Terms of Use

Welcome to jcloanofficer.com, operated by Johnny Calderón with Efinity Financial LLC dba Efinity Mortgage (NMLS #1043983). By using this website, you agree to these terms. Please read them before using the site.

1. Acceptance of Terms

By visiting or using jcloanofficer.com, you agree to be bound by these Terms of Use and our Privacy Policy. If you don't agree with these terms, please don't continue using the site. We may update these terms from time to time, and continuing to use the site after changes are posted means you accept the updated terms.

2. Use of the Site

This site is made available for your personal, informational use. You agree not to use automated tools like bots or scrapers to collect content from this site, not to attempt to interfere with how the site functions, and not to use the site for any unlawful purpose.

3. Content & Intellectual Property

The text, images, logo, and other content on this site belong to Efinity Financial LLC dba Efinity Mortgage or its licensors, and are made available for your personal, non-commercial use. You may not copy, republish, or redistribute this content without our permission.

4. Text Message & Email Communications

If you opt in to receive text messages or provide your email to get in touch, message frequency can vary depending on your inquiry and communication preferences, generally up to around 8 messages a month covering things like appointment reminders and follow-ups. You can opt out of text messages anytime by replying STOP, or unsubscribe from emails using the link in the message.

5. Third-Party Services & Links

This site uses third-party services including JotForm for our contact form and Calendly for scheduling consultations, and may link to third-party sites like Eventbrite or Instagram for events. We don't control those services and aren't responsible for their content or practices; your use of them is subject to their own terms and privacy policies.

6. Important Notice About Loan Information

The content on this website, including loan program descriptions, is provided for general informational purposes and doesn't constitute a loan offer or commitment. Rates, terms, and program requirements are subject to change without notice. Final loan approval depends on underwriting, credit review, and verification of your information.

7. Limitation of Liability

This site is provided on an "as is" basis, and we don't guarantee it will be error-free or uninterrupted. To the extent permitted by law, we aren't liable for any loss or damage arising from your use of this site or its content.

8. Governing Law

These terms are governed by the laws of the United States and the State of Texas, without regard to conflict of law principles.

9. Changes to These Terms

We may update these terms from time to time. Any changes will be posted on this page.

10. Contact Us

If you have questions about these terms, you can reach Johnny Calderón at 480-740-3626 or johnny.calderon@efinitymortgage.com, or contact Efinity Financial LLC dba Efinity Mortgage at 6805 N Capital of Texas Hwy #250, Austin, TX 78731.