LAST UPDATED: AUGUST 23, 2026
Terms of Use
These Terms of Use govern your access to and use of Equity Surface. By accessing or using this website, you agree to these Terms.
About Equity Surface
Equity Surface is a lead generation website operated by Amil One, LLC, NMLS ID #2788025. Mortgage loan origination services are provided by West Capital Lending, Inc., NMLS ID #1566096, through Amil Esmailpour, NMLS ID #1382534. Equal Housing Lender. Equity Surface is not a government agency and is not affiliated with, endorsed by, or sponsored by any federal, state, or local government agency. Mortgage loans are originated through West Capital Lending, Inc.
Informational Purpose
Information provided through Equity Surface is intended to help consumers learn about potential mortgage financing options. Nothing on this website constitutes a commitment to lend, loan approval, rate lock, guarantee of financing, or guarantee that you will qualify for any particular mortgage program. All loans are subject to applicable underwriting requirements, credit approval, property eligibility, income and asset verification, program requirements, and other conditions.
Rates, Payments and Mortgage Calculators
Any mortgage rate, payment, loan amount, affordability calculation, savings estimate, or other calculation displayed on Equity Surface is provided for informational and illustrative purposes unless expressly stated otherwise. Actual rates, payments, closing costs, loan amounts, and terms may vary based on factors including credit history, property type, loan-to-value ratio, occupancy, loan program, market conditions, income, assets, debt obligations, location, and other underwriting criteria. Interest rates and loan programs are subject to change without notice. Use of a calculator or completion of a website form does not constitute a Loan Estimate, Closing Disclosure, commitment to lend, or rate lock. Mortgage advertising involving rates or specific credit terms is subject to federal Truth in Lending advertising requirements.
No Guarantee of Approval
Submitting information through Equity Surface does not guarantee approval for a mortgage loan. Final eligibility and loan terms can only be determined after review of the information and documentation required for the applicable mortgage program.
Information You Provide
You agree that information you submit through Equity Surface will be accurate to the best of your knowledge. You may not knowingly submit false, misleading, fraudulent, or unauthorized information or use another person’s identity without authorization.
Communications
When you voluntarily provide your telephone number, email address, or other contact information, you authorize us to respond to your inquiry using the communication methods for which you have provided consent, subject to applicable law and any consent language presented with the applicable form. Where applicable, consent to receive marketing communications is not a condition of purchasing goods or services. Instructions for changing communication preferences are available on our Opt Out page.
No Legal, Tax or Financial Advice
Information provided through Equity Surface should not be considered legal, tax, accounting, or investment advice. You should consult an appropriate professional regarding questions specific to your individual circumstances.
Intellectual Property
The Equity Surface website, including its design, branding, text, graphics, layout, software, and original content, is owned by or licensed for use by Equity Surface or its applicable licensors and is protected by applicable intellectual property laws. You may use the website for your personal, noncommercial use in connection with evaluating mortgage services. You may not copy, reproduce, republish, scrape, distribute, modify, reverse engineer, or commercially exploit the website or its content without prior authorization, except as permitted by law.
Prohibited Use
You may not use Equity Surface to violate applicable law; submit fraudulent or misleading information; attempt unauthorized access to the website or related systems; introduce malware, automated attacks, or malicious code; interfere with the operation or security of the website; collect information about other users without authorization; misrepresent your identity or authority; or use automated systems to excessively access, scrape, or copy website content.
Third-Party Services and Links
Equity Surface may link to or integrate with websites, tools, products, or services operated by third parties. We do not control those third parties and are not responsible for their content, availability, privacy practices, security, products, or services.
Disclaimer of Warranties
To the fullest extent permitted by law, Equity Surface and its content are provided on an “as is” and “as available” basis. We do not warrant that the website will always be uninterrupted, error-free, secure, or completely accurate. Nothing in this provision limits rights that cannot legally be waived.
Limitation of Liability
To the fullest extent permitted by applicable law, Equity Surface, West Capital Lending, Inc., and their respective representatives, service providers, officers, employees, or agents will not be liable for indirect, incidental, special, consequential, or punitive damages resulting solely from your use of or inability to use the website. Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by law.
Privacy
Your use of Equity Surface is also subject to our Privacy Policy. California residents should also review our California Privacy Notice page.
Changes to These Terms
We may modify these Terms from time to time. Updated Terms will be posted on this page with a revised effective date. Your continued use of Equity Surface following an update constitutes acceptance of the updated Terms to the extent permitted by law.
Governing Law
These Terms are governed by applicable federal law and the laws of the State of California, without regard to conflict-of-law principles.
Contact
Equity Surface / Amil One, LLC, Attn: Amil Esmailpour, 2081 Business Center Drive #285, Irvine, CA 92612. Amil One, LLC — NMLS ID #2788025. West Capital Lending, Inc. — NMLS ID #1566096. Amil Esmailpour — NMLS ID #1382534.