Terms & Conditions

1. Agreement to These Terms

These Terms & Conditions ("Terms") govern your use of this website and the resources available on it, operated by Wholesale Mortgages LLC. By accessing or using this website, you agree to these Terms. If you do not agree, please do not use the site.

2. No Loan Commitment

The content on this website, including guides, calculators, examples, and consultations, is provided for general informational and educational purposes only. Nothing on this site is an offer to lend, a loan approval, a rate quote, or a commitment to extend credit. All loans are subject to credit approval, underwriting review, and property appraisal. Rates, programs, and terms may change without notice. Savings examples are illustrative only; individual results vary based on your situation and market conditions.

3. Not Financial, Legal, or Tax Advice

Information on this site does not constitute financial, legal, or tax advice. You should consult qualified professionals about your specific circumstances before making financial decisions.

4. Licensing

Wholesale Mortgages LLC (NMLS #2681470) is a licensed mortgage broker. Javier Satizabal is a licensed mortgage loan originator (NMLS #2098971). We are currently licensed in the state of Florida, and services described on this site are available only where we are licensed. You can verify our licenses at NMLS Consumer Access (www.nmlsconsumeraccess.org). Equal Housing Opportunity.

5. Use of the Website

• You agree to use this website only for lawful purposes and in a way that does not infringe the rights of others.
• You agree not to attempt to interfere with the operation or security of the website.
• You are responsible for the accuracy of the information you submit through our forms.

6. Communications Consent

By submitting a form on this website, you agree that Wholesale Mortgages LLC may contact you by phone, email, or text message about your inquiry, in accordance with our Privacy Policy. Submitting an inquiry does not affect your credit score. Message and data rates may apply to text messages; reply STOP to opt out at any time.

7. Intellectual Property

All content on this website, including text, guides, graphics, logos, and design, is the property of Wholesale Mortgages LLC or its licensors and is protected by applicable intellectual property laws. You may download free resources for your personal, non-commercial use only. You may not reproduce, distribute, or create derivative works without our written permission.

8. Third-Party Services and Links

This website uses third-party tools (such as scheduling, forms, and analytics) and may link to external websites. We are not responsible for the content, availability, or practices of third-party services or sites.

9. Disclaimer of Warranties

This website and its content are provided "as is" and "as available," without warranties of any kind, express or implied. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components.

10. Limitation of Liability

To the fullest extent permitted by law, Wholesale Mortgages LLC and its members, officers, and employees will not be liable for any indirect, incidental, consequential, or punitive damages arising out of your use of this website or reliance on its content.

11. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any disputes arising from these Terms or your use of this website shall be brought in the state or federal courts located in Florida.

12. Changes to These Terms

We may update these Terms from time to time. The "Last updated" date at the top reflects the most recent version. Continued use of the website after changes constitutes acceptance of the updated Terms.

13. Contact

Questions about these Terms can be directed to: