Ramon Espinoza Home Loans
Last Updated: March 19, 2026
1. Acceptance of Terms
By accessing or using this website, you agree to comply with and be bound by these Terms and Conditions. If you do not agree with these terms, please do not use this website.
2. Website Purpose
This website provides general information about mortgage services and related resources. Information provided on this site does not constitute a commitment to lend or approve any loan.
3. SMS/Text Messaging Terms
By opting in to receive SMS/text messages from Ramon Espinoza Home Loans, you agree to receive messages related to mortgage inquiries, application updates, appointment scheduling, and related services.
- Message frequency may vary.
- Message and data rates may apply.
You may opt out at any time by replying STOP to any message. For assistance, reply HELP or contact us through this website.
Consent to receive SMS/text messages is not a condition of purchase.
Carriers are not liable for delayed or undelivered messages.
4. No Mobile Data Sharing for Marketing
Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes.
5. Relationship to NEXA Mortgage
This website is operated by Ramon Espinoza Home Loans and is powered by NEXA Mortgage, LLC. Certain services and disclosures may also be governed by NEXA Mortgage policies.
6. Limitation of Liability
Ramon Espinoza Home Loans is not responsible for any errors, omissions, or outcomes resulting from the use of this website or communications sent through it.
7. Changes to Terms
We reserve the right to update or modify these Terms and Conditions at any time. Any changes will be posted on this page with an updated effective date.
8. Privacy Policy
Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference. Our Privacy Policy describes how we collect, use, and protect your personal information, including information related to SMS/text messaging. We encourage you to review our Privacy Policy, available on this website, before using our services or submitting any personal information.
9. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of the state in which Ramon Espinoza Home Loans operates, without regard to its conflict of law provisions.
10. Contact Information
If you have questions about these Terms and Conditions, please contact us through this website.
