Effective Date: September 10, 2026
Last Updated: September 10, 2026

Please read these Terms and Conditions (“Terms”) carefully before using the website located at https://yourmortgageloanofficer.com (the “Site”). The Site is operated by Leonardo Caruso, NMLS Loan Officer License #2052094, a licensed mortgage loan officer operating as an independent contractor under [Insert Broker’s Legal Name], NMLS# [Insert Broker NMLS ID] (the “Broker”). References to “I,” “me,” or “my” refer to Leonardo Caruso.

By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. About This Site

This Site is provided for informational purposes to help visitors learn about mortgage loan products, request rate information, and begin the process of applying for a mortgage loan. It is not a lender, and content on this Site does not constitute a commitment to lend or an offer to extend credit.

All loan origination activity conducted through or in connection with this Site is performed under the license and oversight of the Broker. Loan approval, terms, and underwriting decisions are made by the Broker and/or the funding lender or investor, not by me individually.

2. Not Financial, Legal, or Tax Advice

Information on this Site — including rate estimates, calculators, articles, and general guidance — is provided for general informational purposes only and does not constitute financial, legal, tax, or investment advice. You should consult with a qualified professional regarding your specific financial situation before making any decisions.

Rates, programs, and qualification requirements are subject to change without notice and are not guaranteed until locked and confirmed in writing.

3. Equal Housing Opportunity

I am committed to compliance with the Fair Housing Act and Equal Credit Opportunity Act. Loan approval is based on creditworthiness and other lawful underwriting criteria, without regard to race, color, religion, national origin, sex, marital status, age, disability, receipt of public assistance income, or the exercise of any right under the Consumer Credit Protection Act.

4. No Guarantee of Loan Approval

Submitting an inquiry, pre-qualification request, or application through this Site does not guarantee loan approval, a specific interest rate, or specific loan terms. All applications are subject to underwriting review, credit approval, income and asset verification, appraisal, and other conditions determined by the Broker and/or funding lender.

5. Accuracy of Information You Provide

You agree to provide true, accurate, current, and complete information when using this Site, including in any inquiry, pre-qualification, or loan application submission. Providing false or misleading information on a loan application may constitute mortgage fraud under federal and state law.

6. Intellectual Property

All text, graphics, logos, and other content on this Site, unless otherwise noted, are my property or used with permission and are protected by applicable copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works from this content without prior written consent.

7. Third-Party Links

This Site may contain links to third-party websites, including lender portals, calculators, or partner resources. I do not control and am not responsible for the content, privacy practices, or accuracy of information on any third-party site. Links are provided for convenience only and do not constitute an endorsement.

8. Communications and Consent

By submitting your contact information through this Site (including via a form, chat, or click-to-call feature), you consent to be contacted by me and/or the Broker by phone, text message, and/or email regarding your inquiry, using the information you provided, including through automated dialing or messaging systems where applicable. Message and data rates may apply.

Consent to receive communications is not a condition of obtaining a loan. You may opt out of marketing communications at any time.

9. Site Availability and Errors

I do not guarantee that the Site will be available, uninterrupted, secure, or error-free at all times. Rate quotes, calculators, and other tools are estimates only and may contain errors; they are not a substitute for a formal Loan Estimate or Closing Disclosure issued during the loan process.

10. Limitation of Liability

To the fullest extent permitted by law, I and the Broker will not be liable for any indirect, incidental, consequential, or special damages arising out of or relating to your use of, or inability to use, this Site, including but not limited to reliance on any rate estimate, calculator result, or other information provided on the Site.

11. Indemnification

You agree to indemnify and hold harmless Leonardo Caruso and the Broker from any claims, damages, losses, or expenses (including reasonable attorneys’ fees) arising out of your misuse of the Site or violation of these Terms.

12. Governing Law

These Terms are governed by the laws of the State of Hawaii, without regard to its conflict of law principles, unless otherwise required by the licensing jurisdiction applicable to a specific loan transaction.

13. Changes to These Terms

I may update these Terms from time to time. The “Last Updated” date at the top of this page reflects the most recent revision. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

14. Privacy

Your use of the Site is also governed by my Privacy Policy, which describes how information submitted through the Site is collected, used, and shared.

15. Contact Information

Questions about these Terms can be directed to:

Leonardo Caruso
NMLS Loan Officer License #2052094
Licensed Life Insurance and Annuities Producer #4164532
Independent Contractor Loan Officer with [Insert Broker’s Legal Name]
NMLS# [Insert Broker NMLS ID]
304 South Jones Boulevard
Suite 3859
Las Vegas, NV 89107
(323) 949-6686 — Text or Call
Leonardo@yourmortgageloanofficer.com

This page is a general template and does not constitute legal advice. Because you originate loans as an independent contractor under a licensed broker, have the Broker’s compliance team or an attorney familiar with mortgage lending review this page – many brokers require specific disclosure language, licensing citations, or approved terms for loan officer websites.