Terms of Use

Last Updated: September 18, 2026

Welcome to warlockofmortgages.com. These Terms of Use govern your access to and use of this website. By using this website, you agree to these Terms of Use. If you do not agree with these terms, please discontinue use of the website.

About This Website
This website is operated by Warren Lockie, Mortgage Loan Originator, NMLS #2107093, in connection with mortgage services offered through NEXA Mortgage, LLC, NMLS #1660690.

The information provided on this website is intended to provide general information about mortgage financing, homeownership, refinancing, real estate investing, home equity, and related topics.

Not an Offer or Commitment to Lend
Information provided on this website does not constitute an offer, commitment, or guarantee to lend. Submission of an inquiry, scheduling request, contact form, mortgage application, or other information does not guarantee approval for financing.

All mortgage products, programs, rates, terms, guidelines, and availability are subject to change without notice and may be subject to borrower qualification, credit approval, income and asset verification, property approval, underwriting requirements, and other applicable conditions.

Not all applicants will qualify for all products or programs.

Educational Information
Content provided on this website is for general informational and educational purposes and should not be considered legal, tax, accounting, investment, or financial-planning advice.

Mortgage situations vary based on individual circumstances. You should consult an appropriate qualified professional regarding legal, tax, accounting, investment, or other professional matters.

Mortgage Calculators and Estimates
Any mortgage calculators, payment examples, affordability tools, debt-to-income calculations, DSCR calculations, refinance comparisons, or other financial tools provided on this website are intended for informational and illustrative purposes only.

Results are estimates based on the information entered and assumptions used by the applicable calculator. Actual mortgage payments, interest rates, closing costs, taxes, insurance, mortgage insurance, homeowners association dues, loan terms, qualification requirements, and other costs may differ.

Calculator results do not constitute a loan estimate, approval, prequalification, preapproval, commitment to lend, or guarantee of financing.

Mortgage Applications
Links on this website may direct you to secure mortgage application systems or other platforms operated or provided by NEXA Mortgage, LLC or third-party service providers.

Information submitted through those systems is subject to the terms, privacy practices, disclosures, and requirements applicable to those systems.

Third-Party Websites and Services
This website may contain links to or integrations with third-party websites and services, including mortgage application systems, scheduling platforms, social media services, calculators, videos, and other resources.

These links are provided for convenience and informational purposes. The presence of a link does not necessarily constitute an endorsement of the third-party website, its content, products, or services.

We are not responsible for the availability, accuracy, content, security, or privacy practices of third-party websites. You should review the applicable terms and privacy policies when visiting another website or using a third-party service.

Accuracy of Information
Reasonable efforts may be made to provide useful and current information; however, mortgage programs, guidelines, rates, laws, regulations, market conditions, and other information can change.

No representation or warranty is made that all information on this website will always be complete, current, or error-free.

No Guarantee of Results
Examples, scenarios, educational materials, testimonials, or discussions appearing on this website should not be interpreted as a guarantee that any borrower will receive the same or similar financing terms, approval, savings, results, or outcome.

Each mortgage transaction is evaluated based on the facts and circumstances applicable to that transaction.

Intellectual Property
Unless otherwise indicated, original website content, branding, graphics, text, and other materials appearing on this website are protected by applicable intellectual-property laws and may not be reproduced, distributed, modified, republished, or commercially used without appropriate permission.

Third-party names, trademarks, logos, and materials remain the property of their respective owners.

Acceptable Use
You agree not to use this website in a manner that violates applicable law, interferes with the operation or security of the website, attempts to gain unauthorized access to systems or information, transmits malicious code, or uses website content for unlawful or fraudulent purposes.

Limitation of Liability
To the extent permitted by applicable law, Warren Lockie, The Warlock of Mortgages, NEXA Mortgage, LLC, and their respective affiliates, officers, employees, agents, service providers, and representatives will not be liable for losses or damages arising solely from reliance on general information presented on this website or from the use or inability to use this website, except where liability cannot lawfully be limited or excluded.

Privacy
Your use of this website is also subject to the website's Privacy Policy. Additional privacy notices and disclosures may apply when you inquire about or apply for mortgage financing.

Accessibility
We are committed to providing an accessible website experience. Information regarding website accessibility and how to report an accessibility issue is available in our Accessibility Statement.

Changes to These Terms
These Terms of Use may be revised periodically to reflect changes to the website, services, technology, business practices, or applicable requirements. The “Last Updated” date at the top of this page indicates when these Terms were most recently revised.

Contact Information
Questions regarding these Terms of Use may be directed to:
Warren Lockie
Mortgage Loan Originator
NMLS #2107093
NEXA Mortgage, LLC | NMLS #1660690
5559 S Sossaman Rd, Bldg #1, Ste #101
Mesa, AZ 85212
(754) 252-1821
wlockie@nexalending.com