Terms of Use

1. Agreement to Terms

By accessing and using this website, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Services Description

Modern Mortgage provides mortgage loan origination services, including but not limited to:

• Mortgage loan applications and pre-approvals
• Mortgage loan products and programs
• Mortgage refinancing services
• Financial calculators and educational resources
• Mortgage information and consultation services

Our services are provided by licensed mortgage professionals in accordance with applicable state and federal laws.

3. Licensing and Regulatory Information

All mortgage loan origination activities are conducted by licensed loan officers under the supervision of NEXA Mortgage, LLC, in accordance with the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) and applicable state licensing requirements.

4. Mortgage Broker/Loan Originator Status

We are a licensed mortgage broker/loan originator. We work with multiple lenders to find mortgage products that may meet your needs. We do not make credit decisions or fund loans directly.

All loan decisions, including approval, denial, interest rates, and terms, are made by the lender. We are compensated through fees and/or commissions from lenders when loans are successfully closed.

5. Website Use and Restrictions

You agree to use this website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the website.

You agree not to:

• Use the website in any way that violates any applicable law or regulation
• Transmit any harmful code, viruses, or malicious software
• Attempt to gain unauthorized access to any portion of the website
• Use automated systems or bots to access the website without permission
• Reproduce, duplicate, copy, or resell any part of the website

6. Mortgage Calculator Disclaimer

Actual loan terms, interest rates, fees, and monthly payments may vary based on:

• Your credit history and credit score
• Loan-to-value ratio
• Debt-to-income ratio
• Loan amount and property type
• Property location
• Current market conditions
• Lender-specific requirements and policies

All calculations are estimates only and should not be relied upon as accurate representations of actual loan terms. You must speak with a licensed loan officer to receive accurate rate quotes and loan terms.

7. Loan Applications and Credit Checks

By submitting a loan application or requesting a pre-approval, you authorize us to:

• Obtain your credit report from one or more credit reporting agencies
• Verify information provided in your application with third parties
• Share your application information with potential lenders and investors
• Use your information to process and evaluate your loan application

Multiple credit inquiries in connection with a mortgage loan application within a short time period are typically treated as a single inquiry for credit scoring purposes, as allowed by the Fair Credit Reporting Act.

8. No Guarantee of Loan Approval

We do not guarantee that any loan application will be approved, that you will receive any particular interest rate or loan terms, or that your application will be approved within any specific timeframe. Loan approval is subject to lender underwriting criteria and credit decisions, which are beyond our control.

9. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, software, and the compilation thereof, is the property of Modern Mortgage or its content suppliers and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works from any content without our express written permission.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MODERN MORTGAGE AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

Our total liability for any claims arising from or related to the use of this website or our services shall not exceed the amount you paid to us, if any, for accessing the website or services.

11. Disclaimers

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN.

MODERN MORTGAGE AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE WEBSITE AT ANY TIME. WE PROVIDE THE WEBSITE AND SERVICES "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

12. Equal Credit Opportunity

13. Changes to Terms

We reserve the right to modify these Terms of Use at any time. We will notify users of any material changes by posting the new Terms of Use on this page and updating the "Last Updated" date. Your continued use of the website after such changes constitutes your acceptance of the new Terms of Use.

14. Governing Law and Jurisdiction

These Terms of Use shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms of Use will be brought exclusively in the federal or state courts located in California.

15. Contact Information

If you have questions about these Terms of Use, please contact us: