Terms of Use
Effective Date: October 4, 2026
Welcome to Stargazing Home Loans. These Terms of Use govern your access to and use of stargazinghomeloans.com and the information, resources, forms, and services made available through this website. By accessing or using this website, you agree to these Terms of Use. If you do not agree with these terms, please do not use this website.
Website Purpose
Stargazing Home Loans provides general information and resources related to residential mortgage financing, refinancing, and other mortgage-related products and services. Mortgage services are provided through NEXA Lending, Inc., NMLS #1660690.
Information provided on this website is for general informational purposes and is not a commitment to lend, an approval of credit, a guarantee of financing, or a guarantee of any particular interest rate, loan program, payment, or loan terms. Loan availability and terms are subject to borrower qualifications, underwriting requirements, property eligibility, applicable law, and lender or investor guidelines.
Eligibility and Use of Website
This website and the mortgage-related services described on it are intended for individuals who are 18 years of age or older. By using this website, you represent that you have the legal capacity to use the website and provide the information you submit through it.
You agree to use this website only for lawful purposes. You may not use the website in any manner that could damage, disable, interfere with, or impair its operation, security, or availability, or attempt to gain unauthorized access to any systems, accounts, or information associated with the website.
You agree that information submitted through website forms will be accurate and not intentionally false, misleading, fraudulent, or submitted on behalf of another person without appropriate authorization.
No Financial or Legal Advice
The information provided on this website is for general informational and educational purposes only and should not be considered financial, legal, tax, or investment advice.
Mortgage programs, interest rates, fees, eligibility requirements, and lending guidelines may change and may vary based on individual circumstances. Information presented on this website should not be relied upon as a substitute for personalized advice from qualified financial, legal, tax, or other professional advisors.
For information regarding your specific mortgage financing options, you should consult with a licensed mortgage professional and, where appropriate, other qualified professional advisors.
Accuracy of Information
We strive to provide accurate and up-to-date information on this website. However, mortgage programs, interest rates, fees, guidelines, eligibility requirements, and other information may change without notice.
We do not warrant or guarantee that all information presented on this website is complete, accurate, current, or applicable to every individual situation.
Any mortgage scenarios, examples, estimates, or calculations presented on this website are for illustrative purposes only and should not be considered a loan approval, commitment to lend, or guarantee of specific loan terms.
Website Forms and Communications
When you submit information through a form on this website, you authorize Stargazing Home Loans and its mortgage service providers to use the information you provide to respond to your inquiry and provide information regarding mortgage products and services.
Submitting a form through this website does not constitute a mortgage application, loan approval, commitment to lend, or guarantee of financing.
Please do not submit sensitive financial information, including Social Security numbers, bank account information, passwords, tax documents, or other confidential financial records through general website contact forms. When such information is required for a mortgage application, you may be directed to a secure application or document-submission system.
Third-Party Services and Links
This website may contain links to, integrate with, or direct you to third-party websites, platforms, applications, and service providers, including mortgage application systems, scheduling tools, customer relationship management platforms, and other services.
These third-party services operate independently and may have their own terms of use, privacy policies, and security practices. Stargazing Home Loans does not control and is not responsible for the availability, content, security, privacy practices, or operation of third-party websites or services.
Your use of third-party websites and services is subject to the terms and policies established by those third parties.
Intellectual Property
The content available on this website, including text, graphics, logos, images, designs, page layouts, and other materials, is owned by or licensed for use by Stargazing Home Loans or its applicable service providers and is protected by applicable intellectual property laws.
You may view, download, or print information from this website for your personal, non-commercial use. You may not reproduce, distribute, modify, republish, sell, or commercially exploit website content without appropriate authorization.
Any third-party names, logos, trademarks, or other intellectual property appearing on this website remain the property of their respective owners.
Disclaimer of Warranties
This website and the information, content, tools, and services made available through it are provided on an “as is” and “as available” basis.
To the fullest extent permitted by applicable law, Stargazing Home Loans makes no warranties or representations, express or implied, regarding the operation, availability, accuracy, reliability, or completeness of this website or its content.
We do not warrant that the website will always be available, uninterrupted, error-free, secure, or free from viruses or other harmful components.
Mortgage products, programs, rates, fees, terms, and eligibility requirements are subject to change and borrower qualification. Nothing on this website constitutes a guarantee of loan approval, financing, or specific loan terms.
Limitation of Liability
To the fullest extent permitted by applicable law, Stargazing Home Loans and its applicable mortgage service providers, affiliates, officers, employees, agents, and representatives will not be liable for any direct, indirect, incidental, consequential, special, or other damages arising from or related to your use of, or inability to use, this website or the information and services made available through it.
This includes, without limitation, damages resulting from reliance on information presented on the website, interruptions or errors in website operation, loss of data, unauthorized access, or the use of third-party websites or services linked to or integrated with this website.
Your use of this website and reliance on any information provided through it is at your own risk.
Indemnification
You agree to indemnify, defend, and hold harmless Stargazing Home Loans and its applicable mortgage service providers, affiliates, officers, employees, agents, and representatives from and against any claims, liabilities, damages, losses, costs, or expenses arising out of or related to your misuse of this website, your violation of these Terms of Use, or your violation of any applicable law or the rights of another person or entity.
This obligation applies to the fullest extent permitted by applicable law.
Governing Law
These Terms of Use and your use of this website will be governed by and interpreted in accordance with applicable federal law and the laws of the state applicable to the services provided, without regard to conflict-of-law principles.
Nothing in these Terms of Use is intended to limit any rights or protections available to consumers under applicable federal or state law.
Changes to These Terms
We may update or modify these Terms of Use from time to time to reflect changes in our website, services, business practices, legal requirements, or other circumstances.
When changes are made, the updated Terms of Use will be posted on this page and the “Effective Date” at the top of the page will be revised accordingly.
Your continued use of this website after updated Terms of Use are posted constitutes your acceptance of the revised terms.
Contact Us
If you have questions about these Terms of Use or your use of this website, please contact us:
Stargazing Home Loans
Powered by NEXA Lending, Inc.
Email: info@stargazinghomeloans.com