Terms of Use

1. Acceptance of Terms

By accessing and using Rate Direct (ratedirect.net), you agree to be bound by these Terms of Use. If you do not agree, please do not use this website. This site is operated by Jennifer Kirby (NMLS# 2672337), a licensed loan officer with NEXA Mortgage LLC (NMLS# 1660690) and Loan Factory Inc (NMLS# 320841).

2. Services Description

Rate Direct provides real-time mortgage rate pricing information, educational content, and loan application services for residential mortgage financing including conventional, FHA, VA, USDA, bank statement, asset qualifying, and 1099 income loans. The pricing tool displays live rates from wholesale lenders in our network.

3. Not a Commitment to Lend

Nothing on this website constitutes a commitment to lend, a guarantee of loan approval, or an offer to lend in any jurisdiction where such an offer would be prohibited. All loan applications are subject to lender underwriting requirements, credit approval, and applicable regulations. Rates and terms displayed are subject to change without notice and may vary based on individual qualifications.

4. Rate Information

Rates displayed on this site are sourced from wholesale lenders in real time and are subject to change throughout the day based on market conditions. Displayed rates include a 1% origination fee reflected in the APR; no-origination-fee options may be available. Actual rates offered to you may differ based on your specific financial profile, property details, and lender requirements.

5. User Responsibilities

You agree to:

• Provide accurate and truthful information when using our services
• Not use this site for any unlawful purpose
• Not attempt to gain unauthorized access to any part of this site or its systems
• Not scrape, copy, or reproduce the content or functionality of this site
• Not interfere with the proper functioning of this site

6. Intellectual Property

All content on this site, including text, graphics, design, and functionality, is the property of Rate Direct and/or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without prior written permission.

7. Limitation of Liability

Rate Direct and its operators are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this site, reliance on rate information displayed, or any loan transaction. This site and its content are provided "as is" without warranties of any kind, express or implied.

8. Third-Party Links

This site may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of any third-party sites.

9. Privacy

Your use of this site is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.

10. Changes to These Terms

We may update these Terms of Use at any time. Changes are effective when posted. Continued use of the site after changes constitutes acceptance of the revised terms.

11. Contact

For questions about these terms, contact us at: