Legal & Disclosures

ADA Accessibility Statement

Excel Funding Real Estate Services, Inc. is committed to providing a website that is accessible to all visitors. Our website is hosted on Squarespace, a platform built with accessibility standards in mind and designed to conform to Web Content Accessibility Guidelines (WCAG) 2.1 at the AA level. We continuously work to ensure our site meets these standards.

If you experience any difficulty accessing any part of this website or require information in an alternative format, please contact us directly and we will do our best to assist you:

Email: frances@excelfundingres.com Phone: (310) 245-5626

For technical accessibility concerns related to the website platform itself, Squarespace maintains their own accessibility resources at squarespace.com/accessibility.

Communications Policy

We may communicate with you in a variety of ways including by email, voicemail, mail, text and SMS messaging, and in person. Some communications occur through multiple channels. Such communications are confidential and only intended for you or persons authorized to act on your behalf.

By using this website, you acknowledge the following communications-related practices. By providing a telephone number and submitting a form on this website you are consenting to be contacted by SMS text message. Message frequency may vary. Message and data rates may apply.

To opt out of SMS communications at any time, reply STOP to any message or contact us directly at frances@excelfundingres.com or (310) 245-5626.

Licensing and Disclosures

Excel Funding Real Estate Services, Inc. is a licensed real estate brokerage and mortgage company operating in the State of California.

California Department of Real Estate (DRE) License #01866188 NMLS ID #332480

Frances Baldwin, Owner & CEO DRE #01194971 | NMLS #330182

Jerold Saunders, Broker DRE #01363730 | NMLS #243695 Email: jeroldsaunders@yahoo.com Office: (310) 784-2828 | Direct: (661) 916-3464

We conduct business in both real estate sales and mortgage lending. Consumers may verify our licenses and review additional information through the following regulatory bodies:

National Mortgage Licensing System (NMLS) Consumer Access: www.nmlsconsumeraccess.org California Department of Real Estate (DRE): www.dre.ca.gov California Department of Financial Protection and Innovation (DFPI): www.dfpi.ca.gov

We are an Equal Housing Opportunity Lender and Equal Housing Opportunity Broker. In accordance with federal law, we do not engage in discriminatory practices based on race, color, religion, national origin, sex, marital status, age, income derived from public assistance programs, or for exercising rights under the Consumer Credit Protection Act in good faith. The Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580, oversees our compliance with these federal regulations.

NMLS Consumer Access

Excel Funding Real Estate Services, Inc. NMLS ID #332480. You may verify our licensing status and review background information through the NMLS Consumer Access portal, the nationwide database for state-licensed mortgage companies and loan originators.

Frances Baldwin (Owner & CEO): NMLS #330182 Jerold Saunders (Broker): NMLS #243695

Visit www.nmlsconsumeraccess.org and search NMLS #332480, #330182, or #243695.

Fair Housing and Equal Lending

We Do Business in Accordance with Federal Fair Lending Laws.

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18) TO:

  • Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling or to deny any loan secured by a dwelling; or

  • Discriminate in fixing the amount, interest rate, duration, application procedures, or other terms or conditions of such a loan or in appraising property.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Assistant Secretary for Fair Housing and Equal Opportunity, Department of Housing and Urban Development, Washington, DC 20410, for processing under the Federal Fair Housing Act. More information is available at www.hud.gov/fairhousing.

AND TO:

Federal Deposit Insurance Corporation, National Center for Consumer and Depositor Assistance, for processing under the FDIC Regulations. Visit www.fdic.gov or submit a complaint at https://ask.fdic.gov/fdicinformationandsupportcenter.

UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:

  • On the basis of race, color, national origin, religion, sex, marital status, or age;

  • Because income is from public assistance; or

  • Because a right has been exercised under the Consumer Credit Protection Act.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Federal Deposit Insurance Corporation, National Center for Consumer and Depositor Assistance. Visit www.fdic.gov or submit a complaint at https://ask.fdic.gov/fdicinformationandsupportcenter.

Privacy Policy

Last updated: April 21, 2026

Note: This Privacy Policy is currently under review and will be updated to reflect the specific data practices of Excel Funding Real Estate Services, Inc. The following represents a general framework of our data collection and privacy practices.

Information We Collect

When you use our website or submit a form, we may collect personally identifiable information including your name, email address, phone number, and address. We also collect usage data automatically, including IP address, browser type, and pages visited.

How We Use Your Information

We use the information you provide to respond to your inquiries, process loan applications, communicate with you about our services, and improve our website. We may also use your information to send you relevant updates and marketing communications, from which you may opt out at any time.

SMS Communications

By providing your phone number and submitting a form on this website you are consenting to receive SMS text messages from us. Message frequency may vary. Message and data rates may apply. You may opt out at any time by replying STOP to any message or contacting us directly.

Cookies and Tracking

Our website uses cookies and similar tracking technologies to monitor site activity and improve user experience. You may instruct your browser to refuse cookies, though some features of the site may not function properly as a result. We may use Google Analytics and similar third-party tools to analyze website traffic.

Sharing of Information

We do not sell your personal information. We may share your information with trusted service providers who assist in operating our website and conducting our business, subject to confidentiality agreements. We may also disclose information when required by law or to protect our legal rights.

California Residents — CCPA/CPRA Rights

If you are a California resident you have the right to know what personal information we collect, request deletion of your personal information, opt out of the sale of your personal information, and not be discriminated against for exercising these rights. To exercise any of these rights please contact us at frances@excelfundingres.com or (310) 245-5626.

Data Retention

We retain personal information only as long as necessary to fulfill the purposes for which it was collected or as required by law. Real estate and mortgage transaction records are retained in accordance with California DRE and applicable federal requirements.

Children's Privacy

Our website is not directed at children under the age of 13 and we do not knowingly collect personal information from anyone under 13.

Changes to This Policy

We may update this Privacy Policy periodically. Changes will be posted on this page with an updated effective date.

Contact

Excel Funding Real Estate Services, Inc. Email: frances@excelfundingres.com Phone: (310) 245-5626

Terms of Use

By accessing or using this website you agree to comply with and be bound by these Terms of Use. If you do not agree to these Terms please do not use this website.

  1. Use of Website — By using this website you represent that you are at least 18 years old and legally capable of entering into binding contracts. You agree to use the website only for lawful purposes and in accordance with these Terms.

  2. No Guarantee of Loan Approval — Submitting information through our website does not guarantee loan approval or a commitment to lend. Loan approval is subject to verification of information, creditworthiness, and other conditions. All loans are subject to underwriting approval.

  3. Changes to Rates, Terms, and Products — Rates, terms, and loan products presented on this website are subject to change without notice. The information provided is for informational purposes only and does not constitute a loan offer or commitment. Final loan terms will be provided upon formal application and approval.

  4. Equal Housing Opportunity — We are an Equal Housing Lender and Equal Housing Opportunity Broker. We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age, handicap, familial status, or because all or part of an applicant's income comes from any public assistance program. See our Fair Housing and Equal Lending section above for full disclosures and complaint procedures.

  5. Privacy Policy — Your use of this website is also governed by our Privacy Policy which explains how we collect, use, and protect your personal information. By using this website you consent to the practices described in our Privacy Policy.

  6. Intellectual Property — All content on this website including text, graphics, logos, and images is the property of Excel Funding Real Estate Services, Inc. and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any content without our prior written consent.

  7. Limitation of Liability — To the fullest extent permitted by law, Excel Funding Real Estate Services, Inc. is not liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of this website. We do not guarantee that the website will be error-free, uninterrupted, or free from viruses or other harmful components.

  8. Third-Party Links — This website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of use of any third-party sites. Accessing these links is at your own risk.

  9. Modifications to Terms — We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website constitutes your acceptance of the modified Terms.

  10. Governing Law — These Terms are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.

  11. Contact — If you have any questions about these Terms please contact us at:

Excel Funding Real Estate Services, Inc. Email: frances@excelfundingres.com Phone: (310) 245-5626

Regulatory & Resource Links

The following links are provided for your convenience to verify licensing, file complaints, or access consumer resources: