Terms & Conditions

1. Acceptance of Terms

By accessing or using necoechea.mortgage (the "Site"), you agree to be bound by these Terms & Conditions. If you do not agree, please do not use the Site. The Site is operated by Alex Necoechea III (NMLS #1983109), a loan officer licensed through Omega Realty & Lending, Inc. (NMLS #1532157, DRE #1526845).

2. Not a Commitment to Lend

Nothing on this Site constitutes a loan offer, a commitment to lend, or a guarantee of approval, rate, savings, or any other loan outcome. All loan programs are subject to credit approval, income and asset verification, appraisal, and underwriting guidelines. Rates, terms, and program availability are subject to change without notice and are not locked or guaranteed until confirmed in writing through a formal loan application process.

3. Use of This Site

You agree to use this Site only for lawful purposes. You agree not to:

• Submit false, misleading, or fraudulent information through any form on this Site;
• Attempt to interfere with the Site's security, functionality, or availability; or
• Use automated means (bots, scrapers) to access or extract content from the Site, other than standard search engine indexing.

4. Accuracy of Information

We work to keep information on this Site current and accurate, but mortgage programs, guidelines, and market conditions change frequently. Information on this Site is provided for general educational purposes and should not be relied upon as a final statement of loan terms available to you. Contact Alex or Kalia directly for information specific to your situation.

5. The Payment Calculator

Any payment calculator or estimate tool on this Site is provided for illustrative purposes only. Figures produced are estimates, not quotes, and do not account for all factors that affect an actual mortgage payment (such as final rate, taxes, insurance, HOA dues, or mortgage insurance). Actual loan terms will differ and are only established through a formal application and underwriting process.

6. Licensing & NMLS Disclosure

Alex Necoechea III is individually licensed as a Loan Officer in California, Texas, and Arizona (NMLS #1983109, DRE #01946844), operating through Omega Realty & Lending, Inc. (NMLS #1532157, DRE #1526845), located at 22201 Ventura Blvd #201, Woodland Hills, CA 91364. You can verify this licensing at nmlsconsumeraccess.org.

This Site is not intended for use in any state where Alex Necoechea III is not licensed to originate loans, and nothing on this Site should be interpreted as an offer to lend in such states.

7. Intellectual Property

The content, design, and branding of this Site — including text, graphics, logos, and the "Necoechea Mortgage Group" name — are the property of Alex Necoechea III and/or Omega Realty & Lending, Inc., unless otherwise noted. You may not reproduce, distribute, or create derivative works from this content without prior written permission.

8. Third-Party Links

This Site may link to third-party websites, including NMLS Consumer Access, for your convenience. We do not control and are not responsible for the content, accuracy, or practices of any third-party site.

9. Disclaimers & Limitation of Liability

This Site and its content are provided "as is" without warranties of any kind, express or implied. To the fullest extent permitted by law, Alex Necoechea III and Omega Realty & Lending, Inc. disclaim liability for any damages arising from your use of, or inability to use, this Site or any information on it.

10. Indemnification

To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Necoechea Mortgage Group, Alex Necoechea III, Omega Realty & Lending, Inc., and their respective owners, officers, employees, and agents from and against any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of or access to this Site; (b) your violation of these Terms; (c) your violation of any applicable law or the rights of a third party; or (d) any content, information, or material you submit, post, or transmit through this Site. We reserve the right, at our own expense, to assume the exclusive defense of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with that defense.

11. Governing Law

These Terms are governed by the laws of the State of California, without regard to its conflict-of-law principles. Any dispute arising from these Terms or your use of the Site will be subject to the exclusive jurisdiction of the state and federal courts located in Los Angeles County, California.

12. Changes to These Terms

We may update these Terms & Conditions from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of the Site after changes are posted constitutes acceptance of the updated Terms.

13. Contact Us

Questions about these Terms & Conditions can be directed to: