Acceptance
By using this website you agree to these Terms of Use. If you do not agree, please do not use the site. The site is operated by Ben V. Cat (DRE #02030696, NMLS #1597078) under responsible broker Century Financial Group, Corp. (DRE #01930905).
Information Only
Content on this site, including blog articles, FAQs, guides, and videos, is general information about real estate and mortgage topics. It is not legal, tax, accounting, or investment advice, and it is not tailored to your circumstances. Consult a qualified attorney, CPA, or financial advisor before acting on it. Tax topics such as capital gains and 1031 exchanges in particular depend on your individual situation.
No Agency Relationship
Using this site, submitting a form, or communicating with us does not create an agency, client, or fiduciary relationship. A real estate agency relationship is created only by a written agreement and after you receive the Disclosure Regarding Real Estate Agency Relationship required by California law. Please do not send confidential information you would not want disclosed before such a relationship exists.
Estimates & Calculators
The mortgage payment estimator and any other calculators or figures on this site are for illustration only. They are not a loan offer, pre-approval, commitment to lend, rate lock, or appraisal. Actual rates, payments, and loan eligibility depend on your credit, income, property, loan program, and underwriting, and change frequently. Estimates do not include every cost, such as HOA dues, mortgage insurance, Mello-Roos or other special assessments, or closing costs.
Market Statements & Images
Statements about markets, strategies, or outcomes reflect our opinions and experience. Past results do not guarantee future results, and every transaction is different. Some photos or visual materials may be AI-enhanced to illustrate possibilities and are not a representation of any specific property. Verify property details, sizes, and records independently.
Translations
Translations are machine-generated by Google Translate for convenience only and may contain errors. The English version of this site, including all disclosures, is the official version.
Do not rely on a machine translation for legal documents, disclosures, contracts, or loan terms. If you need information in another language, contact us and we will help you find appropriate assistance.
Third-Party Links
Links to other websites, such as government license lookups or partner sites, are provided for convenience. We do not control and are not responsible for their content or privacy practices.
Intellectual Property
The content, design, and materials on this site belong to Ben V. Cat or are used with permission. You may view and share pages for personal, non-commercial use. Do not copy, republish, or scrape the site without written permission.
Limitation of Liability
The site is provided “as is.” We work to keep it accurate and current but do not warrant that it is complete, error-free, or always available. To the fullest extent permitted by law, we are not liable for any loss arising from your use of, or reliance on, this site. Nothing in these terms limits any duty we owe to clients under a written agreement or under California law.
General Terms
These terms are governed by the laws of the State of California. We may update them by posting a new version on this page. Questions can go to info@benvcat.org.