Terms of use

Nothing on this website is an offer or commitment to lend, a rate quote, a pre-approval, or a guarantee of any particular loan term. All loans are subject to credit approval, income and asset verification, property appraisal and valuation, title review, and program eligibility. Not all applicants will qualify. Program availability and terms vary by state and are subject to change without notice.

The calculators and illustrations on this site produce approximate figures generated solely from values you enter. They are educational tools. They do not reflect any specific interest rate, annual percentage rate, loan term, payment amount, or finance charge, and they do not account for taxes, insurance, mortgage insurance, homeowners association dues, closing costs, or any other amount that would form part of an actual payment.

You should not make a financial decision on the basis of a figure produced by this site. Speak to a licensed loan originator and obtain written disclosures before acting.

Consolidating shorter-term debt into a mortgage secured by your home may increase the total interest you pay over the life of the debt, and converts unsecured debt into debt secured by your home. Failure to repay a loan secured by your home may result in the loss of that home.

Homeland Financing operates as a net branch of NEXA Mortgage, LLC. NEXA Mortgage, LLC is licensed under NMLS #1660690. Sam Ahmed is licensed under NMLS #221307. You may verify these licenses at the NMLS Consumer Access website.

We are licensed to originate loans in the following 27 jurisdictions: AL, AR, CA, FL, GA, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, NC, NV, OK, OR, PA, SC, TN, TX, VA, VI, WA, WI. We do not solicit or originate loans in states where we are not licensed. Content on this site is not an offer to lend in any jurisdiction where we are not licensed.

You agree that the information you provide through this site is accurate and that you are authorised to provide it. Do not submit another person's information without their permission.

Please do not send Social Security numbers, account numbers, or other sensitive identifiers through the forms on this site. Secure collection of that information happens later, through a protected application channel.

Your use of the forms on this site is also governed by our privacy policy.

If you provide your mobile number and tick the consent box on a form, Homeland Financing may send you text messages about your enquiry and about financing options. Consent is not a condition of any purchase or of obtaining credit.

Message frequency varies and depends on how your enquiry progresses. Message and data rates may apply, charged by your mobile carrier, not by us.

Reply STOP at any time to stop receiving messages. You will receive one confirmation that you have been unsubscribed, and no further messages after that. Reply START to resubscribe. Reply HELP for assistance, or call us on the number at the foot of this page.

Carriers are not liable for delayed or undelivered messages. Message delivery depends on your carrier and your handset, and we cannot guarantee it.

No mobile information is shared with third parties or affiliates for marketing or promotional purposes, and text messaging opt-in data is never shared with any third party.

The design, text, photography and code on this site are owned by Homeland Financing or its licensors and are protected by copyright and trademark law. You may view and print pages for your own personal, non-commercial use. You may not reproduce, republish or redistribute any part of the site without written permission.

This site links to third-party websites, including NMLS Consumer Access and Google. We do not control those sites and are not responsible for their content, availability or privacy practices. Reviews displayed from Google Business Profile are authored by their respective reviewers and are not edited by us.

This site is provided "as is" and "as available", without warranties of any kind, express or implied, to the fullest extent permitted by law. We do not warrant that the site will be uninterrupted, error-free, or that any information on it is complete or current.

To the fullest extent permitted by law, we are not liable for any indirect, incidental, consequential, special or punitive damages arising from your use of this site.

We aim to meet WCAG 2.1 Level AA. If you encounter a barrier using this site, call 708-888-1518 and we will help you directly and work to fix it.

Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, familial status, disability, age, or because all or part of your income derives from a public assistance program.

These terms are governed by the laws of the State of Illinois, without regard to conflict-of-law principles. We may revise these terms at any time; the date above reflects the most recent revision.

Questions about these terms: 708-888-1518, or 999 Oakmont Plaza Dr, Ste 600, Westmont, IL 60559.