Terms of Use

By accessing or using the Smith Lending Solutions website (“Site”), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this Site. Smith Lending Solutions is a DBA of Nexa Mortgage, LLC, NMLS #1660690. These terms constitute a legally binding agreement between you and Smith Lending Solutions.

Loan products, terms, and availability may vary by state and are subject to change without notice. Not all applicants will qualify for all products or the lowest available rates.

All interest rates, annual percentage rates (APR), and loan terms displayed on this Site are for informational purposes only and are subject to change without notice. Displayed rates:

• Are wholesale rate indications sourced from the Nexa Mortgage wholesale desk
• May not reflect the actual rate available to you based on your individual financial profile
• Are updated periodically but may not reflect real-time market conditions
• Do not include all fees, costs, or charges that may apply to your loan
• Require a complete loan application, credit review, and property appraisal to determine actual rates and terms

Contact us for a personalized rate quote based on your specific financial situation.

The mortgage calculators, payment estimators, and financial tools available on this Site are provided for educational and illustrative purposes only. These tools:

• Provide estimates that may differ from actual loan terms, costs, and payments
• Do not account for all variables that affect loan pricing, including but not limited to credit score, loan-to-value ratio, property type, and occupancy
• Should not be relied upon as financial advice or as a guarantee of any specific loan terms
• Are not a substitute for professional financial, tax, or legal advice

Results from any calculator or tool on this Site do not represent an offer to lend, a loan commitment, or a guarantee of rates or terms.

This Site may include features powered by artificial intelligence, including but not limited to chat assistants and automated recommendations. These AI features:

• Are provided for informational and convenience purposes only
• May generate responses that are not always accurate or complete
• Do not constitute financial, legal, or professional advice
• Should not be relied upon as the sole basis for any lending or financial decision

All content on this Site, including but not limited to text, graphics, logos, images, software, and design elements, is the property of Smith Lending Solutions, Nexa Mortgage, LLC, or their respective licensors and is protected by United States copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any content from this Site without our prior written consent, except for personal, non-commercial use in connection with our services.

When using this Site, you agree not to:

• Provide false, misleading, or fraudulent information in any form, application, or communication
• Attempt to gain unauthorized access to any portion of the Site or its systems
• Use the Site for any unlawful purpose or in violation of applicable regulations
• Interfere with or disrupt the Site’s operation, security, or infrastructure
• Scrape, crawl, or use automated means to access the Site without our written permission

This Site may contain links to third-party websites, including but not limited to the NMLS Consumer Access portal, government agencies, and partner services. We are not responsible for the content, accuracy, or practices of any third-party websites. Links do not imply endorsement, and we encourage you to review the terms and privacy policies of any third-party site you visit.

To the fullest extent permitted by applicable law, Smith Lending Solutions, Nexa Mortgage, LLC, and their respective officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of this Site, including but not limited to:

• Reliance on any information, rates, or estimates provided on this Site
• Errors, inaccuracies, or omissions in Site content or calculator results
• Unauthorized access to or alteration of your data or transmissions
• Service interruptions or Site unavailability

This Site and its content are provided “as is” and “as available” without warranties of any kind, either express or implied.

You agree to indemnify, defend, and hold harmless Smith Lending Solutions, Nexa Mortgage, LLC, and their respective officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of your use of this Site or violation of these Terms.

These Terms of Use shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of law principles. Any dispute arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in the Commonwealth of Virginia.

We reserve the right to modify these Terms of Use at any time. Changes will be effective upon posting to this Site. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

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