Terms of Service
Legal terms and conditions for using our mortgage broker services
Last Updated: January 15, 2025
Important Legal Notice
These terms of service are currently under legal review and will be updated with final compliance language. Please contact us directly for current service terms until this notice is removed.
Agreement to Terms
These Terms of Service ("Terms") govern your use of the website and services provided by Mohammad Abdelfattah, NMLS #1426884, operating as a licensed mortgage loan originator with NEXA Mortgage ("we," "us," or "our"). By accessing our website or using our services, you agree to be bound by these Terms.
If you do not agree to these Terms, please do not use our website or services.
Professional Licensing and Regulatory Information
Licensing Information
- Mortgage Loan Originator: Mohammad Abdelfattah, NMLS #1426884
- Licensed Company: NEXA Mortgage
- Equal Housing Lender
- License Verification: www.nmlsconsumeraccess.org
- Licensed States: California, Washington, Virginia, Colorado
Services Description
We provide the following mortgage broker services:
- Mortgage loan consultation and application assistance
- Access to lending network (200+ lenders)
- Loan program comparison and recommendations
- Pre-approval and pre-qualification services
- Rate and term analysis
- Refinancing services and consultations
- Specialized loan programs (Non-QM, Bank Statement, Asset Depletion, etc.)
Important Disclaimers
No Loan Commitment
This is not a commitment to lend. All information contained herein is subject to change without notice. All loans are subject to credit approval, income verification, and property appraisal. Equal Housing Lender.
No Financial Advice
We are mortgage brokers, not financial advisors. Information provided is for educational purposes only and should not be considered financial advice. You should consult with qualified financial professionals regarding your specific financial situation.
Information Accuracy
While we strive to provide accurate and up-to-date information, interest rates, loan terms, and program availability are subject to change without notice. All information must be verified prior to loan approval.
User Obligations and Restrictions
By using our services, you agree to:
- Provide accurate and complete information
- Not misrepresent your financial situation or intentions
- Comply with all applicable laws and regulations
- Not use our services for any fraudulent or illegal purposes
- Respect intellectual property rights
- Not attempt to circumvent security measures
You agree NOT to:
- Submit false or misleading loan applications
- Share login credentials or account access
- Interfere with or disrupt our services
- Use automated systems to access our website
- Reverse engineer or copy our proprietary processes
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
- We are not liable for any indirect, incidental, or consequential damages
- Our total liability is limited to the amount of fees paid to us
- We are not responsible for lender decisions or loan denials
- We are not liable for market rate changes or program discontinuations
- We are not responsible for third-party service provider actions
Intellectual Property Rights
All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of Mohammad Abdelfattah or our licensors and is protected by copyright and other intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works from our content without written permission.
Privacy and Data Protection
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by ourPrivacy Policy, which is incorporated into these Terms by reference.
By using our services, you consent to the collection and use of your information as described in our Privacy Policy.
Third-Party Services and Links
Our website may contain links to third-party websites or services. We are not responsible for:
- The content or privacy practices of third-party sites
- Lender decisions, rates, or terms offered by our lending partners
- Actions of appraisers, title companies, or other service providers
- Technical issues with third-party systems or services
Dispute Resolution
Governing Law: These Terms are governed by the laws of the State of California.
Dispute Resolution Process:
- Initial contact and good faith resolution attempt
- Mediation through mutually agreed mediator
- Binding arbitration if mediation fails
- California state court jurisdiction for non-arbitrable disputes
Regulatory Compliance and Consumer Rights
We comply with all applicable federal and state regulations, including:
- Truth in Lending Act (TILA)
- Real Estate Settlement Procedures Act (RESPA)
- Fair Credit Reporting Act (FCRA)
- Equal Credit Opportunity Act (ECOA)
- California Mortgage Lending Act
- Consumer Financial Protection Bureau (CFPB) regulations
Consumer Rights Information
Right to Cancel: You have the right to cancel certain transactions within three business days.
Complaint Filing: You may file complaints with the California Department of Financial Protection and Innovation or the Consumer Financial Protection Bureau (CFPB).
Service Modifications and Termination
We reserve the right to:
- Modify or discontinue services with reasonable notice
- Update these Terms as required by law or business needs
- Terminate service relationships for cause
- Refuse service in our sole discretion
Changes to Terms
We may update these Terms periodically. Material changes will be posted on our website with a new "Last Updated" date. Continued use of our services after changes constitutes acceptance of the updated Terms.
Contact Information
If you have questions about these Terms or our services, please contact us:
Service Contact Information
Licensed Mortgage Loan Originator
NEXA Mortgage
[Physical Address - To be provided]
www.nmlsconsumeraccess.org