Effective Date: May 15, 2026
Last Updated: May 15, 2026
Please read these Terms of Service (“Terms”) carefully before using the RateCut website located at ratecut.com (the “Site”) or submitting any application or inquiry through our services.
By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.
RateCut (“Company,” “we,” “us,” or “our”) is a licensed mortgage company headquartered in Irvine, CA 92614.
RateCut offers home purchase loans, refinancing, cash-out loans, and commercial property financing services throughout the United States.
The content on this Site — including but not limited to articles, calculators, rate tables, loan product descriptions, and pre-qualification forms — is provided for informational purposes only. Nothing on this Site constitutes:
All loan products are subject to credit approval. Rates, terms, and programs are subject to change without notice. Actual loan terms will be determined at the time of formal application and underwriting.
You must be at least 18 years of age and a legal resident of the United States to use this Site or submit an application. By using the Site, you represent and warrant that you meet these requirements.
You agree to use this Site only for lawful purposes and in a manner consistent with all applicable federal, state, and local laws and regulations. You agree not to:
When you submit a pre-qualification form, quote request, or loan application through the Site, you acknowledge and agree that:
By providing your phone number and agreeing to SMS consent on any form on this Site, you expressly consent to receive SMS text messages from RateCut regarding your mortgage inquiry, application status, and related services. Standard messaging and data rates may apply. Message frequency varies.
Opting out of SMS does not affect your ability to proceed with a loan application.
RateCut is an Equal Housing Opportunity lender. We do not discriminate on the basis of race, color, national origin, religion, sex, familial status, disability, or any other protected class in connection with any credit decision or loan product.
All content on this Site — including text, graphics, logos, images, and software — is the property of RateCut or its content suppliers and is protected by United States and international copyright, trademark, and intellectual property laws.
You may not reproduce, distribute, publicly display, or create derivative works of any content from this Site without our express written consent.
This Site may contain links to third-party websites, including credit check services, real estate resources, and partner tools. These links are provided for convenience only. RateCut does not control, endorse, or assume responsibility for any third-party content, products, or services. Your use of third-party sites is governed by their own terms and privacy policies.
THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
TO THE FULLEST EXTENT PERMITTED BY LAW, RATECUT, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE OR SERVICES, INCLUDING BUT NOT LIMITED TO LOST PROFITS, DATA LOSS, OR PERSONAL INJURY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
You agree to indemnify, defend, and hold harmless RateCut and its officers, directors, employees, agents, and licensors from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Site; (b) your violation of these Terms; (c) any information you submit through the Site; or (d) your violation of any applicable law or third-party rights.
These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any dispute arising from these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Orange County, California, and you consent to the personal jurisdiction of such courts.
We reserve the right to modify these Terms at any time. When we do, we will update the “Last Updated” date at the top of this page. Your continued use of the Site after any changes constitutes acceptance of the updated Terms. We encourage you to review these Terms periodically.
If you have questions about these Terms of Service, please contact us:
RateCut
Irvine, CA 92614
Phone: 1-833-RATE-CUT
Website: ratecut.com/contact-us
The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply.
