Legal
Mortgage disclosures
Federal and California mortgage lending disclosures for NJV Financials. Last updated: July 3, 2026.
Licensing & NMLSViewClose
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.
Not a Loan OfferViewClose
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.
TRID — Loan Estimate & Closing DisclosureViewClose
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.
Truth in Lending Act (TILA)ViewClose
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.
RESPA & Settlement ServicesViewClose
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.
RESPA — Affiliated Business ArrangementsViewClose
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).
Equal Credit Opportunity Act (ECOA)ViewClose
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.
Fair Housing & Equal LendingViewClose
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 LenderViewClose
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.
California MLO Advertising (Civ. Code § 2954.9)ViewClose
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.
California DFPIViewClose
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.
SAFE Act & NMLSViewClose
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.
Credit Reports & Privacy (FCRA / GLBA / CCPA)ViewClose
Mortgage applications require authorization to obtain consumer credit reports under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. Financial information you provide is handled in accordance with the Gramm-Leach-Bliley Act (GLBA), 15 U.S.C. § 6801 et seq., and our Privacy Policy. California residents have additional rights under the California Consumer Privacy Act (CCPA/CPRA). We do not sell personal information for monetary consideration.
HMDA ReportingViewClose
If applicable, loan data may be reported under the Home Mortgage Disclosure Act (HMDA), 12 U.S.C. § 2801 et seq., and Regulation C (12 C.F.R. Part 1003), which requires certain mortgage lenders to disclose loan application and origination data to promote fair lending and public accountability.
California High-Cost Loan ProtectionsViewClose
California law provides additional protections for high-cost and higher-priced mortgage loans, including restrictions on certain loan terms, prepayment penalties, and mandatory counseling in qualifying circumstances. Applicable state and federal high-cost mortgage rules will be disclosed if your loan meets those thresholds.
Rates, APR & Rate LocksViewClose
Interest rates, APRs, points, and fees shown in calculators or examples are estimates only and are subject to change without notice based on market conditions, loan program, credit profile, loan-to-value ratio, occupancy, and property type. A rate lock agreement, if offered, will be provided in writing with specific expiration terms.
Appraisal RightsViewClose
Federal law under Regulation B and appraisal independence requirements (Regulation X, 12 C.F.R. § 1024.35) protect your right to receive appraisal copies and ensure appraisal independence. Property valuation is subject to a satisfactory appraisal meeting investor and underwriting guidelines.
Loan Servicing TransferViewClose
If your loan is sold or transferred, you will receive notice as required by RESPA (12 U.S.C. § 2605) identifying the new servicer and effective date of transfer, along with payment instructions and a 60-day grace period for misdirected payments in most cases.
Wire Fraud AlertViewClose
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.
How to File a ComplaintViewClose
To file a complaint: Consumer Financial Protection Bureau (CFPB) — consumerfinance.gov/complaint or (855) 411-2372. California DFPI — dfpi.ca.gov or (866) 275-2677. California DRE — dre.ca.gov. HUD Fair Lending — hud.gov/fairhousing or (800) 669-9777. California Civil Rights Department — calcivilrights.ca.gov.
