Effective Date: July 9, 2026

These Terms and Conditions (“Terms”) govern your access to and use of the website operated by Willow Hill Corporation DBA Dove Financial (“Dove Financial,” “Company,” “we,” “us,” or “our”), including the website located at dovemhloans.com and any related webpages, forms, scheduling tools, and online services operated by Dove Financial (collectively, the “Site”).

By accessing or using the Site, you agree to these Terms and our Privacy Policy. If you do not agree with these Terms, please do not use the Site.

Business and Licensing Information

Willow Hill Corporation DBA Dove Financial provides mortgage brokerage and loan origination services under the supervision of its responsible broker, Robert Berthiaume, California Department of Real Estate License #01417390. Willow Hill Corporation DBA Dove Financial is registered with the Nationwide Multistate Licensing System and Registry under NMLS ID #353000.

Willow Hill Corporation DBA Dove Financial is located at:

14742 Plaza Dr, Ste 200

Tustin, CA 92780

Phone: (714) 508-0780

Email: [email protected]

Dove Financial specializes in financing for mobile and manufactured homes, commercial loans, conventional loans, and construction loans.

Licensing information is provided for consumer identification and regulatory purposes. Licensing does not constitute an endorsement or recommendation by any governmental agency.

Dove Financial offers services only where it is appropriately licensed or otherwise authorized to conduct business.

Website Use and Eligibility

You must be at least 18 years of age to use this Site, submit an inquiry, schedule an appointment, or request information about mortgage financing services.

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

You may not:

- use the Site in violation of any applicable law or regulation;

- attempt to gain unauthorized access to the Site or its systems;

- interfere with the operation or security of the Site;

- use automated systems to scrape, copy, or extract Site content without authorization;

- impersonate another person or provide false or misleading information; or

- use the Site for fraudulent or unlawful purposes.

Mortgage Brokerage Services

Dove Financial provides mortgage brokerage and loan origination services. Information provided on this Site is intended to provide general information about available financing options and Dove Financial’s services.

Loan programs, products, interest rates, annual percentage rates, fees, costs, terms, and eligibility requirements may vary and are subject to change without notice.

The availability of any loan program depends on factors that may include lender requirements, borrower eligibility, creditworthiness, income, assets, property type, property condition, occupancy, loan purpose, underwriting guidelines, and applicable law.

Not all applicants will qualify for all programs, products, rates, or terms.

No Commitment to Lend or Guarantee of Approval

Nothing on this Site constitutes a commitment to lend, a loan approval, a guarantee of financing, or an offer to extend credit.

Submitting a contact form, application, scheduling an appointment, requesting information, communicating with Dove Financial, or providing preliminary information through the Site does not:

- guarantee loan approval;

- guarantee a particular interest rate, payment, fee, loan amount, or loan term;

- create a commitment to lend;

- constitute final loan approval; or

- obligate Dove Financial or any lender to provide financing.

Unless expressly identified as such, submitting information through a general website inquiry or scheduling form does not constitute a complete mortgage loan application.

All financing is subject to applicable underwriting requirements, verification, lender approval, property eligibility, required documentation, and other applicable conditions.

A loan is not approved or guaranteed until all applicable requirements have been satisfied and any required approval or commitment has been issued in accordance with applicable law.

Loan Programs, Rates, Payments, and Advertising Information

Any loan programs, interest rates, annual percentage rates, payments, loan amounts, down payment amounts, fees, terms, savings, or other financing information displayed on the Site are provided for informational or illustrative purposes unless expressly stated otherwise.

Rates, programs, and terms are subject to change and may not be available to every applicant.

Actual loan terms depend on the specific loan program, lender requirements, borrower qualifications, property characteristics, market conditions, and other applicable factors.

Any example payment or loan scenario is an estimate only. Unless expressly stated otherwise, examples may not include all costs associated with a loan or property, including property taxes, homeowners insurance, mortgage insurance, homeowners association dues, closing costs, lender fees, prepaid items, or other charges.

Dove Financial does not guarantee that any loan program, rate, payment, fee, or term shown on the Site will be available at the time of application or approval.

Nothing on this Site should be interpreted as a promise or guarantee of specific financing terms.

Equal Housing Opportunity and Fair Lending

Dove Financial is committed to fair and responsible lending practices and supports Equal Housing Opportunity.

Dove Financial does not discriminate in any aspect of a credit transaction on a prohibited basis under applicable federal or state law.

All loan inquiries and applications are considered in accordance with applicable fair lending, equal credit opportunity, and housing laws.

Website Information and Calculators

The information available on the Site is provided for general informational purposes only.

While Dove Financial makes reasonable efforts to provide accurate and current information, mortgage programs, lending guidelines, regulations, market conditions, and other information may change.

Dove Financial does not warrant that all information on the Site is complete, current, or free from error.

Any mortgage calculator, payment calculator, affordability tool, estimate, example, or interactive feature provided on the Site is for illustrative purposes only. Results are estimates and should not be considered a loan quote, loan estimate, approval, commitment to lend, or financial advice.

Actual costs and loan terms may differ.

No Financial, Legal, Tax, or Real Estate Advice

Information provided through the Site is not intended to constitute legal, tax, accounting, investment, or financial planning advice.

You should consult an appropriately qualified professional regarding your individual circumstances.

Mortgage-related information provided by Dove Financial is intended to explain financing options and services and should not be interpreted as advice outside the scope of Dove Financial’s licensed activities.

Information You Submit

You agree that information you provide through the Site will be accurate and complete to the best of your knowledge.

Information submitted through the Site may be used to:

- respond to your inquiry;

- schedule or manage appointments;

- communicate with you about services you requested;

- evaluate or discuss potential financing options;

- process information you choose to provide;

- comply with legal and regulatory obligations; and

- support the operation and security of our services.

The collection, use, storage, and disclosure of personal information are further described in our Privacy Policy.

Submitting information through the Site does not grant Dove Financial ownership of your personal information or financial documents.

Privacy and Protection of Personal Information

Dove Financial respects the privacy and security of personal information.

Our collection, use, disclosure, and protection of personal information are described in our Privacy Policy, available at:

dovemhloans.com/privacy-policy

Because mortgage-related inquiries and transactions may involve sensitive personal and financial information, you should use only authorized and secure methods provided or approved by Dove Financial when transmitting sensitive documents or information.

Sensitive Information and Secure Document Submission

Do not send Social Security numbers, bank account information, tax returns, account passwords, or other highly sensitive personal or financial information through unsecured website forms, standard email, or SMS unless specifically instructed to do so through an authorized secure process.

If Dove Financial provides access to a secure document portal or another approved method for submitting sensitive information, you should use that method.

Dove Financial will never ask you to provide account passwords or other credentials that would allow access to your personal financial accounts.

Electronic Communications

By contacting Dove Financial electronically, submitting a website form, or providing your email address, you acknowledge that Dove Financial may respond to your inquiry electronically.

Email and standard text messaging may not always be secure. You should not transmit highly sensitive personal or financial information through unsecured electronic communications.

Electronic communications may be retained as permitted or required by applicable law and Dove Financial’s recordkeeping practices.

Consent to receive electronic communications does not waive any rights you may have under applicable law.

SMS MESSAGING TERMS AND COMPLIANCE

SMS Program Description

Dove Financial may send text messages to individuals who have provided a mobile telephone number and consented to receive SMS communications.

Depending on the consent you provide and the services you request, messages may include:

- appointment confirmations;

- appointment reminders;

- rescheduling or cancellation updates;

- responses to your inquiries;

- customer service communications; and

- other communications related to services you have requested.

If Dove Financial offers marketing or promotional text messages, consent to receive those messages will be obtained as required by applicable law.

Consent to receive marketing text messages is not a condition of purchasing any property, goods, or services or obtaining a loan.

SMS Consent

Where required, SMS consent is collected through website forms or other consent methods that clearly disclose the nature of the messages the individual is agreeing to receive.

By providing your mobile number and opting in to receive text messages, you authorize Dove Financial to send messages to the number provided in accordance with the consent you gave.

Message frequency varies based on your interactions with Dove Financial, appointments, requests, and services.

Your consent to receive text messages applies only to the telephone number you provided.

SMS Opt-Out and Cancellation

You may opt out of SMS messages at any time by replying STOP to a message from Dove Financial.

After you send STOP, you may receive a final message confirming that you have been unsubscribed. You will then no longer receive messages covered by that opt-out request unless you later provide consent to resume receiving them.

You may also revoke consent through other reasonable methods available under applicable law, including by contacting Dove Financial directly.

If you later wish to receive text messages again, you may opt in again through an available sign-up or consent process.

SMS Support

For assistance with text messaging, reply HELP to a message from Dove Financial.

You may also contact:

Email: [email protected]
Phone: (714) 508-0780

Message Frequency and Charges

Message frequency varies.

Message and data rates may apply to messages sent to you from Dove Financial and messages sent by you to Dove Financial.

Your wireless carrier’s standard messaging and data rates may apply. Contact your wireless provider for questions regarding your mobile plan.

Wireless carriers are not liable for delayed or undelivered messages.

SMS Privacy

Personal information collected in connection with SMS communications is handled in accordance with our Privacy Policy.

SMS opt-in consent and mobile telephone numbers will not be sold to third parties for their independent marketing purposes.

Dove Financial’s SMS practices are intended to comply with applicable federal and state laws and industry requirements.

GENERAL WEBSITE TERMS

Intellectual Property Rights

The Site and its content, including text, graphics, logos, images, videos, designs, downloads, and other materials, are owned by or licensed to Dove Financial and are protected by applicable intellectual property laws.

The Site is provided for personal, non-commercial use.

You may not copy, reproduce, republish, modify, distribute, sell, license, create derivative works from, or commercially exploit Site content without prior written permission from Dove Financial, except as permitted by law.

You may download or print individual pages for your personal, non-commercial use, provided that all copyright and proprietary notices remain intact.

Third-Party Websites and Services

The Site may contain links to websites, platforms, tools, or services operated by third parties.

Dove Financial does not control and is not responsible for the content, privacy practices, security, availability, or operation of third-party websites or services.

The inclusion of a third-party link does not necessarily constitute an endorsement or recommendation.

Your use of a third-party website or service is subject to that third party’s terms and privacy practices.

Nothing in these Terms should be interpreted as requiring or conditioning the use of any particular third-party settlement service provider.

Website Availability and Security

Dove Financial does not guarantee that the Site will always be available, uninterrupted, secure, or free from errors or harmful components.

We may modify, suspend, restrict, or discontinue any part of the Site at any time.

You are responsible for using appropriate security measures when accessing the internet and communicating electronically.

Disclaimer of Warranties

To the fullest extent permitted by law, the Site and its general informational content are provided on an “as is” and “as available” basis.

Dove Financial makes no warranties, express or implied, regarding the availability, accuracy, completeness, reliability, or suitability of the Site for any particular purpose.

Nothing in this section limits any obligation or liability that cannot legally be excluded or limited.

Limitation of Liability

To the fullest extent permitted by applicable law, Dove Financial and its officers, employees, agents, and affiliates will not be liable for indirect, incidental, special, consequential, or punitive damages arising from or related to your use of, or inability to use, the Site.

This limitation does not apply to liability that cannot legally be excluded or limited.

Nothing in these Terms limits any rights or remedies available to consumers under applicable mortgage lending, real estate, privacy, or consumer protection laws.

Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Dove Financial and its officers, employees, agents, and affiliates from claims, liabilities, damages, and expenses arising directly from your unlawful use of the Site, your violation of these Terms, or your infringement of the rights of another person.

This provision does not apply to the extent prohibited by applicable law.

Termination or Restriction of Website Access

Dove Financial may restrict or terminate access to the Site if we reasonably believe a user has violated these Terms, interfered with the operation or security of the Site, or used the Site for fraudulent or unlawful purposes.

Termination of website access does not affect any rights or obligations arising from a separate mortgage transaction, application, disclosure, or agreement.

Governing Law

These Terms and your use of the Site are governed by the laws of the State of California and applicable federal law, without regard to conflict-of-law principles.

Any dispute relating solely to the use of this Site will be subject to the jurisdiction of the appropriate state or federal courts located in California, unless applicable law or a separate written agreement provides otherwise.

Nothing in these Terms limits any right to file a complaint with or seek assistance from a governmental or regulatory agency.

Changes to These Terms

Dove Financial may update these Terms from time to time.

When changes are made, the updated Terms will be posted on the Site with a revised effective date.

Your continued use of the Site after revised Terms are posted constitutes acceptance of the updated Terms to the extent permitted by law.

Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain in effect to the fullest extent permitted by law.

Entire Agreement Regarding Website Use

These Terms and the Privacy Policy constitute the agreement between you and Dove Financial regarding your use of the Site.

These Terms do not replace or modify any separate loan application, loan disclosure, brokerage agreement, lender agreement, privacy notice, authorization, or other legally required document associated with a mortgage transaction.

Contact Information

Questions regarding these Terms may be directed to:

Willow Hill Corporation DBA Dove Financial
14742 Plaza Dr, Ste 200
Tustin, CA 92780
Phone: (714) 508-0780
Email: [email protected]
Website: dovemhloans.com

California Department of Real Estate License #01417390
NMLS ID #353000

By accessing or using the Site, you acknowledge that you have read and agree to these Terms and Conditions.