Terms of service

Effective Date: August 17, 2025
Last Updated: August 17, 2025

Welcome to javihomelender.com (“Site”). By accessing or using our website, tools, or services (collectively, the “Services”), you agree to these Terms of Service (“Terms”). If you do not agree, discontinue use immediately.

1. Company & Licensing Information

This Site is operated by Javier Diaz, NMLS ID 1918954.

Licensed Mortgage Professional in Arizona and Illinois

Equal Housing Lender

Regulated by IDFPR Illinois Department of Financial & Professional Regulation and DIFI Arizona Department of Insurance and Financial Institutions

Contact Information:

Email: info@javihomelender

Phone: 480-440-7506

2. Eligibility

You must be at least 18 years old and legally able to enter into contracts to use this Site. By using our Services, you represent that you meet these requirements.

3. No Guarantee of Loan Approval

Information on this Site is for informational purposes only and does not constitute a loan approval, prequalification, or commitment to lend.
All loans are subject to:

Credit approval

Verification of income, assets, and employment

Satisfactory property appraisal

Compliance with applicable underwriting guidelines, investor requirements, and federal/state regulations

4. Equal Housing Opportunity

We are proud to be an Equal Housing Lender. In accordance with the Fair Housing Act and the Equal Credit Opportunity Act (ECOA), we do not discriminate in lending on the basis of race, color, religion, sex, handicap, familial status, national origin, marital status, age, receipt of public assistance, or exercise of consumer rights under the Consumer Credit Protection Act.

5. Consumer Disclosures

a) Truth in Lending Act (TILA)

Disclosures regarding interest rates, APR, and payment obligations will be provided in writing as required by law during the application process.

b) Real Estate Settlement Procedures Act (RESPA)

You will receive Loan Estimates and Closing Disclosures outlining settlement costs and terms in compliance with federal requirements.

c) Electronic Communications (E-Sign Act)

By using our Site, you consent to receive communications, disclosures, and notices electronically. You may withdraw consent at any time by contacting us in writing.

6. User Responsibilities

When using the Services, you agree not to:

Provide false, incomplete, or misleading information.

Misuse the Site for unlawful or fraudulent purposes.

Attempt unauthorized access to systems or data.

Interfere with Site operation or security.

You are responsible for maintaining the confidentiality of any login credentials, and for all activities under your account.

7. Intellectual Property

All content on this Site, including text, graphics, logos, and software, is the property of javihomelender.com or its licensors. You may not copy, reproduce, or distribute content without prior written permission, except for personal, non-commercial use.

8. Third-Party Services & Links

We may provide links to third-party tools (e.g., credit agencies, payment processors, calculators). We do not control or endorse third-party sites and are not responsible for their practices. Please review their terms and privacy policies separately.

9. Disclaimers

Informational Only: Content is for general education and marketing purposes, not financial, legal, or tax advice.

Accuracy: We strive for accuracy but do not guarantee all Site content is complete, current, or error-free.

No Fiduciary Duty: Your use of this Site does not create a fiduciary or lender-borrower relationship until you formally apply and receive disclosures.

10. Limitation of Liability

To the fullest extent permitted by law, javihomelender.com, its affiliates, and employees are not liable for any indirect, incidental, or consequential damages arising from your use of the Site.

11. Privacy

Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.

12. Governing Law

These Terms are governed by the laws of the State of Arizona & Illinois, without regard to conflict-of-law principles. Disputes will be resolved in the courts of Arizona & Illinois.

13. Changes to Terms

We may update these Terms at any time. Updated versions will be posted here with a revised “Last Updated” date. Continued use constitutes acceptance of the revised Terms.

14. Contact Us

For questions or concerns, contact us:

Email: [email protected]

Phone: 480-440-7506

NMLS Consumer Access: https://www.nmlsconsumeraccess.org