Website Policies and Terms of Use
PLEASE READ. YOUR USE OF THIS WEBSITE IS SUBJECT TO THESE POLICIES AND TERMS OF SERVICE.
This website (“website”) is owned and operated by Nexera Holding LLC dba Newfi Lending (collectively referred to as “Newfi Lending”). The policies set forth herein comprise the Terms of Use for this website and any associated websites. By accessing, browsing, or using this website, you acknowledge that you have read, understand, and agree to be bound by these terms and to comply with all applicable laws and regulations. Each use of this website by you indicates and confirms your agreement to be bound by these Terms of Use. If you do not agree to these terms, please do not use this Website.
Your use of this website or any Services or information derived from this website constitutes acceptance of these policies and any other applicable terms. The Terms of Service for this website are hereby incorporated by reference.
Data Security and Protection
While Newfi Lending takes reasonable and appropriate precautions to protect its customers and to prevent possible security breaches in our website and customer databases, no website, internet transmission, computer system or wireless connection is completely secure. Consequently, Newfi Lending cannot guarantee that unauthorized access, hacking, data loss or other breaches will never occur. YOUR USE OF THE WEBSITE AND SERVICES IS AT YOUR OWN RISK.
Newfi Lending does not make any express or implied warranties, representations or endorsements with respect to links, files or other information provided on, downloaded from or accessed through this website. This website may also provide links or data connections to third-party websites or web applications. Newfi Lending does not control the content of third-party sites and cannot be held responsible or liable for the content or accuracy of any external websites.
Limitation of Liability
By using this website or any website managed by Newfi Lending, you agree that Newfi Lending shall not be liable or responsible, directly or indirectly, for any damage or loss alleged to be caused by or in connection with the use of this website, its data connections, links, applications, downloadable files or other information or functions contained herein or found on any website that may be accessed or connected to by way of this website.
We reserve the right to make changes to Newfi Lending’s websites and our legal disclaimers.
We encourage you to review Newfi Lending’s websites and these disclaimers periodically for any updates or changes.
Your continued access or use of Newfi Lending’s website shall be deemed your acceptance of these disclaimers and any subsequent changes.
DISCLAIMER OF WARRANTY
USE OF THIS WEBSITE IS AT YOUR SOLE RISK. ALL MATERIALS, INFORMATION, PRODUCTS, SOFTWARE, PROGRAMS, AND SERVICES ARE PROVIDED “AS IS,” WITH NO WARRANTIES OR GUARANTEES WHATSOEVER. NEWFI LENDING EXPRESSLY DISCLAIMS TO THE FULLEST EXTENT PERMITTED BY LAW ALL EXPRESS, IMPLIED, STATUTORY, AND OTHER WARRANTIES, GUARANTEES, OR REPRESENTATIONS, INCLUDING, WITHOUT LIMITATION, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF PROPRIETARY AND INTELLECTUAL PROPERTY RIGHTS. WITHOUT LIMITATION, NEWFI LENDING MAKES NO WARRANTY OR GUARANTEE THAT THIS WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE.
YOU UNDERSTAND AND AGREE THAT IF YOU DOWNLOAD OR OTHERWISE OBTAIN MATERIALS, INFORMATION, PRODUCTS, SOFTWARE, PROGRAMS, OR SERVICES, YOU DO SO AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGES THAT MAY RESULT, INCLUDING LOSS OF DATA OR DAMAGE TO YOUR COMPUTER SYSTEM.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.
LIMITATION OF DAMAGES
IN NO EVENT WILL NEWFI LENDING BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES OF ANY TYPE WHATSOEVER RELATED TO OR ARISING FROM THIS WEBSITE OR ANY USE OF THIS WEBSITE, OR OF ANY WEBSITE OR RESOURCE LINKED TO, REFERENCED, OR ACCESSED THROUGH THIS WEBSITE, OR FOR THE USE OR DOWNLOADING OF, OR ACCESS TO, ANY MATERIALS, INFORMATION, PRODUCTS, OR SERVICES, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOST SAVINGS OR LOSS OF PROGRAMS OR OTHER DATA, EVEN IF NEWFI LENDING IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS EXCLUSION AND WAIVER OF LIABILITY APPLIES TO ALL CAUSES OF ACTION, WHETHER BASED ON CONTRACT, WARRANTY, TORT, OR ANY OTHER LEGAL THEORIES.
Use of Website Content
This website and any of its content may not be copied, reproduced, republished, uploaded, posted, transmitted, distributed, or used for the creation of derivative works without Newfi Lending’s prior written consent, except that Newfi Lending grants you a non-exclusive, non-transferable, limited license to access and display the pages within this website solely on your computer and for your personal, non-commercial use. This permission is conditioned on your not modifying the content displayed on this website, your adherence to and positing of all copyright, trademark, and other proprietary notices. Furthermore, you acknowledge and agree that you do not acquire any ownership rights by downloading or viewing any website content and hereby disclaim any such right. Notwithstanding the foregoing, any software and other materials that are made available for downloading, access, or other use from this website may be subject to their own license terms or restrictions, which may govern their use.
You may not use this website’s content, domain names, or any email addresses related to or derived from this website, nor any data, trademarks, functionality, service marks, trade names, brand names and/or logos contained within or derived from this website, for any purpose; meaning that you may not, among other prohibited uses, use any such content in or as any meta-tag or hidden text; in or as part of any contextual marketing directory, index, or triggering term; as content or advertising related to any other website including, but not limited to, comparative/informational websites; and/or as a variable or data element in any algorithm that causes another Internet browser to appear on, over, or at the same time as this website or controls the content of any other Internet browser window. Your failure to comply with the terms, conditions, and notices on this website will result in automatic termination of any rights granted to you without prior notice, and you must immediately destroy all copies of downloaded materials in your possession or control. Except for the limited permission previously defined, Newfi Lending does not grant you any express or implied rights or licenses under any patents, trademarks, copyrights, or other proprietary or intellectual property rights. You may not mirror any of the content from this website on another Website or in any other media.
Certain Disclaimers
Information on this website is not promised or guaranteed to be correct, current, or complete, and this website may contain technical inaccuracies or typographical errors. Newfi Lending assumes no responsibility (and expressly disclaims responsibility) for updating this website to keep information current or to ensure the accuracy or completeness of any posted information. Accordingly, you should confirm the accuracy and completeness of all posted information before making any decision related to any services, products, or other matters described in this website.
Newfi Lending provides no assurances that any reported problems will be resolved by Newfi Lending even if Newfi Lending elects to provide information with the goal of addressing a problem. Any comments, improvements, suggestions, and ideas regarding this website will become and remain our exclusive property, including any future rights associated with such submissions, even if the provisions of these Terms of Use are later modified or terminated.
This website is published for distribution through the world wide web. Newfi Lending’s products and services are not available in all geographic areas. Newfi Lending does not lend in the State of New York, and this website should not be used by New York consumers.
Contact Us With Questions
Newfi Lending is dedicated to providing you with a great on-line experience. Please feel free to contact us with any questions or concerns. Questions or comments should be directed to:
Newfi Lending 888-415-1620
or by email: compliance@newfi.com
Newfi Lending reserves the right to update or amend its websites’ Terms of Use at any time. All changes will be effective when posted, and your continued use of the website after the posting will constitute acceptance of, and agreement to be bound by, those changes.
Effective Date: May 5, 2017
Licensing
NEXERA HOLDING LLC dba NEWFI LENDING – NMLS ID 1231327
NMLS Consumer Access
HUD Approved Direct Lender (Title II), ID No. 0038900004
Veterans Administration Approved Lender No. 907710-00-00
ALABAMA
Licensed by the State Banking Department – Consumer Credit License No. 23153
ALASKA
Licensed by the Department of Commerce, Community, and Economic Development, License No. AK1231327
ARIZONA
Licensed by the Arizona Department of Financial Institutions – Mortgage Banker License No. 0929672
ARKANSAS
Licensed by the Arkansas Securities Department – Combination Mortgage Banker – Broker – Servicer License No. 128218
CALIFORNIA
Licensed by the Department of Business Oversight under the California Finance Lenders Law, License No. 60DBO43045 and under the Residential Mortgage Lending Act, License No. 41DBO-71410
COLORADO
Regulated by the Division of Real Estate – Mortgage Company Registration
CONNECTICUT
Licensed as a Mortgage Lender ML-1231327
DELAWARE
Licensed as a Mortgage Lender by the State Bank Commissioner, No. 035586
DISTRICT OF COLUMBIA
Licensed by the DC Department of Insurance, Securities and Banking – Mortgage Lender License No. MLO1231327
FLORIDA
Licensed by the Florida Office of Financial Regulation – Mortgage Lender License No. ML-D1217
GEORGIA
Licensed by the Georgia Department of Banking & Finance – Residential Mortgage Lender License No. 69533
HAWAII
Mortgage Loan Originator Company License HI-1231327
IDAHO
Licensed by the Idaho Department of Finance, Mortgage Broker/Lender License MBL-2081231327
INDIANA
Licensed by the Indiana Department of Financial Institutions, Mortgage Lending License No. 63364
ILLINOIS
Illinois Residential Mortgage Licensee. Mortgage Banker (MB) License Number: MB.6761082
NMLS ID 1231327 – Nexera Holding LLC
Illinois Department of Financial and Professional Regulation (IDFPR)
James R. Thompson Center (JRTC)
100 West Randolph Street – 9th Floor, Chicago IL 60601
General Inquiry Inquiries: 1-888-473-4858
Division of Banking Direct: 1-844-768-1713
TTY: 1-866-325-4949
IOWA
Licensed by the Iowa Division of Banking, Mortgage Banker License No. 2021-0174, Mortgage Banker License – Other Trade Name #2 License No. 2021-0177, and Mortgage Banker License – Other Trade Name #3 License No. 2021-0178
KANSAS
Mortgage Company License No. MC.0025854
KENTUCKY
Mortgage Company License No. MC760287
LOUISIANA
Licensed by the LA Office of Financial Institutions
MAINE
Supervised Lender License No. 1231327
MARYLAND
Maryland Mortgage Lender License 22762
MICHIGAN
Licensed by the Michigan Office of Financial and Insurance Regulation – 1st Mortgage Broker/Lender License No. FL-0019705
Michigan Notice to Inquirers and Loan Applicants
MINNESOTA
Minnesota Residential Mortgage Originator License MN-MO-1231327
MISSISSIPPI
Mortgage Lender License No. 1231327
MISSOURI
Licensed by the Missouri Division of Finance, Mortgage Company License No. 1231327-S
MONTANA
Mortgage Lender/Servicer 1231327
NEBRASKA
Mortgage Banker License
NEVADA
Mortgage Company License No. 5566
NEW HAMPSHIRE
Licensed by the New Hampshire Banking Department License No. 24764-MB.
NEW JERSEY
Licensed by the NJ Banking and Insurance Department – Residential Mortgage Lender License
NEW MEXICO
Licensed by the NM Financial Institutions Division
NORTH CAROLINA
Licensed as a Mortgage Lender by the Commissioner of Banks No. L-192926
NORTH DAKOTA
Licensed as a Money Broker by the North Dakota Department of Financial Institutions License No. MB104028
OHIO
Ohio Residential Mortgage Lending Act Certificate of Registration #RM.502037.000
OKLAHOMA
Licensed by the Oklahoma Department of Consumer Credit, Mortgage Lender License #ML014718
OREGON
Licensed by the Oregon Division of Finance & Corporate Securities – Mortgage Lending License No. ML-5334
PENNSYLVANIA
Licensed by the Pennsylvania Department of Banking – Mortgage Lender License No. 50194
RHODE ISLAND
Licensed by the Rhode Island Department of Business Regulation – Lender License No. 20234541LL
SOUTH CAROLINA
Licensed by the Board of Financial Institutions – Mortgage Lender/Servicer License No. MLS-1231327
SOUTH DAKOTA
Mortgage License No. ML.1231327
TENNESSEE
Mortgage License No. 1231327
TEXAS
NMLS 1231327
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
UTAH
Residential Utah Department of Financial Institutions, First Mortgage Notification, License #1231327
VERMONT
Residential Vermont Department of Financial Regulation, Lender License LL-1231327
VIRGINIA
Bureau of Financial Institutions, Lender License MC-5926
WASHINGTON
Licensed by the Department of Financial Institutions, License No. CL-1231327
WEST VIRGINIA
Licensed by the West Virginia Division of Financial Institutions, License No. ML-1231327
WISCONSIN
Wisconsin Mortgage Banker License 1231327BA
WYOMING
Mortgage Lender/Broker License 3969