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Terms of Use

Welcome to https://nathancarpenter.loans/  (the “Website”). This Website is associated with Nathan Carpenter, a mortgage loan originator affiliated with ARBOR Financial Group (“ARBOR”).

These Terms of Use (“Terms”) govern your access to and use of the Website. By accessing or using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree with these Terms, please do not use the Website.

1. Acceptance of Terms

By accessing, browsing, or using this Website, you agree to comply with these Terms of Use and our Privacy Policy.

These Terms apply to all visitors and users of the Website.

We reserve the right to update or modify these Terms at any time. Changes become effective when posted on this page. Your continued use of the Website after changes are posted constitutes acceptance of the revised Terms, subject to applicable law.

2. Eligibility and Intended Use

This Website is intended for individuals who are at least 18 years of age and reside in the United States.

By using this Website, you represent that you meet these requirements.

The Website provides general information about mortgage lending and services associated with Nathan Carpenter and ARBOR Financial Group. Access to the Website does not establish a lender-borrower relationship or guarantee eligibility for any loan product.

3. General Information and Mortgage Disclaimer

The information provided on this Website is for general informational and educational purposes only. It is not intended to constitute financial, legal, tax, or other professional advice.

Information on this Website does not constitute a loan offer, loan commitment, approval, or guarantee of financing.

All loans are subject to credit approval, underwriting requirements, applicable terms and conditions, and other eligibility requirements. Loan terms, rates, fees, and availability may vary depending on individual circumstances, property eligibility, loan program requirements, and applicable regulations.

Submitting an inquiry or completing a contact form does not guarantee loan approval or obligate ARBOR Financial Group to provide financing.

For specific information about your circumstances, please contact Nathan Carpenter or an authorized representative of ARBOR Financial Group.

4. Intellectual Property and Website Content

The content, materials, design, layout, graphics, logos, trademarks, branding, text, images, and other materials displayed on this Website may be owned by Nathan Carpenter, ARBOR Financial Group, or their respective licensors and rights holders.

These materials are protected by applicable intellectual property laws.

You may access and use the Website for personal, lawful, and informational purposes only.

You may not, without prior written permission from the applicable rights holder:

  • Copy, reproduce, modify, distribute, or republish Website content.
  • Reuse or reproduce company branding, logos, trademarks, or design elements.
  • Create derivative works based on Website content.
  • Use Website materials for unauthorized commercial purposes.
  • Remove copyright, trademark, or other proprietary notices.

All rights not expressly granted in these Terms are reserved by the applicable rights holder.

5. Prohibited Activities

You agree to use the Website only for lawful purposes and in accordance with these Terms.

You may not:

  • Use the Website in violation of applicable laws or regulations.
  • Attempt to gain unauthorized access to the Website, its servers, or related systems.
  • Engage in hacking, malicious activity, or attempts to disrupt Website operations.
  • Use automated tools, bots, or scraping methods to extract Website content or data without authorization.
  • Submit spam, fraudulent inquiries, or misleading information.
  • Impersonate Nathan Carpenter, ARBOR Financial Group, or another individual or organization.
  • Introduce malicious code, viruses, or other harmful materials.
  • Interfere with the security, functionality, or proper operation of the Website.
  • Use the Website to engage in fraudulent, abusive, or deceptive activities.

We reserve the right to restrict or terminate access to the Website when we reasonably believe that a visitor has violated these Terms or applicable law.

6. Third-Party Links and Services

The Website may contain links to third-party websites, services, or resources, including websites operated by ARBOR Financial Group or other service providers.

These links are provided for convenience and informational purposes. We do not control or necessarily endorse third-party websites, and we are not responsible for their content, availability, privacy practices, or security.

Your use of third-party websites is subject to the terms and policies of those websites.

7. Disclaimer of Warranties

To the extent permitted by applicable law, the Website and its content are provided on an “as is” and “as available” basis.

We do not warrant or guarantee that:

  • The Website will always be available, uninterrupted, or error-free.
  • The information provided will always be complete, accurate, or current.
  • The Website will be free from viruses or other harmful components.
  • Any particular result, loan approval, or financing outcome will be achieved through use of the Website.

Nothing in these Terms is intended to exclude or limit any warranty, right, or protection that cannot lawfully be excluded or limited.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Nathan Carpenter and the applicable parties responsible for operating and maintaining this Website shall not be liable for any indirect, incidental, special, consequential, or other damages arising out of or related to your use of, or inability to use, the Website or its content.

This includes, to the extent permitted by law, losses arising from reliance on Website information, interruptions, technical issues, unauthorized access, or third-party links.

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited under applicable law.

9. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Nathan Carpenter and the applicable parties responsible for operating and maintaining this Website from claims, liabilities, damages, losses, and expenses arising out of or related to:

  • Your violation of these Terms.
  • Your misuse of the Website.
  • Your violation of applicable laws or the rights of another person or entity.

This provision applies to the extent permitted by applicable law.

10. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles.

To the extent permitted by applicable law, any dispute arising out of or relating to these Terms or your use of the Website shall be brought in the state or federal courts located in Orange County, California.

You agree to the jurisdiction and venue of those courts, subject to any applicable legal requirements.

11. Time Limit for Claims

To the extent permitted by applicable law, any claim or cause of action you may have arising out of or relating to these Terms or your use of the Website must be filed within one (1) year after the claim or cause of action arose.

Any claim not filed within this period shall be barred to the extent permitted by applicable law.

This provision does not limit any rights or claims that cannot legally be restricted by contract.

12. Contact Information

ARBOR Financial Group

Equal Housing Lender. In all jurisdictions, the principal (NMLS: 236669)

Licensed location: 1805 E. Garry Avenue, Santa Ana, CA 92705

Tel: (866) 639-6554

Fax: (714) 361-1392

For feedback and communications relating to the website or any technical support request, please contact:

Phone: 866-521-6488

Email: info@arborfg.com

Last Updated: September 17, 2026