Terms of Service

1. Acceptance of Terms

By accessing or using gocitycenter.com (the “Site”), you agree to these Terms of Service and our Privacy Policy. If you do not agree, do not use the Site.

2. Mortgage Brokerage Disclaimer

City Center Financial is a mortgage broker, not a direct lender. Information on this Site is for general educational purposes only and does not constitute a commitment to lend, a loan approval, a rate lock, or an offer to enter into any financing agreement.

All applications are subject to credit approval, underwriting guidelines, documentation verification, property eligibility, and market conditions. Rates, fees, and terms can change without notice. Calculators on this Site provide estimates only and are not guarantees of payment or qualification.

3. Licensing & Equal Housing

City Center Financial operates as a California mortgage brokerage. Licensing information:

Samuel S. Heng — NMLS #353383 · DRE #01837543
Company — NMLS #312494
3626 Fair Oaks Blvd, Suite 100, Sacramento, CA 95864

We support Equal Housing Opportunity and comply with the Fair Housing Act and Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, familial status, or any other protected class under applicable law.

4. Pre-Approval & Form Submissions

When you submit information through our forms or pre-approval tools, you agree to:

• Provide accurate, current, and complete information
• Not submit false, misleading, or unauthorized information about yourself or others
• Authorize City Center Financial and its wholesale lending partners to obtain credit reports and verify employment, income, and other application data as part of the pre-approval or loan process, where permitted by law and with required disclosures

5. Intellectual Property

All content, branding, logos, text, graphics, and code on the Site are owned by City Center Financial or its licensors and are protected by applicable intellectual property laws. You may not copy, scrape, redistribute, or commercially exploit Site content without prior written permission.

6. Limitation of Liability

To the fullest extent permitted by California law, City Center Financial and its officers, employees, and agents are not liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Site, including errors in content, downtime, or form interruptions. Nothing in these Terms limits liability that cannot be limited under applicable law.

7. Third-Party Links

The Site may link to third-party websites or lender portals. We do not control and are not responsible for their content, privacy practices, or security. Your use of third-party sites is at your own risk.

8. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles. Venue for disputes arising from these Terms or the Site shall be in the state or federal courts located in Sacramento County, California, unless applicable law requires otherwise.

9. Changes

We may update these Terms from time to time. The “Last updated” date will change when we do. Continued use of the Site after changes constitutes acceptance where permitted by law.

10. Contact

City Center Financial
3626 Fair Oaks Blvd, Suite 100
Sacramento, CA 95864
Phone: (916) 500-0177
Samuel S. Heng, NMLS #353383 · Company NMLS #312494

Related pages: Privacy Policy · Do Not Sell or Share