Terms of Service
1. Who We Are
Hector Hiraldo - Mortgage With Hecctor is a Mortgage Broker dedicated to assisting clients in finding and securing residential mortgage loans. By using our website and services, you agree to comply with and be bound by the following terms and conditions.
2. Services Provided
We provide mortgage brokerage services, connecting prospective borrowers with participating lenders. We do not issue loans, make credit decisions, or guarantee that you will be approved for a loan by any lender. All loan approvals are subject to the individual lender's underwriting guidelines and property approval.
3. Not Financial or Legal Advice
The content provided on this website and during our consultations is for informational purposes only. It does not constitute financial, investment, or legal advice. We strongly recommend consulting with qualified legal or financial professionals for advice regarding your specific situation before making any financial decisions.
4. Accuracy of Information
While we make every effort to ensure the information on this website is accurate and current, mortgage rates, programs, and guidelines change frequently. We make no representations or warranties regarding the completeness, accuracy, or reliability of any information found on this site.
5. SMS / Text Message Authorization
By providing your phone number, you authorize Hector Hiraldo (dba Mortgage With Hector, NMLS #1492718) to send you SMS text messages for operational purposes including: appointment scheduling and confirmations, loan application status updates, document requests, and referral notifications. Message frequency varies based on your loan activity. Message and data rates may apply. Reply STOP at any time to unsubscribe. Carriers are not liable for delayed and undelivered messages. You must be 18 years of age or older to use this SMS service. Reply HELP for assistance. We comply with TCPA, CTIA guidelines, and A2P 10DLC carrier requirements. SMS is delivered via Twilio. Your phone number is not shared with third parties for marketing.
6. Phone Call Recording
For quality assurance, compliance, and training purposes, phone calls between you and Hector Hiraldo - Mortgage With Hector may be recorded or monitored. By communicating with us via phone, you consent to such recording.
7. Intellectual Property
All content, logos, graphics, and materials displayed on this website are the intellectual property of Hector Hiraldo - Mortgage With Hector or its licensors. You may not reproduce, distribute, or otherwise use any materials from this site without our express written permission.
8. Third-Party Links
Our website may contain links to third-party websites for your convenience. We do not endorse, control, or take responsibility for the content, privacy policies, or practices of any third-party sites. Accessing these links is at your own risk.
9. Limitation of Liability
To the fullest extent permitted by law, Mortgage With Hector shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to, use of, or inability to use our services or website, even if we have been advised of the possibility of such damages.
10. Indemnification
You agree to indemnify, defend, and hold harmless Mortgage With Hector, its affiliates, agents, and employees from any claims, liabilities, damages, and expenses (including reasonable attorneys' fees) arising out of your use of this website or your violation of these Terms of Service.
11. Governing Law
These terms and conditions are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. Any legal action or proceeding arising out of these terms shall be brought exclusively in the state or federal courts located in Florida.
12. Regulatory Disclosures
Hector Hiraldo - Mortgage With Hector operates under NMLS #1492718 and is affiliated with Nexa Lending, LLC NMLS #1660690. We conduct business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. All loan programs, rates, and terms are subject to change without notice and are subject to borrower credit approval and property valuation.
13. Changes to These Terms
We reserve the right to modify or replace these terms at our sole discretion at any time. Any changes will be effective immediately upon posting to this website. Your continued use of the website following the posting of any changes constitutes acceptance of those changes.
14. Contact Us
If you have any questions, concerns, or require further clarification regarding these Terms of Service, please contact us at [email protected] or call (407) 972-1460.
Equal Housing Opportunity
Mortgage With Hector NMLS #1492718
(407) 972-1460 | [email protected]
© 2026 Mortgage With Hector. All Rights Reserved. Not a commitment to lend.