Terms of Service

1 Acceptance of Terms

These Terms of Service ("Terms") govern your use of the website located at mhlendingservices.com (the "Website") and the mortgage loan origination services offered by MobileHomeLoans.com, doing business as MH Lending Services (collectively, "we," "us," "our," or "Company"), NMLS ID #1776858.

By accessing the Website, submitting an inquiry or application, or otherwise using our services, you ("you," "your," or "user") agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

If you are using the Website on behalf of an entity, you represent that you have the authority to bind that entity to these Terms.

These Terms are effective as of May 1, 2026.

2 Description of Services

2.1 Nature of Services

MH Lending Services provides mortgage loan origination services for manufactured and mobile homes. We are a licensed mortgage loan originator (MLO), not a mortgage lender. Our role is to assist you in applying for and obtaining mortgage loans from third-party lenders.

2.2 Services Offered

Our services include, but are not limited to:

• Assisting you in completing a mortgage loan application for manufactured or mobile home financing
• Reviewing your loan eligibility and explaining available loan programs
• Submitting your completed application to one or more lenders for review and approval
• Coordinating with lenders, title companies, appraisers, and other settlement service providers on your behalf
• Providing required federal and state mortgage disclosures
• Guiding you through the loan process from application to closing

2.3 Informational Content

The information provided on our Website — including blog articles, guides, calculators, and FAQs — is for general informational and educational purposes only. It does not constitute legal, financial, or tax advice. You should consult qualified professionals for advice specific to your situation.

2.4 Loan Calculators

Any mortgage calculators or payment estimators on our Website are provided for illustrative purposes only. Results are estimates based on the inputs you provide and do not reflect actual loan terms, rates, or payments. Actual loan terms will depend on lender approval, applicable interest rates, and other factors.

3 Licensing & Regulatory Disclosures

3.1 Federal NMLS ID

Justin Malone — NMLS ID #1776858

N Verify at NMLS Consumer Access — www.nmlsconsumeraccess.org

3.2 State Licenses

MH Lending Services holds the following active state mortgage loan originator licenses:

3.3 California-Specific Disclosure

For California consumers: Justin Malone is licensed by the California Department of Real Estate, DRE License #02062515. Real estate broker activity for mortgage loan origination is conducted under the authority of this license. California Bureau of Real Estate — www.dre.ca.gov.

3.4 NMLS Consumer Access

You may verify the licensing information for MH Lending Services and Justin Malone by visiting the Nationwide Multistate Licensing System & Registry (NMLS) Consumer Access website at www.nmlsconsumeraccess.org.

4 Geographic Restrictions

MH Lending Services is only licensed and authorized to originate mortgage loans for properties located in the following states:

• Arizona
• California
• Idaho
• Oregon
• Washington

Nothing on this Website constitutes an offer to originate a mortgage loan in any jurisdiction where we are not licensed or where such offer would be unlawful.

5 Not a Loan Commitment

Submission of a loan application or inquiry through our Website or directly to us does not constitute a loan commitment, loan approval, or guarantee of financing. All loans are subject to:

• Verification of all information provided in the application
• Satisfactory credit review and underwriting by the applicable lender
• Acceptable property appraisal and title review
• Compliance with applicable lender guidelines and underwriting standards
• Receipt of all required documentation and disclosures
• Final lender approval

A loan commitment, if issued, will be provided only in a separate written document signed by an authorized representative of the applicable lender. Verbal representations made by any person do not constitute a loan commitment.

6 No Guarantee of Rates or Terms

Interest rates, fees, and loan terms are subject to change without notice and are determined by lenders based on market conditions, your creditworthiness, loan characteristics, and other factors. Any rates or terms discussed with you are illustrative only and not guaranteed until a formal Loan Estimate is issued pursuant to the Truth in Lending Act (TILA), 15 U.S.C. § 1601, and its implementing regulation, Regulation Z, 12 CFR Part 1026.

7 Intellectual Property

All content on this Website — including text, graphics, logos, images, calculators, tools, and software — is the property of MobileHomeLoans.com or its content suppliers and is protected by applicable United States and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Website for personal, non-commercial purposes related to obtaining mortgage loan origination services from us. You may not:

• Copy, reproduce, distribute, or create derivative works from our content without prior written permission
• Use any data mining, robots, scraping, or similar data gathering tools
• Frame or mirror any portion of the Website on another website
• Remove or alter any copyright, trademark, or other proprietary notice

8 User Conduct and Prohibited Uses

You agree to use the Website and our services only for lawful purposes and in accordance with these Terms. You must not use the Website to:

• Provide false, misleading, or fraudulent information on any loan application or inquiry form
• Impersonate another person or entity
• Engage in mortgage fraud or any activity in violation of federal or state law, including the False Statements Act (18 U.S.C. § 1014) or the bank fraud statutes
• Transmit any unauthorized advertising, spam, or other unsolicited communications (in violation of the CAN-SPAM Act, 15 U.S.C. § 7701)
• Attempt to gain unauthorized access to our systems or data
• Interfere with or disrupt the integrity or performance of the Website
• Engage in any activity that could harm us, our clients, or any third party

We reserve the right to terminate your access to the Website and our services if you violate these provisions.

9 Third-Party Links

Our Website may contain links to third-party websites, including those of lenders, mortgage insurance providers, government agencies, and other resources. These links are provided for convenience only. We do not control, endorse, or assume any responsibility for the content, privacy practices, or accuracy of third-party websites.

Visiting third-party websites is at your own risk and subject to their terms and policies. We are not liable for any damages arising from your use of third-party websites linked from our site.

10 Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, MH LENDING SERVICES, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THIS WEBSITE OR OUR SERVICES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, data, or business opportunities
• Errors, interruptions, or unavailability of the Website
• Unauthorized access to or alteration of your information
• Decisions made in reliance on information provided on the Website

IN NO EVENT SHALL OUR AGGREGATE LIABILITY EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US FOR SERVICES IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

SOME STATES DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR EXCLUSION OF CERTAIN DAMAGES. IF YOU ARE LOCATED IN SUCH A STATE, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. CALIFORNIA, OREGON, AND WASHINGTON RESIDENTS MAY HAVE ADDITIONAL RIGHTS UNDER APPLICABLE STATE LAW.

11 Indemnification

You agree to indemnify, defend, and hold harmless MH Lending Services, its affiliates, officers, directors, employees, agents, licensors, and service providers from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your use of the Website or our services
• Your violation of these Terms
• Your violation of any applicable law, regulation, or third-party right
• Any false or misleading information you provide to us
• Your mortgage fraud or any fraudulent activity in connection with a loan application

12 RESPA Disclosure

12.1 No Fees for Referrals

In accordance with Section 8 of the Real Estate Settlement Procedures Act (RESPA), 12 U.S.C. § 2607, MH Lending Services does not pay or receive any fee, kickback, or thing of value in exchange for referrals of settlement service business involving federally related mortgage loans, unless otherwise permitted by law or CFPB regulation.

12.2 Affiliated Business Arrangements

When we refer you to a settlement service provider (such as a title company, escrow officer, or appraiser), we will provide you with any required AfBA disclosure before making such a referral. You are not required to use any particular settlement service provider, and your choice of provider will not affect your loan terms.

12.3 Mortgage Servicing Disclosure

We are required to notify you of the possibility that the loan we originate for you may be transferred or sold to another loan servicer after closing. You will receive written notification of any such transfer in accordance with RESPA Section 6 (12 U.S.C. § 2605) at least 15 days before the effective date of the transfer.

13 Equal Housing Opportunity

MH Lending Services is an Equal Housing Opportunity lender. We comply with the Fair Housing Act (42 U.S.C. § 3604), the Equal Credit Opportunity Act (15 U.S.C. § 1691 et seq. / ECOA), and all applicable federal and state fair lending laws.

We make mortgage loans without regard to race, color, religion, national origin, sex, handicap, familial status, sexual orientation, gender identity, age (provided the applicant has the capacity to enter into a contract), or because all or part of an applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

If you believe you have been discriminated against in violation of fair lending laws, you may:

• Contact the Consumer Financial Protection Bureau (CFPB): consumerfinance.gov/complaint or (855) 411-2372
• Contact the U.S. Department of Housing and Urban Development (HUD): hud.gov/fairhousing or (800) 669-9777
• Contact your applicable state mortgage regulator (see Section 15)

14 Dispute Resolution and Governing Law

14.1 Governing Law

These Terms and any dispute arising out of or related to your use of our Website or services shall be governed by the laws of the State of California (or the state where the subject property is located, as applicable), without regard to its conflict of law principles, except to the extent preempted by applicable federal law.

14.2 Dispute Resolution

Before initiating any legal proceeding, we encourage you to contact us directly to attempt to resolve any dispute informally. Please contact us at the information provided in Section 15.

14.3 Applicable Regulatory Remedies

Nothing in these Terms limits your right to file a complaint with the applicable state mortgage regulator or federal regulatory agency. See Section 15 for regulator contact information.

14.4 Venue

Any legal action arising under these Terms shall be brought exclusively in the state or federal courts located in Orange County, California, unless applicable law requires otherwise.

15 Contact Information and Regulatory Complaints

15.1 Contact MH Lending Services

15.2 State Mortgage Regulators

You may file a complaint about mortgage loan origination services with the following state regulatory authorities:

• Arizona — Department of Insurance and Financial Institutions (DIFI) 100 N. 15th Ave., Suite 261, Phoenix, AZ 85007
  Phone: (602) 364-2999  |  difi.az.gov
• California — Department of Real Estate (DRE) 2201 Broadway, Sacramento, CA 95818
  Phone: (877) 373-4542  |  dre.ca.gov
• Idaho — Department of Finance 800 W. State St., Boise, ID 83702
  Phone: (208) 332-8000  |  finance.idaho.gov
• Oregon — Division of Financial Regulation (DFR) PO Box 14480, Salem, OR 97309
  Phone: (888) 877-4894  |  dfr.oregon.gov
• Washington — Department of Financial Institutions (DFI) PO Box 41200, Olympia, WA 98504
  Phone: (877) 746-4334  |  dfi.wa.gov
• Federal — Consumer Financial Protection Bureau (CFPB) Phone: (855) 411-2372  |  consumerfinance.gov/complaint

16 Changes to Terms

We reserve the right to modify these Terms at any time. If we make material changes, we will update the "Last Updated" date at the top of this page and notify you by posting a prominent notice on our Website homepage. For significant changes that affect your legal rights, we will provide at least 30 days' notice before the changes take effect.

Your continued use of the Website or our services after the effective date of any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.