Terms of Service

1. Acceptance of Terms

By accessing and using this website, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use this website. This website is operated by Kelvin Craver, a licensed mortgage loan originator (NMLS #2009272, CA DRE #02087655), licensed under KCDH Partners, Inc. and operating under Serv Corp (DRE #02103630, NMLS #1912675).

2. Services Description

This website provides information about mortgage lending services including residential home loans, investment property financing, refinancing, and commercial loans. The information on this website is for general informational purposes only and does not constitute a loan offer, commitment to lend, or financial advice.

• All loans are subject to credit approval and qualification
• Not all applicants will qualify
• Rates, terms, and availability are subject to change without notice
• This is not a commitment to lend

3. No Guarantee of Approval

Nothing on this website constitutes a guarantee or promise of loan approval, specific interest rates, or loan terms. Pre-qualification is not a commitment to lend and does not guarantee loan approval. All mortgage applications are subject to underwriting review, credit verification, and property appraisal.

4. Contact Form and Communications

When you submit information through our contact form, you are requesting to be contacted about mortgage services. Our contact form includes two separate consent checkboxes with distinct purposes:

Required consent: By checking the required contact consent checkbox, you expressly consent to receive:

• Phone calls to the number provided
• Emails to the address provided

This consent is required to use our contact form and enables us to respond to your mortgage inquiry. It does not include consent for SMS text messages.

Optional SMS consent: By additionally checking the separate optional SMS consent checkbox, you expressly consent to receive:

• Text messages (SMS) to the number provided, as described in Section 5 (SMS Program Description)

SMS consent is always optional and is never required to use our services or receive a response to your inquiry. Message and data rates may apply for text messages. Message frequency varies. You may opt out of text messages at any time by replying STOP. You may opt out of emails by clicking the unsubscribe link in any email. See our Privacy Policy for details on how we handle your information.

5. SMS Program Description and Messaging Use Cases

KCDH Partners, Inc. (doing business as Crave Loans) operates an SMS messaging program to communicate with prospective and current mortgage clients. By opting in, you consent to receive the following types of text messages from Crave Loans:

• Appointment Confirmations: Confirmation of scheduled discovery calls and consultations
• Appointment Reminders: Reminders before your scheduled call (24 hours and 1 hour prior)
• Follow-Up Messages: Follow-up on your mortgage inquiry if we haven't connected yet
• Application & Document Updates: Notifications about your application status and document checklist
• Loan Status Updates: Updates on the progress of your mortgage application

Message Frequency: Message frequency varies based on your interaction with our services. You may receive up to 10 messages per month during active communication, and up to 1 message per month during long-term follow-up.

Opt-Out: You may opt out at any time by replying STOP to any text message. After opting out, you will receive one final confirmation message and no further texts will be sent.

Help: Reply HELP to any text message for assistance, or contact us at (323) 886-7676 or kelvin@craveloans.com.

Cost: Message and data rates may apply. Check with your wireless carrier for details about your messaging plan.

Supported Carriers: Our SMS program is supported by all major U.S. carriers including AT&T, T-Mobile, Verizon, and others. Carriers are not liable for delayed or undelivered messages.

Privacy: Your phone number and personal information will not be shared with third parties for marketing purposes. See our Privacy Policy for full details.

6. Accuracy of Information

While we strive to keep the information on this website accurate and up to date, we make no warranties or representations about the accuracy, completeness, or reliability of any information on this site. Mortgage rates, programs, and guidelines change frequently. Contact us directly for the most current information about your specific situation.

7. Third-Party Links

This website may contain links to third-party websites and services, including our loan application portal. We are not responsible for the content, privacy practices, or terms of service of third-party websites. Use of third-party services is at your own risk and subject to their respective terms.

8. Intellectual Property

All content on this website — including text, graphics, logos, and design — is the property of Kelvin Craver and is protected by copyright and intellectual property laws. You may not reproduce, distribute, or use any content from this website without prior written permission.

9. Limitation of Liability

To the fullest extent permitted by law, Kelvin Craver, KCDH Partners Inc., and Serv Corp shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website or reliance on any information provided herein. This website is provided "as is" without warranties of any kind.

10. Equal Housing Lender

We are an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, receipt of income from public assistance programs, or exercise of rights under the Consumer Credit Protection Act. All applications are evaluated based on objective lending criteria.

11. Licensing Information

Kelvin Craver | NMLS #2009272 | CA DRE #02087655
Licensed under Serv Corp | DRE #02103630 | NMLS #1912675
KCDH Partners, Inc.
Equal Housing Lender

You can verify licensing information at NMLSConsumerAccess.org.

12. Carrier Liability Disclaimer

Wireless carriers are not liable for delayed or undelivered messages. Message delivery is subject to effective transmission from your network operator and is outside our control. You acknowledge that wireless carriers, including but not limited to T-Mobile, AT&T, Verizon, and other carriers, are not responsible for the content, timeliness, or delivery of any messages sent through our SMS program.

13. Age Restriction

You must be at least 18 years of age to use this website and our services, including opting in to receive text messages. By using this website and submitting your information, you confirm that you are at least 18 years old.

14. Governing Law

These Terms of Service are governed by the laws of the State of California. Any disputes arising from your use of this website shall be resolved in the courts of Los Angeles County, California.

15. Changes to These Terms

We reserve the right to update these Terms of Service at any time. Changes will be posted on this page with an updated revision date. Your continued use of this website after changes are posted constitutes your acceptance of the updated terms.

16. Contact

If you have questions about these Terms of Service, contact:

Kelvin Craver
NMLS #2009272 | CA DRE #02087655
South Pasadena, California
team@craveloans.com