Welcome to the BD Nationwide website, your best source to find licensed lending experts offering low-rate cash refinancing, 2nd mortgages and purchase money loans online.

Mission Statement: At BD Nationwide Mortgage, our mission is to simplify complex home financing and refinancing situations so consumers can make informed choices that align with their lives and financial goals. BD Nationwide is not a bank or mortgage lender and does not sell mortgage products directly. Instead, we take an education-first approach, explaining how home loans work, what mortgage programs are available, and the advantages and trade-offs of each option. All content on our website is written and reviewed by seasoned mortgage and personal finance professionals, and we present information in a fair, balanced, and easy-to-follow format that helps homeowners nationwide shop with clarity and confidence. At BD Nationwide, we combine a positive approach with market knowledge and mortgage expertise in the hope that homeowners will maximize their “home equity” and benefit from the monetary rewards realized with smart house financing.

Current Focus: BD Nationwide is not a lender but an our website will connect you with respected loan originators offering a multitude of residential home loans that maintain a competitive edge to meet the needs of homeowners nationwide. Our commitment provides people with “out of the box” loan products that help maximize their savings with all types of mortgage loans.

Today we focus on educating consumers and assisting them to find the best mortgage brokers and lenders for their needs. All articles and posts are reviewed and updated by mortgage broker, John Tappan, NMLS #394171 who has 25 years experience and currently originates in San Diego, California.

Background: For many years, we were a respected mortgage banker and California lender from San Diego who specialized in cash out refinance, FHA and home equity loans. In the lending arena, we were considered an authority for home equity lending, FHA refinancing and debt consolidation.

In 2007 we merged with CFB Services to provide better government loans to more borrowers across the country. Our lenders and loan officers have helped countless homeowners realize their dreams with cost effective home financing for purchase, home improvements and debt consolidation. Since 2009, we have been connecting consumers with lending experts across this great nation. BD Nationwide Mortgage once originated conventional, FHA, VA and sub-prime loans in 48 states as a direct mortgage lender. Today we focus on connecting you with leading banks, lenders, and brokers in all 50 states. Our headquarters is still located in beautiful San Diego, California.

The BD Nationwide Mortgage Company was a California corporation that brought together over 50 years of loan experience and a fresh vision of the mortgage business. BD Nationwide was affiliated with national lenders and a federally chartered bank located in Maryland licensed to offer home loans in all 50 states, but today we are an advertiser that brings borrowers and licensed loan officers together.

The testimonials of homeowners across the country are symbols of the credibility and confidence that keep people coming back to BD Nationwide for their home financing needs. Take a second and relax. We invite you to get a free loan quote with no cost and no obligation.

About BD Nationwide Disclosures and Editorial Standards

Business Model Transparency

BD Nationwide Mortgage operates as an online mortgage information and referral platform. BD Nationwide is not a bank, mortgage lender, mortgage broker, credit reporting agency, or debt relief company. We do not originate, service, underwrite, or make credit decisions on any mortgage loan. Our website connects consumers with licensed mortgage professionals who may be able to assist with their home financing needs. BD Nationwide may receive compensation from participating lenders when consumers complete loan transactions with lenders introduced through our platform. This compensation does not influence the educational content published on this website.

Editorial Policy and Content Standards

All educational content published on BDNationwideMortgage.com is written and reviewed by mortgage industry professionals with active licensing credentials and years of experience in residential mortgage lending. Our editorial team is led by John Tappan (NMLS #394171, DRE #01022216), a licensed real estate broker and mortgage professional with over 25 years of experience in San Diego, California. All articles undergo review for factual accuracy, regulatory compliance, and clarity before publication. We update our content regularly to reflect current mortgage rates, program guidelines, and regulatory changes. Corrections to published content are made promptly when errors are identified.

Our editorial approach follows our company principles for financial content. Article authors and reviewers hold verifiable industry credentials, cite authoritative primary sources (Consumer Financial Protection Bureau, HUD, Federal Reserve, Bureau of Labor Statistics, NMLS Consumer Access), and disclose material limitations of the guidance provided. Content covering rates, program guidelines, or regulatory information includes publication and update dates for reader transparency.

Editorial Independence

BD Nationwide Mortgage maintains editorial independence from the participating lenders and mortgage professionals in our network. Advertisers, sponsors, and affiliated lenders do not influence our editorial content, product coverage decisions, or reviews. When affiliate or referral relationships exist, they are disclosed within relevant articles.

Rate and Program Availability

Interest rates, program availability, and qualification requirements referenced on this website are for informational purposes only and do not constitute a loan commitment or offer of credit. Rates and programs vary by lender and are subject to change without notice. Actual rates offered to individual borrowers depend on credit score, loan-to-value ratio, debt-to-income ratio, occupancy status, property type, loan amount, and lender-specific pricing. Not all loan programs are available in all states. All loans are subject to credit approval, underwriting, appraisal, and property eligibility.

Regulation Z Advertising Compliance

Consistent with Regulation Z (12 CFR 1026.24), this website is not an advertisement for credit and does not contain an offer to make a specific home loan for any purpose with any specific terms. Rate examples and program details throughout the website are general references for educational purposes, not quotes or commitments to lend. Actual loan terms available to any specific borrower depend on individual qualification and current lender pricing.

Please be aware that this is not an advertisement for credit as defined by paragraph 226.24 of regulation Z. Nothing on this site contains an offer to make a specific home loan for any purpose with any specific terms. This is a website and no loans can be guaranteed as loans and rates are subject to change.

Licensed Mortgage Professionals

All mortgage transactions facilitated through this website are conducted by state-licensed mortgage professionals. Consumers may verify the licensing status of any mortgage loan originator through the Nationwide Multistate Licensing System (NMLS) Consumer Access at nmlsconsumeraccess.org. Individual state mortgage licensing information is available through each state’s regulatory agency.

Equal Housing and Non-Discrimination

BD Nationwide Mortgage and our participating network lenders are committed to equal housing opportunity and comply with the Equal Credit Opportunity Act (ECOA), the Fair Housing Act, and applicable state anti-discrimination laws. Credit decisions are based on borrower creditworthiness, not on race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter a binding contract), receipt of income from public assistance programs, or the good faith exercise of rights under the Consumer Credit Protection Act.

State Licensing and Availability

BD Nationwide Mortgage’s information and referral services are made available in states where our participating lender network holds appropriate licensing. This website is not a solicitation for lending in states where our network partners lack authorization. Certain restrictions and additional disclosures may apply in specific jurisdictions including New York, California, and Texas.

Not a Substitute for Professional Advice

Content on BDNationwideMortgage.com is for general educational purposes and does not constitute mortgage, legal, tax, or financial advice. Individual financial situations vary significantly, and readers should consult licensed mortgage professionals, tax advisors, and legal counsel before making financial decisions. Tax deductibility of mortgage interest is subject to Internal Revenue Service rules and limitations, including changes under the Tax Cuts and Jobs Act of 2017.

Third-Party Content and External Links

This website references and links to external resources including the Consumer Financial Protection Bureau (consumerfinance.gov), U.S. Department of Housing and Urban Development (hud.gov), Federal Reserve (federalreserve.gov), Bureau of Labor Statistics (bls.gov), Bankrate, Zillow, Redfin, and other third-party publications. BD Nationwide does not endorse or control the accuracy or availability of third-party content. Consumers should verify current rates and program details directly with licensed lenders before making financial decisions.

Privacy Policy

BD Nationwide Mortgage collects and processes personal information consistent with our Privacy Policy. Information submitted through loan quote forms may be shared with participating licensed mortgage professionals to facilitate consumer inquiries. Consumers may review our full Privacy Policy for details on data collection, use, and consumer rights.

Complaints and Consumer Rights

Consumers who believe they have experienced discrimination or unfair treatment in connection with a mortgage transaction facilitated through this website may file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or with the U.S. Department of Housing and Urban Development (HUD) at hud.gov/fairhousing. Editorial concerns regarding published content may be directed to Bdnationwidemortgage.com.

About BD Nationwide Mortgage