Terms of Service

Effective Date: 8/12/2025

1. Acceptance of Terms

By accessing and using the National Mortgage Home Loans (NMHL) website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Services Description

NMHL provides mortgage lending services, including but not limited to:

• Home purchase loans
• Refinancing services
• Mortgage pre-approval
• Rate comparison tools
• Educational resources and calculators

3. User Responsibilities

When using our services, you agree to:

• Provide accurate and truthful information
• Maintain the confidentiality of your account credentials
• Comply with all applicable laws and regulations
• Not use our services for any illegal or unauthorized purpose
• Promptly notify us of any unauthorized use of your account

4. Loan Terms and Conditions

All loans are subject to credit approval and verification. Terms include:

• Interest rates vary based on creditworthiness and market conditions
• Down payment requirements may apply
• Property appraisal and inspection may be required
• Additional fees and closing costs may apply

Final loan approval is contingent upon meeting all underwriting requirements.

5. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy. We are committed to protecting your personal information and maintaining compliance with all applicable data protection laws. Please review our Privacy Policy for detailed information about how we collect, use, and protect your data.

6. Limitation of Liability

NMHL shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use our services. Our total liability shall not exceed the amount of fees paid by you for the services in question.

7. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. We will notify users of any material changes via email or through our website. Your continued use of our services after such modifications constitutes acceptance of the updated terms.

8. Contact Information

For questions about these Terms of Service, please contact us at: