Disclosures
Important Information About Our Services
Mortgage Broker Disclosure
EHM Strategies, LLC (NMLS #[INSERT NMLS]) operates as a mortgage broker and is not a direct lender. As a mortgage broker, we work with multiple lending partners to find financing solutions for our clients. We do not make credit decisions, approve loans, or fund mortgages. All loan decisions are made by our lending partners based on their underwriting criteria.
Not a Commitment to Lend
The information provided on this website is for informational purposes only and does not constitute a loan application, loan approval, or commitment to lend. Any pre-qualification or quote provided is an estimate only and is subject to change. Actual terms will be determined after a complete application is submitted and reviewed by our lending partners.
Rates and Terms
Interest rates, loan terms, and program availability are subject to change without notice. The rates and terms you receive will depend on several factors including, but not limited to:
- Your credit profile and financial history
- Loan-to-value ratio (LTV)
- Property type and location
- Loan amount and purpose
- Market conditions at the time of rate lock
- Debt service coverage ratio (for DSCR loans)
Investment Property Loans
The loan programs described on this website are designed for non-owner occupied investment properties only. These are business-purpose loans and may not be subject to all consumer protection regulations that apply to residential mortgages, including:
- Truth in Lending Act (TILA) disclosures
- RESPA requirements
- Right of rescission
- Ability to repay requirements
You should consult with a legal or financial advisor if you have questions about the nature of these loans.
State Licensing
EHM Strategies, LLC is licensed to broker loans in multiple states. Not all loan programs are available in all states. For a complete list of our state licenses and to verify our credentials, please visit the NMLS Consumer Access website and search for NMLS #[INSERT NMLS].
Equal Housing Opportunity
We are committed to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.
California Residents
Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, License #[INSERT CA LICENSE]. California residents may file a complaint with the DFPI at dfpi.ca.gov.
Questions?
If you have questions about these disclosures or our services, please contact us: