Terms of Service
Effective Date: January 1, 2024
Important Legal Disclosures
Small Servicer Exemption: Homeowners First, LLC qualifies as a "Small Servicer" under Regulation Z (12 C.F.R. § 1026.41(e)(4)(ii)) and related state laws. Certain procedural requirements applicable to large banks may not apply to your loan.
Debt Collector Notice: We are a debt collector attempting to collect a debt. Any information obtained will be used for that purpose.
1. Acceptance of Terms
By accessing this website, you agree to these Terms of Service. If you do not agree, please discontinue use immediately.
2. No Guarantee of Modification
Submission of information or discussion of options (including "Resolution Roadmaps") does not guarantee a loan modification, repayment plan, or waiver of any rights.No agreement is binding unless in writing and signed by an authorized officer of Homeowners First, LLC.
3. AI Chatbot Disclaimers
This website may use an automated AI chatbot to provide general information.
- Informational Only: The AI chatbot is for convenience only. It cannot bind the company, approve loans, or modify terms.
- Risk of Error: Artificial intelligence may occasionally produce incorrect or "hallucinatory" responses. Do not rely solely on chatbot statements for legal or financial decisions. Always verify information with a human representative.
- Limitation of Liability: Homeowners First, LLC is not liable for actions taken in reliance on AI-generated advice.
4. No Legal Advice
Nothing on this website constitutes legal or tax advice. We strongly encourage you to consult with a qualified attorney or tax professional regarding your specific situation, including foreclosure defense or bankruptcy.
5. Governing Law
These terms are governed by the laws of the State of California. Any disputes arising from the use of this website shall be resolved in the state or federal courts located in Contra Costa County, California.
6. Contact Information
Homeowners First, LLC
Walnut Creek, CA
servicing@homeowners1st.com