Terms of Service

Effective Date: April 5, 2026

These Terms of Service (“Terms”) govern your access to and use of timpopploans.com (the “Site”), operated by Tim Popp, Branch Manager at West Capital Lending (“we,” “us,” or “our”). By accessing or using this Site, you agree to be bound by these Terms. If you do not agree, please do not use this Site.

1. Acceptance of Terms

By using this Site, you represent that you are at least 18 years of age, have the legal capacity to enter into a binding agreement, and agree to comply with these Terms and all applicable laws and regulations.

2. Not a Commitment to Lend

Nothing on this Site constitutes a commitment, offer, or guarantee to make a mortgage loan or to provide financing of any kind. All loan inquiries are subject to full credit review, underwriting approval, property appraisal, and investor guidelines. Loan approval, rates, and terms are not guaranteed and are subject to change without notice.

Pre-qualification or preliminary loan estimates do not constitute a loan commitment or lock-in of any rate or terms.

3. Not Financial or Legal Advice

The content on this Site — including articles, blog posts, educational tools, quizzes, and calculators — is provided for general informational and educational purposes only. It does not constitute financial, investment, tax, or legal advice. You should consult with qualified professionals before making any financial decisions.

No information on this Site should be relied upon as the sole basis for any financial decision. We make no representations or warranties that any information is accurate, complete, or applicable to your specific circumstances.

4. Loan Application Disclaimers

• Submitting a contact form or quiz on this Site does not constitute a formal loan application under the Real Estate Settlement Procedures Act (RESPA) or any other applicable law.
• A formal loan application begins only when you complete and submit an official Uniform Residential Loan Application (Form 1003) and receive a Loan Estimate.
• Rates, APRs, fees, and terms shown in any examples on this Site are illustrative only and do not represent an offer or guarantee of specific terms.
• All mortgage products are subject to availability and may vary based on loan amount, credit profile, property type, occupancy, and lender guidelines.

5. Accuracy of Information You Provide

By submitting any information through this Site — including contact forms, quizzes, or applications — you represent that the information you provide is true, accurate, current, and complete to the best of your knowledge. Providing false or misleading information in connection with a mortgage loan inquiry may violate federal and state laws, including 18 U.S.C. § 1014 (federal loan application fraud).

We reserve the right to decline to process any inquiry based on incomplete, inaccurate, or suspicious information.

6. Intellectual Property

All content on this Site — including text, graphics, logos, images, quizzes, calculators, and educational materials — is the property of Tim Popp and/or West Capital Lending and is protected by applicable copyright, trademark, and intellectual property laws.

You may view and print content for personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content from this Site without our prior written permission.

7. Third-Party Links

This Site may contain links to third-party websites, including lender portals, government resources, or informational sites. These links are provided for your convenience only. We do not control, endorse, or take responsibility for the content, privacy practices, or accuracy of any third-party websites. Accessing third-party sites is at your own risk, and you should review their terms and privacy policies independently.

8. Equal Housing Opportunity

We are an Equal Housing Opportunity lender. We do not discriminate in lending on the basis of race, color, national origin, religion, sex, familial status, disability, sexual orientation, gender identity, or any other characteristic protected by applicable federal, state, or local law. All loan inquiries are evaluated based on applicable credit criteria only.

🏠 Equal Housing Opportunity

9. NMLS Licensing Information

Tim Popp and West Capital Lending are licensed mortgage professionals. Licensing information can be verified at the NMLS Consumer Access website.

• Tim Popp — NMLS #2039627 | CA DRE #02426959
• West Capital Lending — NMLS #1566096 | CA DRE #02022356
• Address: 755 West Big Beaver Rd, Suite 1725, Troy, MI 48084
• Licensed to originate mortgage loans in 36 states and Washington, D.C. State-specific licensing details are available upon request.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Tim Popp and West Capital Lending shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use this Site;
• Any errors, inaccuracies, or omissions in Site content;
• Unauthorized access to or use of your information;
• Any interruption, suspension, or termination of the Site;
• Any third-party conduct or content.

In jurisdictions that do not allow limitations on implied warranties or exclusions of incidental or consequential damages, the above limitations may not fully apply to you.

11. Disclaimer of Warranties

This Site is provided on an “as is” and “as available” basis 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. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict of law provisions. Any disputes arising under or related to these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the state and federal courts located in Oakland County, Michigan.

You agree to submit to the personal jurisdiction of such courts and waive any objection to the laying of venue in such courts.

13. Modifications to These Terms

We reserve the right to update or modify these Terms at any time without prior notice. Changes will be effective immediately upon posting to this page with a revised effective date. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.

14. Contact Information

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

• Tim Popp, Branch Manager — West Capital Lending
• Address: 755 West Big Beaver Rd, Suite 1725, Troy, MI 48084
• Email: tpopp@westcapitallending.com
• Phone: 949-379-1191

Last updated: April 5, 2026