Effective Date: July 2026
Welcome to thomashocking.com. By accessing or using this website, you agree to comply with these Terms & Conditions. If you do not agree with these terms, please refrain from using this website.
1. Use of the Website
You agree to use this website only for lawful purposes and in a manner that does not infringe upon the rights of others or restrict their use of the website.
You agree not to:
- Use the website in any way that may damage, disable, or impair its functionality.
- Attempt to gain unauthorized access to any portion of the website, servers, or networks.
- Upload or transmit malicious software, viruses, or harmful code.
- Use the website for fraudulent, illegal, or unauthorized purposes.
2. Intellectual Property
All content on this website, including text, graphics, images, logos, icons, videos, downloadable materials, and website design, is the property of Thomas Hocking unless otherwise stated and is protected by applicable intellectual property laws.
No content may be copied, reproduced, distributed, modified, or republished without prior written permission.
3. Information Submitted Through the Website
If you submit information through contact forms or other features of the website, you agree that:
- The information you provide is accurate and complete.
- You have the legal right to provide the information.
- We may use your information to respond to your inquiries and provide requested services in accordance with our Privacy Policy.
Submitting information through this website does not establish a lender-client relationship or guarantee approval for any mortgage product.
4. Mortgage & Financial Information Disclaimer
The information provided on this website is intended for general informational purposes only and should not be considered financial, mortgage, legal, or tax advice.
Mortgage programs, loan requirements, interest rates, eligibility criteria, and lending guidelines may change without notice and may vary based on individual circumstances.
You should consult with qualified financial, legal, or tax professionals before making important financial decisions.
5. No Guarantee of Loan Approval
Using this website or contacting Thomas Hocking does not guarantee mortgage approval, loan eligibility, interest rates, or financing terms.
All mortgage applications remain subject to lender approval, verification of information, underwriting requirements, and applicable regulations.
6. Third-Party Websites
Our website may contain links to third-party websites for your convenience.
We do not control or endorse the content, services, privacy practices, or policies of third-party websites and are not responsible for any information or services they provide.
7. Limitation of Liability
To the fullest extent permitted by law, Thomas Hocking shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:
- Your use of this website.
- Your inability to access the website.
- Reliance on information published on the website.
- Errors, omissions, interruptions, or technical issues.
Your use of this website is entirely at your own risk.
8. Website Availability
We strive to keep the website available and functioning properly. However, we do not guarantee uninterrupted access and may suspend, modify, or discontinue any part of the website without prior notice.
9. Changes to These Terms
We reserve the right to update or modify these Terms & Conditions at any time.
Changes become effective immediately upon publication on this page. Your continued use of the website constitutes acceptance of the revised Terms.
10. Governing Law
These Terms & Conditions shall be governed by and interpreted in accordance with the applicable laws of the State of California and the United States, without regard to conflict of law principles.
11. Contact Information
If you have any questions regarding these Terms & Conditions, please contact us:
Thomas Hocking
Email: thocking@emortgagecapital.com
Phone: (714) 497-5962