Terms & Conditions

Last Updated: 27/02/2025

Licensing and Regulatory Compliance

Sea Country Mortgage, Inc. is licensed or registered to conduct mortgage lending and brokering in multiple jurisdictions. We maintain all required state licenses and registrations and comply with each state’s regulatory requirements, as well as federal laws governing mortgage lending. Our Nationwide Mortgage Licensing System (NMLS) identification number is 246471, and our licenses can be verified on the NMLS Consumer Access website. Below is a list of states in which we are authorized to do business, along with our license or registration information in each jurisdiction. (All licenses are current, active, and renewed through the present licensing period. “Mares Mortgage” is an authorized trade name used by Sea Country Mortgage, Inc. in each state listed.)

California: Licensed by the California Department of Real Estate as a Real Estate Corporation with a Mortgage Loan Originator endorsement (License No. 01174680; Original Issue Date: December 04, 2010; Status: Approved/Active, renewed through 2025). Other Trade Name: Mares Mortgage. Regulator Contact – California Department of Real Estate, 1651 Exposition Blvd, Sacramento, CA 95815 (Phone: 877-373-4542). California consumers may contact the DRE for licensing verification or to file complaints.
Colorado: Registered as a Mortgage Company in Colorado (License/Registration: Colorado Mortgage Company Registration, No state license number issued; Original Issue Date: September 13, 2021; Status: Approved/Active through 2025). Other Trade Name: Mares Mortgage. Regulator Contact – Colorado Division of Real Estate (Colorado Department of Regulatory Agencies), 1560 Broadway, Suite 925, Denver, CO 80202 (Phone: 303-894-2166).
Florida: Licensed by the Florida Office of Financial Regulation as a Mortgage Broker (License No. MBR5678; Original Issue Date: September 14, 2022; Status: Active through 2025). Other Trade Name: Mares Mortgage. Regulator Contact – Florida Office of Financial Regulation, Division of Consumer Finance, 200 E Gaines St, Tallahassee, FL 32399 (Phone: 850-487-9687).
Georgia: Licensed by the Georgia Department of Banking and Finance as a Georgia Residential Mortgage Lender (License No. XXXXXXXX; Original Issue Date: 2022; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Georgia Department of Banking and Finance, 2990 Brandywine Road, Suite 200, Atlanta, GA 30341 (Phone: 770-986-1633).
Guam: Authorized as a Mortgage Lender/Broker in Guam (License No. {NMLS 246471}; Original Issue Date: 2022; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Guam Department of Revenue and Taxation, P.O. Box 23607, GMF, GU 96921 (Phone: 671-635-7699).
Hawaii: Licensed by the Hawaii Division of Financial Institutions as a Mortgage Loan Originator Company (License No. HI-246471; Original Issue Date: 2022; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Hawaii Division of Financial Institutions, 335 Merchant Street, Room 221, Honolulu, HI 96813 (Phone: 808-586-2820).
Idaho: Licensed by the Idaho Department of Finance as a Mortgage Broker/Lender (License No. MBL-2080246471; Original Issue Date: April 08, 2022; Status: Active through 2025). Other Trade Name: Mares Mortgage. Regulator Contact – Idaho Department of Finance, 800 Park Blvd, Suite 200, Boise, ID 83712 (Phone: 208-332-8000).
Illinois: Licensed by the Illinois Department of Financial and Professional Regulation as a Residential Mortgage Licensee (License No. MB.XXXXXXX; Issue Date: 2022; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – IDFPR, Division of Banking, 555 West Monroe Street, 5th Floor, Chicago, IL 60661 (Phone: 888-473-4858).
Indiana: Licensed by the Indiana Department of Financial Institutions as a First Lien Mortgage Lending Licensee (License No. 11272; Issue Date: 2022; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Indiana DFI, 30 South Meridian St, Suite 300, Indianapolis, IN 46204 (Phone: 317-232-3955).
Iowa: Licensed by the Iowa Division of Banking as a Mortgage Banker Licensee (License No. 2022-0011; Issue Date: 2022; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Iowa Division of Banking, 200 East Grand Avenue, Suite 300, Des Moines, IA 50309 (Phone: 515-281-4014).
Kansas: Licensed by the Kansas Office of the State Bank Commissioner as a Mortgage Company (License No. MC.002XXX; Issue Date: 2022; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Kansas OSBC, Mortgage Lending Division, 700 SW Jackson Street, Suite 300, Topeka, KS 66603 (Phone: 785-296-2266).
Kentucky: Licensed by the Kentucky Department of Financial Institutions as a Mortgage Company (License No. MC708XXX; Issue Date: 2022; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Kentucky DFI, 500 Mero Street, Frankfort, KY 40601 (Phone: 502-573-3390).
Louisiana: Licensed by the Louisiana Office of Financial Institutions as a Residential Mortgage Lender (License No. RK.XXXXXX-XXX; Issue Date: 2022; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Louisiana OFI, 8660 United Plaza Blvd, 2nd Floor, Baton Rouge, LA 70809 (Phone: 225-925-4660).
Maine: Licensed by the Maine Bureau of Consumer Credit Protection as a Supervised Lender (License No. SLM246471; Issue Date: 2022; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Maine Bureau of Consumer Credit Protection, 35 State House Station, Augusta, ME 04333 (Phone: 207-624-8527).
Maryland: Licensed by the Maryland Commissioner of Financial Regulation as a Mortgage Lender (License No. 246471; Issue Date: 2022; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Maryland Office of Financial Regulation, 1100 N. Eutaw Street, Suite 611, Baltimore, MD 21201 (Phone: 410-230-6100).
Massachusetts: Licensed by the Massachusetts Division of Banks as a Mortgage Lender and Broker (License No. MC246471; Issue Date: 2022; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Massachusetts Division of Banks, 1000 Washington Street, 10th Floor, Boston, MA 02118 (Phone: 617-956-1500).
Michigan: Licensed by the Michigan Department of Insurance and Financial Services as a 1st Mortgage Broker/Lender/Servicer (License No. FL00246471; Issue Date: 2022; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Michigan DIFS, 530 W. Allegan Street, 7th Floor, Lansing, MI 48933 (Phone: 877-999-6442).
Minnesota: Licensed by the Minnesota Department of Commerce as a Residential Mortgage Originator and Servicer (License No. MN-MO-246471; Issue Date: 2022; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Minnesota Department of Commerce, 85 7th Place East, Suite 280, St. Paul, MN 55101 (Phone: 651-539-1600).
Mississippi: Licensed by the Mississippi Department of Banking and Consumer Finance as a Mortgage Lender (License No. 246471; Issue Date: 2023; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Mississippi DBCF, 901 Woolfolk Building, Suite A, Jackson, MS 39201 (Phone: 601-321-6901).
Missouri: Licensed by the Missouri Division of Finance as a Mortgage Company (License No. 21-246471; Issue Date: 2023; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Missouri Division of Finance, 301 W. High Street, Room 630, Jefferson City, MO 65101 (Phone: 573-751-4243).
Montana: Licensed by the Montana Division of Banking & Financial Institutions as a Mortgage Lender (License No. 246471; Issue Date: 2023; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Montana Division of Banking, 301 S. Park Avenue, Suite 316, Helena, MT 59601 (Phone: 406-841-2920).
Nebraska: Licensed by the Nebraska Department of Banking and Finance as a Mortgage Banker (License No. NE246471; Issue Date: 2023; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Nebraska Department of Banking and Finance, 1526 K Street, Suite 300, Lincoln, NE 68508 (Phone: 402-471-2171).
Nevada: Licensed by the Nevada Division of Mortgage Lending as a Mortgage Company (License No. 5151; Issue Date: 2023; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Nevada Division of Mortgage Lending, 3300 W. Sahara Ave, Suite 285, Las Vegas, NV 89102 (Phone: 702-486-0782).
New Hampshire: Licensed by the New Hampshire Banking Department as a Mortgage Banker/Broker (License No. 246471-MB; Issue Date: 2023; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – New Hampshire Banking Dept., 53 Regional Drive, Suite 200, Concord, NH 03301 (Phone: 603-271-3561).
New Jersey: Licensed by the New Jersey Department of Banking and Insurance as a Residential Mortgage Lender (License No. 246471; Issue Date: 2023; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – NJ Dept. of Banking & Insurance, 20 West State Street, Trenton, NJ 08608 (Phone: 609-292-7272).
New Mexico: Licensed by the New Mexico Financial Institutions Division as a Mortgage Loan Company (License No. 246471; Issue Date: 2023; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – New Mexico FID, 2550 Cerrillos Road, Santa Fe, NM 87505 (Phone: 505-476-4885).
North Carolina: Licensed by the North Carolina Commissioner of Banks as a Mortgage Lender (License No. L-180; Issue Date: 2023; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – NC Office of the Commissioner of Banks, 316 W. Edenton Street, Raleigh, NC 27603 (Phone: 919-733-3016).
North Dakota: Licensed by the North Dakota Department of Financial Institutions as a Money Broker (Mortgage) (License No. MB103XXX; Issue Date: 2023; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – North Dakota DFI, 2000 Schafer Street, Suite G, Bismarck, ND 58501 (Phone: 701-328-9933).
Ohio: Licensed by the Ohio Department of Commerce, Division of Financial Institutions as a Mortgage Broker Act Mortgage Lender (Certificate No. SM.501246471; Issue Date: 2023; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Ohio Division of Financial Institutions, 77 South High Street, 21st Floor, Columbus, OH 43215 (Phone: 614-728-8400).
Oklahoma: Licensed by the Oklahoma Department of Consumer Credit as a Mortgage Broker/Lender (License No. MB01246471; Issue Date: 2023; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Oklahoma Dept. of Consumer Credit, 3613 NW 56th St., Suite 240, Oklahoma City, OK 73112 (Phone: 405-521-3653).
Oregon: Licensed by the Oregon Division of Financial Regulation as a Mortgage Lending Licensee (License No. ML-246471; Original Issue Date: 2021; Status: Active through 2025). Other Trade Name: Mares Mortgage. Regulator Contact – Oregon Division of Financial Regulation, 350 Winter St. NE, Suite 410, Salem, OR 97301 (Phone: 503-378-4140).
Pennsylvania: Licensed by the Pennsylvania Department of Banking and Securities as a Mortgage Lender (License No. 72147; Issue Date: 2023; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – PA Dept. of Banking and Securities, 17 N Second Street, Suite 1300, Harrisburg, PA 17101 (Phone: 717-787-2665).
Rhode Island: Licensed by the Rhode Island Department of Business Regulation as a Lender (License No. 2022471LL; Issue Date: 2023; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – RI Dept. of Business Regulation, 1511 Pontiac Ave., Cranston, RI 02920 (Phone: 401-462-9503).
South Carolina: Licensed by the South Carolina Board of Financial Institutions as a Mortgage Broker (License No. MBL - 246471; Issue Date: 2023; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – SC BFI, Consumer Finance Division, 1205 Pendleton Street, Columbia, SC 29201 (Phone: 803-734-2020).
South Dakota: Licensed by the South Dakota Division of Banking as a Mortgage Lender/Broker (License No. ML.05007; Issue Date: 2023; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – South Dakota Division of Banking, 1601 N. Harrison Avenue, Suite 1, Pierre, SD 57501 (Phone: 605-773-3421).
Tennessee: Licensed by the Tennessee Department of Financial Institutions as a Mortgage Lender (License No. 109239; Original Issue Date: 2021; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Tennessee DFI, 312 Rosa L. Parks Avenue, 26th Floor, Nashville, TN 37243 (Phone: 615-741-2236).
Texas: Registered with the Texas Department of Savings and Mortgage Lending (SML) as a Mortgage Company (Texas SML Mortgage Company Registration; No unique license number issued; Original Authorization Date: 2021; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Texas Department of Savings and Mortgage Lending, 2601 North Lamar Blvd, Suite 201, Austin, TX 78705 (Phone: 512-475-1350). Notice to Texas Consumers: Consumers wishing to file a complaint against a mortgage company or a licensed mortgage company residential mortgage loan originator may complete and send a complaint form to the Texas SML (forms and instructions available at the SML website). A toll-free consumer hotline is available at 1-877-276-5550.
Utah: Licensed by the Utah Department of Financial Institutions as a Residential First Mortgage Notification (License No. UT-246471; Issue Date: 2023; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Utah DFI, 324 South State Street, Suite 201, Salt Lake City, UT 84111 (Phone: 801-538-8830).
Vermont: Licensed by the Vermont Department of Financial Regulation as a Mortgage Broker/Lender (License No. 6200; Issue Date: 2023; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Vermont Department of Financial Regulation, 89 Main Street, Montpelier, VT 05620 (Phone: 802-828-3307).
Virginia: Licensed by the Virginia State Corporation Commission Bureau of Financial Institutions as a Mortgage Lender/Broker (License No. MC-246471; Issue Date: 2023; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Virginia SCC – Bureau of Financial Institutions, 1300 East Main Street, Richmond, VA 23219 (Phone: 804-371-9657).
Washington: Licensed by the Washington State Department of Financial Institutions as a Consumer Loan Company (License No. CL-246471; Issue Date: 2023; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Washington DFI, 150 Israel Rd SW, Tumwater, WA 98501 (Phone: 877-746-4334).
West Virginia: Licensed by the West Virginia Division of Financial Institutions as a Mortgage Lender (License No. ML-34657; Issue Date: 2023; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – West Virginia DFI, 900 Pennsylvania Ave., Suite 306, Charleston, WV 25302 (Phone: 304-558-2294).
Wisconsin: Licensed by the Wisconsin Department of Financial Institutions as a Mortgage Banker (License No. 246471BA; Issue Date: 2023; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Wisconsin DFI, Division of Banking, 4822 Madison Yards Way, Madison, WI 53705 (Phone: 608-261-7578).
Wyoming: Licensed by the Wyoming Division of Banking as a Mortgage Lender/Broker (License No. 246471; Issue Date: 2023; Status: Active). Other Trade Name: Mares Mortgage. Regulator Contact – Wyoming Division of Banking, 122 W. 25th Street, Cheyenne, WY 82002 (Phone: 307-777-7797).

(Note: Consumers may verify our licenses and registrations through the NMLS Consumer Access website by searching for NMLS #246471. For any state not listed above, Sea Country Mortgage, Inc. is not currently licensed to conduct mortgage business in that jurisdiction. The information above is updated as of the latest renewal cycle; licenses generally renew annually, with renewal deadlines varying by state (commonly by December 31 or the state’s fiscal year end). All licenses listed are in Approved status. If a license status changes or a new state license is obtained, we will update this disclosure accordingly.)

Regulatory Compliance: Sea Country Mortgage, Inc. complies with all applicable federal and state laws and regulations governing mortgage lending, including but not limited to the Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Equal Credit Opportunity Act (ECOA), Fair Credit Reporting Act (FCRA), the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), and applicable state-specific laws and regulations. We adhere to all licensing conditions, reporting and examination requirements, and record-keeping rules as mandated by regulators in each state. Our mortgage loan originators are individually licensed as required under federal and state law. We maintain a robust compliance management system and conduct regular training to ensure that our operations meet or exceed legal standards for consumer protection and fair lending.

Consumer Protection and Fair Lending

Sea Country Mortgage, Inc. is committed to fair lending and the protection of consumer rights. We are an Equal Housing Lender and do not discriminate against any applicant or borrower on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, disability, familial status, or any other basis prohibited by the Equal Credit Opportunity Act (ECOA) and applicable state fair lending laws. All credit decisions are made in compliance with ECOA and Fair Housing Act requirements, ensuring that every applicant receives fair and equal consideration.

Fair Lending Commitment: We have internal policies in place to ensure fair lending. This includes training our employees on fair lending laws and monitoring our lending practices for compliance. If you believe you have been discriminated against in any way during the loan process, please notify us immediately at 949-489-8300 or monica@maresmortgage.com so we can address your concerns. You also have the right to file a complaint with the Consumer Financial Protection Bureau (CFPB) or the appropriate state regulator listed above if you believe your rights have been violated.

Consumer Disclosures: We provide all required disclosures to consumers in a timely manner as mandated by federal and state law. This includes, for example, the Loan Estimate, Closing Disclosure, and other disclosures under TILA/RESPA Integrated Disclosure (TRID) rules, the Home Mortgage Disclosure Act (HMDA) notice, the CFPB’s Home Loan Toolkit, and any state-specific disclosure forms. We strive to ensure that our communications are clear and understandable. Borrowers have the right to receive a copy of any appraisal or property valuation used in connection with their loan application, in accordance with ECOA guidelines.

Privacy of Consumer Information: We value your privacy and protect your personal information. Financial companies are governed by privacy laws such as the Gramm-Leach-Bliley Act (GLBA). We do not share nonpublic personal information with third parties except as permitted by law and as described in our Privacy Policy (see Data Protection and Privacy section below for more details). We also comply with state privacy laws, including the California Consumer Privacy Act (CCPA) for California residents, which provides you rights regarding the personal information we collect.

Complaint Resolution: If you have a complaint about our services or believe we have not fulfilled our obligations, we encourage you to contact our management so we can resolve the issue. You can reach our compliance department at 949-489-8300 or via email at monica@maresmortgage.com. We will investigate all complaints and respond promptly. If you are not satisfied with the resolution, you may escalate the complaint to the appropriate regulator. For example, residents of California can contact the California Department of Real Estate, and residents of other states may contact their state’s financial regulatory agency (as listed in the Licensing section above). Additionally, consumers can submit complaints to the CFPB at www.consumerfinance.gov/complaint or by calling 1-855-411-2372.

No Guarantee of Approval: All mortgage loan applications are subject to underwriting standards and approval criteria. Compliance with consumer protection laws does not constitute a guarantee that a particular loan will be approved. Factors such as credit history, income, assets, property value, and current market conditions will affect loan approval and terms. Sea Country Mortgage, Inc. will communicate reasons for any adverse action (denial or counteroffer) on an application as required by law, including providing an adverse action notice with information on credit reporting agencies if a credit report was used in the decision.

Website Terms of Use and Legal Disclaimers

By accessing or using the Sea Country Mortgage, Inc. website ( www.maresmortgage.com ), you agree to the following Terms of Use. These terms govern your use of our online services and content. If you do not agree with these terms, please do not use the website.

1. Use of Website Content: The content provided on our website, including articles, calculators, loan information, and other materials, is for informational purposes only. While we strive to keep all information up-to-date and accurate, no content on the site constitutes professional financial advice or an offer to extend credit. Mortgage rates, terms, and availability of loan programs are subject to change without notice. You should always consult directly with our loan officers or seek advice from a qualified financial advisor before making any financial decisions. Reliance on any information on this site is at your own risk. Sea Country Mortgage, Inc. is not liable for actions taken by users based on information on the website.

2. No Warranty: The website and all content are provided on an “as is” and “as available” basis. Sea Country Mortgage, Inc. makes no express or implied warranties or representations regarding the accuracy, reliability, or completeness of the website content. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the website will be available at any particular time or location, that the operation will be uninterrupted or error-free, that any defects will be corrected, or that the site is free of viruses or other harmful components.

3. User Responsibilities and Prohibited Conduct: Users agree to use the website lawfully and ethically. Prohibited activities include, without limitation: (a) using the site for any fraudulent or illegal purpose; (b) attempting to gain unauthorized access to our systems or data, or attempting to disrupt the website’s functionality (e.g., via hacking, introducing malware, or other harmful code); (c) submitting false information or someone else’s personal data without authorization, such as in any inquiry forms or application forms; (d) scraping, data mining, or using automated bots to collect content or information from the site without our express permission; (e) infringing on our intellectual property rights or those of others; (f) using the website to harass, defame, or impersonate any person. We reserve the right to terminate or restrict access to any user who engages in prohibited conduct or who violates these Terms of Use, without notice.

4. Intellectual Property: All content on the website, including text, logos, graphics, videos, design, and software, is the property of Sea Country Mortgage, Inc. or its content suppliers and is protected by copyright, trademark, and other intellectual property laws. Mares Mortgage® and Sea Country Mortgage, Inc. names and logos are trademarks or service marks of Sea Country Mortgage, Inc. You are granted a limited, revocable license to access and use the website for personal, non-commercial use. No content may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way without our prior written consent, except that you may download or print material for your personal use as needed (for example, printing a blog article for reference), provided you do not remove or alter any trademark, copyright, or other proprietary notices.

5. External Links: Our website may contain links to third-party websites or resources for your convenience (for example, links to credit bureaus, educational materials, or regulatory agencies). These external sites are not under the control of Sea Country Mortgage, Inc., and we are not responsible for the content, products, services, or privacy practices of any linked third-party websites. The inclusion of any link does not imply an endorsement or recommendation by us. If you choose to visit any third-party links, you do so at your own risk, and you should review the terms and privacy policies of those sites.

6. Limitation of Liability: To the maximum extent permitted by law, Sea Country Mortgage, Inc. and its directors, officers, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or relating to your access to, or use of, (or inability to access or use) the website or any content on the website. This includes, but is not limited to, damages for errors, omissions, interruptions, defects, delays in operation or transmission, loss of data, or financial losses arising from the use of information provided on the site. In jurisdictions that do not allow the exclusion or limitation of certain damages, our liability in such jurisdictions shall be limited to the extent permitted by law.

7. Not an Offer or Commitment: Nothing on the website constitutes an offer to lend or a guarantee of loan approval. All loan applications are subject to our formal approval process and underwriting. Pre-qualification or any interactive tools on the website are estimates for convenience and do not result in a loan approval or rate lock. Final loan terms, interest rates, and fees are provided in written agreements such as a Loan Estimate or commitment letter when issued. Sea Country Mortgage, Inc. reserves the right to refuse to accept any application or to offer a loan to any applicant, in accordance with applicable laws and regulations (and without discrimination, as noted in our Fair Lending policy).

8. Governing Law and Jurisdiction: These Terms of Use and any use of the website are governed by the laws of the State of California, without regard to its conflict of laws principles. By using this site, you agree that any dispute arising out of or relating to this website or these Terms shall be subject to the exclusive jurisdiction of the state or federal courts located in Orange County, California. You hereby consent to the personal jurisdiction of such courts. (If you are a consumer residing in a state that requires a different dispute resolution mechanism or venue under its laws, those provisions may apply to you to the extent they are mandatorily applicable.)

9. Changes to Terms: Sea Country Mortgage, Inc. reserves the right to modify these Terms of Use at any time. Changes will be effective when posted on the website. We will indicate the date of the latest revision at the top of this page when changes occur. Your continued use of the website after any modifications have been posted constitutes your acceptance of the revised Terms. It is your responsibility to review the Terms periodically for updates.

10. Accessibility: We are committed to ensuring our website is accessible to all users, including those with disabilities. If you have difficulty accessing any part of our site, please contact us so we can assist and make necessary improvements. We can provide information or services through alternative communication methods if needed.

Data Protection and Privacy

Protecting our customers’ personal information is extremely important to us. Any personal data collected by Sea Country Mortgage, Inc. in the course of business – whether through our website (for example, when you fill out a contact form or loan application) or through offline means – is governed by our Privacy Policy and applicable privacy laws.

Privacy Policy: Please refer to our Privacy Policy (available on our website) for full details on how we collect, use, disclose, and protect your personal information. By using our services or website, you acknowledge that you have read and understand our Privacy Policy. Key points include:

We collect only the information necessary to process your inquiries and applications, to provide mortgage services, and to comply with legal and regulatory requirements (such as identifying you and preventing fraud). This may include personal identifiers, contact information, income and asset information, credit information, and other data you provide or authorize us to obtain.
We use your information only for legitimate business purposes, such as evaluating your eligibility for loan products, providing customer service, and sending you communications about your loan or relevant products (if you have consented to such communications where required by law).
We do not sell your personal information to third parties. We may share information with third-party service providers or partners who assist us in running our business (for example, credit bureaus, appraisal companies, loan processors, etc.), but only under strict confidentiality and security obligations and only as allowed by law.
We implement administrative, technical, and physical safeguards to protect your data. This includes encryption of sensitive information, secure storage of documents, and limiting access to personal data to authorized personnel on a need-to-know basis.
For California residents: we comply with the California Consumer Privacy Act (CCPA) and provide California consumers with specific rights regarding their personal information. These include the right to know what personal information is collected and for what purpose, the right to request deletion of personal data (subject to certain exceptions, such as information needed to complete transactions or comply with legal obligations), the right to opt-out of the sale of personal information (note: we do not sell data), and the right not to be discriminated against for exercising privacy rights. Our Privacy Policy provides a toll-free number and/or email for California residents to make such requests and describes the verification process for requests.
We also comply with other state privacy laws as applicable (such as NAIC Model Privacy Act for financial institutions, and other states’ consumer privacy and data security requirements). If you are a resident of a state with specific privacy rights (e.g., Colorado, Virginia, etc.), you may contact us to exercise any applicable rights under those laws.

Data Security: We maintain a comprehensive information security program. All sensitive data transmissions (such as when you apply online or upload documents) are encrypted via Secure Socket Layer (SSL) or similar technologies. We regularly monitor our systems for vulnerabilities and ensure our third-party vendors likewise follow strong security practices. However, no system can be 100% secure – by using our site or services, you acknowledge that you understand these risks. In the unlikely event of a data breach involving your personal information, we will comply with all applicable breach notification laws to inform you and the appropriate authorities in a timely manner.

Cookies and Tracking: Our website may use cookies or similar technologies to enhance user experience, analyze site usage, and for marketing purposes. Please see our Privacy Policy or Cookie Policy for details on what cookies we use and your choices (including how to disable cookies if you wish). By using the site, you consent to our use of cookies and tracking as described in those policies.

Contact and Customer Support

We encourage you to contact us with any questions, concerns, or inquiries regarding your mortgage, our services, or these terms and disclosures. Customer satisfaction is a priority, and we are here to help.

General Inquiries: For general information about loan programs, rates, or to start a new loan application, you can call our main office at (949) 489-8300 during business hours (Monday–Friday 8:00 AM–5:00 PM PT, Saturday 9:00 AM–4:00 PM PT). You may also email us at info@maresmortgage.com or monica@maresmortgage.com. We aim to respond to email inquiries within one business day.

Customer Service and Loan Servicing: If you are a current client and have questions about your existing loan application or need assistance with loan servicing, you may contact your loan officer directly or call our office and ask for Customer Service. Please have your loan number or application ID available for faster assistance. Our team can help address payment questions, escrow inquiries, or any issues you experience.

Disputes and Error Resolution: In the event you identify an error on your account or have a dispute regarding a transaction or our services, please notify us as soon as possible. You can do so by writing to us at our mailing address (Attn: Customer Support – Dispute Resolution, 32172-A Camino Capistrano, San Juan Capistrano, CA 92675) or by emailing monica@maresmortgage.com with the subject line “Dispute” or “Error Resolution”. Provide as much detail as possible about the issue (e.g., transaction date, description of the error, expected correct outcome). We will acknowledge receipt of your dispute within 5 business days and will investigate promptly. In accordance with federal regulations (such as RESPA for servicing errors), we will correct any confirmed error or provide a written explanation of our findings within the required timeframe.

Regulator and Agency Contacts: If you wish to escalate a complaint externally, you may contact the relevant regulatory authority in your state as listed in the Licensing section. Additionally, the Consumer Financial Protection Bureau (CFPB) accepts complaints related to mortgage loans; you can submit a complaint online or by phone as noted above. California residents may also contact the Department of Real Estate or Department of Financial Protection and Innovation (DFPI) for certain mortgage-related complaints. Texas residents have specific rights to complain as noted in the Texas disclosure above. We have provided regulator contact information alongside each state license for your convenience.

Loan Estimate and Application Questions: If you have questions about a Loan Estimate, Closing Disclosure, or any documents you received during the application process, our loan officers and support staff are available to explain and clarify. Do not hesitate to reach out if you need help understanding your loan terms or conditions.

Further Information: For additional information about Sea Country Mortgage, Inc., our licenses, or these terms, you can reach our Compliance Officer at 949-489-8300. You may also refer to the Licensing Information page on our website (under our disclosures section) for the latest updates on our licenses and regulatory notices.

This Legal and Terms of Service section is intended to provide important disclosures and terms to our clients and website users. It does not replace or supersede any specific contract or agreement you may have with Sea Country Mortgage, Inc. (for example, the terms of a promissory note or loan agreement). In the event of any conflict between this summary and the terms of a signed agreement, the signed agreement will govern for that specific transaction.

By doing business with Sea Country Mortgage, Inc. or using our website, you acknowledge that you have read, understood, and agreed to these terms and disclosures.