Legal Disclosures

This page summarizes key legal disclosures required for California real estate brokerage websites and related federal compliance. It supplements our Terms of Service and Privacy Policy.

California DRE broker identification

Pursuant to California Business and Professions Code §§ 10140.6, 10159.2 and 10249.5, and regulations of the California Department of Real Estate (DRE), all real estate advertising on this website is offered by NJV Realty, California DRE #02446814. Responsible Broker: Jessica Chen Valmores, Responsible Broker, California DRE #02013597 · NMLS #2478325.

Jessica Chen Valmores, Responsible Broker, California DRE #02013597 · NMLS #2478325

Agency relationship (California Civil Code § 2079.16)

California law requires real estate licensees to provide prospective clients with a Disclosure Regarding Real Estate Agency Relationship (California Civil Code § 2079.16 et seq.) at the earliest practical time. Agency relationships are not created through use of this website alone. A signed written agreement is required before NJV Realty represents you as a client.

California Civil Code §§ 2079.13–2079.24 govern buyer representation agreements. Fiduciary duties to a buyer arise only after you review and sign a written buyer-broker agreement and receive the statutory Disclosure Regarding Real Estate Agency Relationship (Civil Code § 2079.16). Submitting this form or browsing listings does not establish a client relationship. If dual agency is ever proposed, California law requires separate written consent from all parties (Civil Code § 2079.21).

The federal Fair Housing Act (42 U.S.C. § 3601 et seq.) and California Fair Employment and Housing Act (FEHA), Government Code § 12900 et seq., prohibit discrimination and steering in housing based on race, color, religion, sex, disability, familial status, national origin, ancestry, source of income, sexual orientation, gender identity, marital status, genetic information, citizenship, immigration status, or other protected classes. Neighborhood, school, commute, or amenity preferences you share are used only to identify properties that meet your stated criteria — not to unlawfully limit where you may buy or rent.

MLS / IDX data

Listing information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by CRMLS or NJV Realty. © Multiple Listing Service. All rights reserved. Listing data may not reflect all real estate activity in the market. Properties may have sold, been withdrawn, or changed price without notice. Square footage, lot size, room counts, and other measurements are approximate and should be independently verified. The listing broker’s offer of compensation is made only to participants of the MLS where the listing is filed. NJV Realty (Advertising Broker, California DRE #02446814) displays listings under the CRMLS IDX program when enabled; listing agent and listing office are identified on each property display.

Automated valuations (AVM)

Automated home value estimates displayed on this website are for informational purposes only. They do not constitute an appraisal, formal opinion of value, or a Comparative Market Analysis (CMA) prepared by a licensed California real estate broker. Estimates are based on available data and algorithms that may not account for property condition, improvements, market changes, or other material factors. For a professional valuation, contact an agent at NJV Realty.

Mortgage lending

Jessica Chen Valmores, Mortgage Loan Originator, California DRE #02013597, NMLS #2478325. NJV Financials, California DRE #02013597. Mortgage loan origination is conducted by a California-licensed real estate broker holding a Mortgage Loan Originator (MLO) endorsement, in compliance with the federal Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act, 12 U.S.C. § 5101 et seq.), California Business and Professions Code §§ 10166.01–10166.75, and regulations of the California Department of Financial Protection and Innovation (DFPI). Verify licensure at NMLS Consumer Access: nmlsconsumeraccess.org.

Mortgage payment calculations and affordability tools are estimates only. They are not a loan offer, loan commitment, rate lock, or guarantee of credit approval. Actual loan terms, interest rates, payments, and closing costs depend on lender underwriting, creditworthiness, property type, and market conditions. Jessica Chen Valmores, Mortgage Loan Originator, California DRE #02013597, NMLS #2478325. Mortgage origination services are offered separately from real estate brokerage services under applicable California and federal lending laws.

Information on this page — including payment estimates, rate examples, and pre-qualification discussions — does not constitute a loan offer, loan commitment, rate lock, or guarantee of credit approval. A formal Loan Estimate will be provided after you submit a complete application, as required by the TILA-RESPA Integrated Disclosure rule (TRID), Regulation Z (12 C.F.R. Part 1026) and Regulation X (12 C.F.R. Part 1024). All loans are subject to credit approval, property appraisal, underwriting guidelines, and investor requirements.

Pursuant to the TILA-RESPA Integrated Disclosure rule (TRID), you will receive a Loan Estimate within three business days of a complete mortgage application and a Closing Disclosure at least three business days before consummation for most closed-end consumer credit transactions secured by real property. The Loan Estimate and Closing Disclosure will itemize loan terms, projected payments, closing costs, cash to close, and other material terms. You have the right to review these disclosures and ask questions before proceeding.

The Truth in Lending Act (TILA), 15 U.S.C. § 1601 et seq., and Regulation Z (12 C.F.R. Part 1026) require clear disclosure of credit terms including the Annual Percentage Rate (APR), finance charges, amount financed, and total of payments. Advertised or estimated rates on this website are not locked unless confirmed in writing. APR may differ from the note rate when prepaid finance charges apply.

You are not required to use NJV Financials or any affiliated settlement service provider for your mortgage or closing. You may shop around for the best services and rates. Any affiliated business arrangement, ownership interest, or compensation between NJV Realty and a settlement service provider will be disclosed to you in writing before you commit to services, as required by the Real Estate Settlement Procedures Act (RESPA), 12 U.S.C. § 2607, and Regulation X (12 C.F.R. Part 1024).

The Real Estate Settlement Procedures Act (RESPA), 12 U.S.C. § 2601 et seq., and Regulation X (12 C.F.R. Part 1024) prohibit kickbacks and unearned fees in connection with federally related mortgage loans. Section 8 prohibits giving or accepting anything of value for referrals of settlement service business. Affiliated business arrangements (AfBA) must be disclosed on a separate AfBA disclosure form before you are referred. You are free to choose your own title, escrow, insurance, and other settlement providers.

The Equal Credit Opportunity Act (ECOA), 15 U.S.C. § 1691 et seq., and Regulation B (12 C.F.R. Part 1002) prohibit discrimination in any aspect of a credit transaction on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has capacity to contract), receipt of public assistance, or because the applicant has exercised rights under the Consumer Credit Protection Act. If you believe you have been discriminated against, you may file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov/complaint.

NJV Realty complies with the federal Fair Housing Act (42 U.S.C. § 3601 et seq.) and the California Fair Employment and Housing Act (FEHA), Government Code § 12900 et seq., in all lending and real estate activities. We do not discriminate in mortgage lending based on race, color, religion, sex, disability, familial status, national origin, ancestry, source of income, sexual orientation, gender identity, marital status, genetic information, citizenship, immigration status, or any other protected class. We are committed to Equal Housing Opportunity.

Equal Housing Lender — We do business in accordance with the Federal Fair Housing Act and California fair lending laws. It is illegal to discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, source of income, or other protected characteristics.

Pursuant to California Civil Code § 2954.9 and Business and Professions Code § 10232, mortgage loan originator advertising includes: Jessica Chen Valmores, Mortgage Loan Originator, California DRE #02013597, NMLS #2478325. California Department of Real Estate (DRE) license information is available at dre.ca.gov. DFPI oversees certain mortgage lending activities under the California Residential Mortgage Lending Act (CRMLA), Financial Code § 50000 et seq., and the California Finance Lenders Law (CFLL), Financial Code § 22000 et seq., as applicable.

The California Department of Financial Protection and Innovation (DFPI) licenses and regulates certain mortgage lenders and servicers. Consumers may verify licenses and file complaints with DFPI at dfpi.ca.gov or (866) 275-2677. NJV Realty mortgage services are offered through NJV Financials in compliance with applicable California lending, disclosure, and consumer protection requirements administered by DFPI and the California DRE.

Under the SAFE Act, mortgage loan originators must be registered or licensed through the Nationwide Multistate Licensing System (NMLS). Jessica Chen Valmores NMLS #2478325. You may verify registration at nmlsconsumeraccess.org.

View full mortgage disclosures on our NJV Financials page.

Wire fraud alert

WARNING: Wire fraud is common in real estate transactions. NJV Realty will never email you wiring instructions. Always verify wire transfer details by calling your escrow officer or broker at a known phone number before sending funds.

Fair housing

NJV Realty fully supports the Federal Fair Housing Act and California Fair Employment and Housing Act (FEHA). We do not discriminate based on race, color, religion, sex, disability, familial status, national origin, ancestry, source of income, sexual orientation, gender identity, marital status, genetic information, citizenship, immigration status, or any other protected class.

Anti-discrimination in marketing

We do not engage in discriminatory steering, redlining, or disparate treatment in the marketing or sale of real property. All listings are marketed equally to qualified buyers without regard to protected characteristics.

Notary services

Mobile notary services offered through Nick's Mobile Notary (nicksnotary.ai) are separate from real estate brokerage services. Notary acts do not constitute legal advice. Real estate and notary services may involve separate fees and disclosures.

File a complaint (California DRE)

To file a complaint against a California real estate licensee, visit the California Department of Real Estate at dre.ca.gov/Consumers/FileComplaint.html or call (877) 373-4542.

DRE File a Complaint

Affiliated business (RESPA)

NJV Realty has a business relationship with NJV Financials. NJV Realty and NJV Financials are affiliated, and Jessica Chen Valmores (NMLS #2478325) may refer you to the affiliated mortgage loan originator. You are not required to use any particular real estate professional, mortgage company, or settlement service provider. You may shop around for the best services and rates. Before you are referred, you will receive a separate Affiliated Business Arrangement Disclosure form as required by RESPA.

Digitally altered listing media (Cal. B&P § 10140.8)

Pursuant to California Business and Professions Code § 10140.8, some listing photographs or videos may be digitally enhanced or include aerial perspectives produced by airmets. Enhanced media is for marketing purposes and may not reflect current property condition. Request unaltered images or an in-person showing from your NJV Realty agent.

AI assistant

This is an automated AI assistant — not a licensed real estate agent, broker, or loan originator. Responses are for general information only and may be inaccurate. Do not rely on this chat for legal, tax, investment, or loan decisions. For advice about a specific property or transaction, contact a licensed NJV Realty agent at (909) 839-3971. Conversations may be logged for quality and compliance review.

Pursuant to the California Department of Real Estate advisory on artificial intelligence (March 2026), NJV Realty maintains broker supervision over website and chatbot tools. AI-generated responses are not a substitute for licensed advice. The responsible broker reviews chatbot configuration, monitors conversations involving transaction guidance, and requires human follow-up for material client decisions.

Questions

Contact NJV Realty at [email protected] or (909) 839-3971.