Terms of Service

1. Acceptance of Terms

These Terms of Service (“Terms”) govern your access to and use of the website operated by Jonathan Ashkenazy, a licensed Mortgage Loan Officer with Mortgage Inc (NMLS# 2028516), located at 2111 I-35 S Frontage Rd, Ste 1105, New Braunfels, TX 78130. By using this website, you agree to these Terms in full.

2. Description of Services

This website provides general information about mortgage loan products and services offered by Jonathan Ashkenazy, NMLS# 1993619, licensed in Florida and Texas. The information provided is for educational and informational purposes only and does not constitute financial, legal, or tax advice.

Services offered include, but are not limited to:

• FHA, Conventional, VA, and NON-QM mortgage loan consultations
• Pre-qualification assessments
• Mortgage rate and program information
• Educational resources related to home financing

3. No Commitment to Lend

The information on this website does not constitute a loan approval, commitment to lend, or guarantee of any specific loan terms or rates. All loan applications are subject to underwriting review and credit approval. Rates, fees, and program availability are subject to change without notice and may vary based on individual circumstances.

4. Accuracy of Information

We strive to provide accurate and up-to-date information on this website. However, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information for any purpose. Mortgage guidelines, rates, and programs change frequently — always verify current information directly with us.

5. User Conduct

When using this website or submitting information through our forms, you agree to:

• Provide accurate and truthful information
• Not use the website for any unlawful purpose
• Not attempt to gain unauthorized access to any portion of the website
• Not submit false or misleading loan application information
• Not interfere with the operation of the website

6. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Mortgage Inc or Jonathan Ashkenazy and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without express written permission.

7. Third-Party Links

This website may contain links to third-party websites for your convenience. We do not endorse or assume any responsibility for the content, privacy policies, or practices of any third-party websites. Your use of third-party sites is at your own risk.

8. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. California residents should also review our CCPA Disclosure.

9. Limitation of Liability

To the fullest extent permitted by law, Jonathan Ashkenazy and Mortgage Inc shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this website or the information contained herein. Our total liability for any claim arising from your use of the website shall not exceed the amount you paid us, if any, for the services giving rise to the claim.

10. Indemnification

You agree to indemnify and hold harmless Jonathan Ashkenazy, Mortgage Inc, and their respective officers, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorney’s fees) arising out of your use of this website or violation of these Terms.

11. Regulatory Compliance

Jonathan Ashkenazy is a licensed Mortgage Loan Officer (NMLS# 1993619) with Mortgage Inc (NMLS# 2028516), licensed in Florida and Texas. We operate in accordance with all applicable federal and state laws, including the Equal Credit Opportunity Act (ECOA), the Fair Housing Act, the Real Estate Settlement Procedures Act (RESPA), and the Truth in Lending Act (TILA).

To verify our licensing, visit NMLS Consumer Access.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Florida.

13. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the website. Your continued use of the website after any changes constitutes acceptance of the new Terms.

14. Contact Information

If you have questions about these Terms of Service, please contact:

• Jonathan Ashkenazy
• NMLS# 1993619
• Email: Jashkenazy@mortgage-inc.com
• Phone: (561) 726-0601
• Mortgage Inc, NMLS# 2028516
• 2111 I-35 S Frontage Rd, Ste 1105, New Braunfels, TX 78130