1. NMLS Information (Christine + Edge Home Finance)

Mortgage Licensing & Compliance

Christine [Last Name] is a licensed Mortgage Loan Originator approved to originate loans under applicable state and federal regulations.

Christine’s Licensing Details

• Mortgage Loan Originator Name: Christine [Last Name]
• NMLS Identification Number: [Insert Christine’s NMLS Number]
• Licensed to provide home loan guidance, pre-approvals, and loan origination services in accordance with federal mortgage lending laws.

Edge Home Finance Corporation

Edge Home Finance Corporation

• Corporate NMLS ID: 891464
• Licensed in 49 states
• Equal Housing Lender
• All home financing products meet federal requirements under RESPA, TILA, ECOA, FCRA, HMDA, SAFE Act, and applicable state regulations.

Verification of Licensing

You may verify the mortgage licenses of any loan originator or company by visiting the official NMLS Consumer Access website.

Loan Program Disclosures

• All loan programs are subject to underwriting approval.
• Rates, terms, and conditions may vary depending on creditworthiness, eligibility, loan type, and market conditions.
• Loan estimates provided are not commitments to lend.

2. Equal Housing Opportunity Statement

Commitment to Fair Lending

We strictly comply with all federal, state, and local fair housing laws, including:

• Fair Housing Act (FHA)
• Equal Credit Opportunity Act (ECOA)
• Americans with Disabilities Act (ADA)
• Civil Rights Act
• HUD nondiscrimination requirements

We Do Not Discriminate Based On:

• Race or color
• National origin
• Religion
• Sex, gender identity, or sexual orientation
• Familial status
• Disability or medical condition
• Age or marital status
• Military status
• Income source
• Any legally protected category

Lending Approach

We evaluate loan applications based solely on credit, income, assets, property condition, and regulatory guidelines.

3. ADA Accessibility Statement

Our Accessibility Commitment

Orders to Keys and Edge Home Finance aim to ensure that our website and services are accessible to all users, including people with disabilities.

Website Accessibility Features

• Clear navigation structure
• Screen-reader compatibility
• Keyboard-only usability
• High-contrast and readable typography
• Accessible form labels and alt text

If You Need Assistance

If you experience difficulty accessing any part of this site, please reach out to us. We will:

• Provide requested information in accessible formats
• Assist with completing forms
• Offer alternative contact or documentation methods

Ongoing Improvements

We regularly review our website for accessibility barriers and work to meet or exceed WCAG standards.

4. Privacy Policy

4.1 Information We Collect

We may collect personal information including name, phone number, email, address, income details, employment information, credit history, and mortgage-related documentation submitted voluntarily by users.

4.2 How We Collect Information

• Submitting a form
• Requesting a pre-approval
• Uploading documents
• Contacting us
• Using website tools such as calculators or chat features

4.3 How Your Information Is Used

• Providing mortgage guidance
• Generating pre-approvals
• Submitting loan applications
• Verifying identity and eligibility
• Processing documentation
• Communicating updates and requirements

4.4 Information Sharing

We do not sell or rent your data. Information may be shared only with:

• Mortgage lenders
• Underwriters
• Credit bureaus
• Appraisers
• Title and escrow companies
• Processors or internal team members

4.5 Cookies & Tracking Technologies

We use cookies to improve website performance, user experience, security, and analytics. You may disable cookies in your browser settings.

4.6 Data Security

We use secure encrypted systems, firewalls, password protection, and verified third-party platforms to protect your personal data.

4.7 Your Rights

• Request access to your data
• Request correction of inaccurate data
• Request deletion (where legally allowed)
• Opt-out of communication at any time

4.8 Third-Party Links

External links may direct you to websites not controlled by us. We are not responsible for their privacy or practices.

4.9 Children’s Privacy

This site is not intended for children under 18. We do not knowingly collect data from minors.

4.10 Policy Updates

This privacy policy may be updated regularly. Continued use of the website constitutes agreement to the current policy.

5. Terms of Use

5.1 Agreement to Terms

By accessing this site, you agree to the Terms of Use and all applicable laws.

5.2 Use for Personal Purposes

The website may only be used for personal, non-commercial purposes.

5.3 No Guarantee of Approval

Information on this site does not guarantee loan approval, pre-approval, rate lock, or eligibility.

5.4 Accuracy of Information

We strive for accuracy, but we do not guarantee that all content, rates, calculators, or tools are error-free or up to date.

5.5 Intellectual Property

All branding, graphics, text, videos, and website content are the property of Orders to Keys or Edge Home Finance.

5.6 Prohibited Activities

• Misuse or hack the website
• Submit false information
• Copy or distribute website content
• Use the website for unlawful purposes

5.7 Third-Party Tools

We use third-party systems like credit pulling services, document portals, and communication platforms. Users accept their terms by using the services.

5.8 Limitation of Liability

Orders to Keys and Edge Home Finance are not responsible for website downtime, data loss caused by third-party platforms, errors in website content, or unauthorized access beyond our control.

5.9 Indemnification

By using this site, you agree to indemnify and hold harmless Orders to Keys, Edge Home Finance, and its representatives from misuse of the website.

5.10 Governing Law

These Terms are governed by applicable federal laws and the laws of the state in which mortgage services are provided.