me), attorney, or tax advisor for guidance specific to your circumstances.

Loan approvals and terms are subject to underwriting, credit qualification, and lender approval.

3. Privacy

Your use of this Site is subject to our Privacy Policy, which explains how we collect, use, and protect your information.

4. Third-Party Links

This Site may contain links to third-party websites or tools. These links are provided for your convenience, but we do not control or endorse their content. We are not responsible for their availability, accuracy, or any loss you may experience from their use.

5. Intellectual Property

All content on this Site, including text, graphics, logos, images, and software, is the property of Heny Cheng - Mortgage Loan Officer and Notary Public or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without written permission.

6. Disclaimers

This Site is provided "as is" without warranties of any kind, either express or implied. We do not warrant that the Site will be error-free, uninterrupted, or secure.

Loan products and interest rates referenced may vary by lender, credit profile, and location, and are subject to change without notice.

7. Limitation of Liability

To the fullest extent permitted by law, we are not liable for any damages resulting from your use of this Site, including but not limited to indirect, incidental, or consequential damages.

8. Governing Law

These Terms are governed by the laws of the State of California. Any disputes related to this Site shall be subject to the exclusive jurisdiction of courts located in Sacramento County, California.

9. Contact Us

If you have questions about these Terms, please contact:

Henry Cheng
Mortgage Loan Officer | NMLS # 1379759
Email: henry@thehenrycheng.com
Phone: 415-500-5805
Address: 1860 Howe Ave #100, Sacramento CA 95825