Terms of Service

Terms of Service

Last Updated: October 13, 2026

These Terms of Service apply to https://bakerlending.com/ and the services of Mongo, LLC d/b/a West Capital Lending (“we,” “us,” or “our”). By accessing or using our website and services, including SMS communications, you agree to these Terms of Service. Mongo, LLC d/b/a West Capital Lending is a loan correspondent lender.

1. SMS Program Description

Mongo, LLC d/b/a West Capital Lending offers SMS messaging programs that may include:

• Responses to your mortgage inquiry and loan guidance
• Loan option updates, application status updates, and document requests
• Appointment and consultation reminders
• Customer support communications
• Rate updates and promotional offers (only where marketing consent is provided)

2. Opt-In & Opt-Out

By opting into our SMS program, you agree to receive text messages as described above. Consent to receive SMS messages is not a condition of obtaining a loan or purchasing any goods or services.

Opt-Out: Reply STOP at any time to unsubscribe.

Help: Reply HELP or contact [email protected].

3. Message Frequency & Costs

Message frequency may vary. Message and data rates may apply depending on your carrier plan.

4. Carrier Disclaimer

Wireless carriers are not liable for delayed or undelivered messages.

5. Eligibility (18+)

You must be at least 18 years old to participate in our SMS programs.

6. Customer Support

For SMS-related support, contact:

Email: [email protected]
Phone: (949) 665-0909

7. Privacy Policy

Your participation in our SMS program is subject to our Privacy Policy. By opting in, you agree to the collection and use of information as described therein.

8. Modifications

We reserve the right to modify these Terms at any time. Continued use of the services constitutes acceptance of the updated Terms.

9. Governing Law

These Terms are governed by the laws of the United States.