Disclosures

Legal pages are usually written to be skimmed. This one is written to be understood. The binding formal notices also appear in the footer of every page.

Each item here says what a notice means in ordinary language. The formal versions live in the site footer and in this page's closing sections.

If plain words and formal text ever seem to differ, the formal text controls.

New Century Financial Mortgage, LLC, NMLS #1967971, is a mortgage broker. We arrange loans through many lenders. We do not make the final credit decision and we do not fund the loan ourselves.

Broker compensation is disclosed in writing on your file. Either the lender pays us or you do — never hidden, never both ways on the same deal.

We do business under the federal Fair Housing Act and the Equal Credit Opportunity Act. Lending decisions rest on credit, income, assets, and the property.

Neighborhood, zip code, and any protected class never enter the decision. Not quietly. Not at all.

Everything on this site is educational. Program terms, requirements, and availability change with markets and lenders, and they vary by borrower and property.

Nothing on these pages is a commitment to lend, a rate quote, or a Loan Estimate. Those exist only on your actual file, in writing, with the full terms attached. All loans are subject to credit approval.

Florida: licensed by the Florida Office of Financial Regulation. We are not affiliated with or endorsed by any government agency. Commercial and business-purpose financing may be available in most U.S. states case-by-case where permitted.

Dollar figures in guides — limits, bands, sample math — illustrate how programs work. The 2026 conforming limit of $832,750 is real; worked examples around it are teaching tools, not quotes.

Third-party names and marks belong to their owners. References are for identification, not endorsement.

Screenshots, sample scenarios, and calculators follow the same rule: they teach the shape of the math so your real numbers make sense faster.

When you submit a form here, you are asking us to respond — by email or phone, at the contact you gave. That consent is the reason we can reply at all, and you can withdraw it any time.

Email is convenient but not perfectly private. For sensitive documents, we move the file to secure channels and tell you exactly where to upload.

One habit protects everyone: we confirm wire and payoff details by voice on a number you already trust, never by email alone. Please hold us to that.

Read the plain sections first. They tell you who we are, what we do, and where we are licensed. The formal text below them is the legal version of the same ideas. If the two ever seem to differ, the formal text controls.

Keep one habit in mind: nothing on this site is a quote for your file. Rates, programs, and costs change daily and depend on your credit, income, assets, and the property itself. The numbers in our articles and calculators exist to teach, not to promise.

Questions about anything here are welcome. Use the contact page and a licensed professional will answer in plain words, with the formal citations if you want them.