Terms of Use

These terms and conditions outline the rules and regulations for the use of htttps://howardedavies.com website, located at https://howardedavies.com.

By accessing this website we assume you accept these terms and conditions. Do not continue to use https://howardedavies.com if you do not agree to all of the Terms of Use listed on this page. When you click past the home page it indicates your acceptance and agreement of these Terms of Use.

Within the these Terms and Conditions: you, the person who visits this website are described as either “You” or “Your”. The website https://howardedavies.com is referred to by any and all of the following terms: “We”, “Our”, “Us” “This site” or “This website”. By clicking past the home page you agree that all terms of use refer to and are subject to the law of The United States and the State of California, and no other country or state. Any use of the above phrases or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable.

Forms on this site

By hitting the Get My Quote button or any other form submisstion button on this website I consent to Howard Davies at American Family Funding Group’s Privacy Policy and Terms of Use. I also understand I can opt out of all types of communication from him by texting, calling, or emailing Howard Davies on (408) 533-2467 / howard@howardedavies.com. I also agree that by hitting the Get My Quote or any other form submission button on this website  I am giving my Express Written Consent for Howard Davies to communicate with me through calls or texts to the phone number I’ve provided and/or emails regarding mortgages, mortgage rates and related services to the email address I provided, even if I am on a corporate, state or national Do Not Call list. This consent is not a condition of any purchase of any kind from anyone. Standard message and data rates may apply (including the unsubscribe-confirmation message). To opt out of text messaging at any time, simply reply “STOP ALL”


Most interactive websites use cookies to let them retrieve the user’s details for each visit. To the very best of our knowledge no cookies are used by our website and we make very stringent efforts to prevent our site or anyone not connected with this site from doing so. Certainly non instigated by us.


You may access this site for your own personal use subject to the restrictions in these terms and conditions. You must not: Duplicate, republish, sub-license, copy, rent, sell or reproduce any content from this site.

Content Liability

The information contained in this website is for general information purposes only and does not warrant that any product or service or other content of the site is accurate, complete, reliable, current or error-free.

Under no circumstances will we be liable for any incidental or consequential losses, damages or expenses of any kind whether the the damages or losses arising in any way or connection with your use of this site. You agree to indemnify and hold us harmless for any and all damages and losses described above relating to your use of this site. Your use of, and your visit to this site constitutes your agreement that it was created for and its use is for informational purposes only.

We shall not be hold responsible for any content that appears on this Website or any other website. You agree to protect and defend us against all claims that arise as a consequence of you visiting this site or any other website.

By visiting this site you agree that the laws of the State of California govern these Terms of Use and any dispute that arises between you and us. You also agree that any legal or civil action arising from or relating to the Terms of Use of this site will be filed only in state or federal courts in San Jose, California.

By visiting this site you agree that any claim arising from or relating to your use of the site, and any alleged damages or losses will be settled and administered by arbitration using the American Arbitration Association (“AAA”).

Any dispute between you and us must be submitted to binding arbitration administered by in the City of San Jose, California in abidance with AAA rules. You agree that by instituting the arbitration, then, with no limit to the application of the Arbitration rules, the arbitrator will award the prevailing party all the fair and reasonable costs, expenses and attorneys’ fees incurred by the prevailing party. Any and all arbitrations will take place in San Jose, California and you waive all your rights to consolidate, join or combine any arbitration brought with any other matter pending in court or other with any other parties or arbitration proceeding.

You agree that personal information may be collected from you from this website including any personally identifiable information.

You further agree that your use of
this site constitutes your agreement to all the contents in this sites privacy

Regardless of any statute or law to the contrary, any claim or cause of action against this site, the author or owner related to use of your use of this site under these Terms and Conditions shall be filed within one (1) year after the claim or cause of action arose or will be disallowed.

To the extent permissible by law, this site makes no claim of any implied or expresses warranties. The information on this website is not intended as an offer or solicitation for any mortgage product or any financial instrument.

We do not ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.