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Terms of Use

The terms for using this website, its calculators, and its forms.

About these terms

These terms cover your use of www.zyng.com, the website of ZYNG Mortgage, Inc. (NMLS #76801). By using the site, you agree to them. They are about the website only. If you apply for a loan, your loan documents and disclosures set the terms of that loan.

Information on this site

The articles, guides, and answers on this site are general information, not financial, legal, or tax advice. Talk with a loan officer about your situation, and with a tax or legal professional where it matters.

Rates, fees, and programs change often and depend on your credit, your property, and other details. Anything shown here can change without notice. All loans are subject to credit approval. Not every program is available in every state.

Calculators and estimates

Our calculators, rate tables, and estimates are for illustration only. They are not a loan offer, a commitment to lend, or a guarantee of any rate, amount, or payment. Your actual numbers depend on a full application, an appraisal where required, and pricing on the day your loan is locked.

Our forms

When you send a form, please give accurate information. Do not send Social Security numbers, account numbers, passwords, or financial documents through our forms or by email. When you are ready to apply, the Apply buttons open our secure online application.

How we use what you send is explained in our Privacy Policy. Text messages are covered by our Text Message Terms.

Withdrawing consent

You can withdraw consent to calls, texts, or emails at any time and by any reasonable means, including replying STOP to a text, using the unsubscribe link in an email, calling us at 530-888-6000, or emailing legal@zyng.com. We will honor your request promptly.

Using the site fairly

Please don't:

  • use the site for anything unlawful or misleading;
  • send someone else's information without their permission;
  • try to get around its security, overload it, or collect its content with automated tools;
  • send spam, viruses, or other harmful code.

We may block access to anyone who misuses the site.

Our content

The text, design, logos, photos, and tools on this site belong to ZYNG Mortgage, Inc. or are used with permission. You may view and print pages for your own personal use. Please don't copy, republish, or sell them without our written permission.

We link to other websites, such as NMLS Consumer Access, government agencies, and our online application. We don't control those sites, and their own terms and privacy policies apply there.

Our responsibility

We work to keep this site accurate and available, but we provide it as it is. We can't promise it will always be error-free or online. To the extent the law allows, ZYNG Mortgage, Inc. is not responsible for losses that come from using the site or relying on its general information. Nothing in these terms limits rights you have under the law that cannot be limited.

Governing law

These terms are governed by the laws of the State of California.

Changes and contact

We may update these terms. The version on this page is the one in effect. Questions? Call us at 530-888-6000 or email legal@zyng.com. Our address is ZYNG Mortgage, Inc., 215 Maple St, Auburn, CA 95603.

Josh BorbaJosh BorbaLoan Officer · NMLS #76821
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