Terms of Use

These Terms of Use govern your use of this website, operated by Team Wilburn's Refis under Gold Standard Mortgage. By accessing or using the site, you agree to these terms. If you do not agree, please do not use the site.

The content on this site is provided for general informational purposes and does not constitute financial, legal, or tax advice. Any rates, payments, savings, or examples shown are illustrative, are not offers, and are not a commitment to lend. Actual rates, terms, and eligibility depend on your specific circumstances, credit, equity, loan program, and market conditions, and are subject to change without notice.

Submitting the rate alert form or otherwise contacting us does not create a loan application, a rate lock, or an obligation on either side. All loans are subject to credit approval, underwriting guidelines, and program availability. Not all applicants will qualify.

Team Wilburn's Refis operates under Gold Standard Mortgage, a California licensed mortgage broker. Equal Housing Lender. Licensing identifiers are shown in the site footer.

You agree to provide accurate information and to use the site only for lawful purposes. You may not misuse the site, attempt to disrupt it, or use it to submit false or fraudulent information.

The site may link to or rely on third-party services. We are not responsible for the content, policies, or practices of third parties. Your use of those services is governed by their own terms.

The site is provided on an as-is basis without warranties of any kind. To the fullest extent permitted by law, Team Wilburn's Refis and Gold Standard Mortgage are not liable for any damages arising from your use of the site or reliance on its content.

These terms are governed by the laws of the State of California. We may update these terms from time to time, and continued use of the site means you accept the updated terms. Questions can be directed to us through our contact page.