Disclaimers and Terms

Terms of Use and Disclaimers

Effective Date: August 11, 2026 Last Updated: August 11, 2026

Welcome to BDNationwideMortgage.com (the “Site”), operated by BD Nationwide Mortgage (“BD Nationwide,” “we,” “us,” or “our”). These Terms of Use and Disclaimers (“Terms”) govern your access to and use of the Site. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use the Site.

1. About BD Nationwide Mortgage

BD Nationwide Mortgage operates as an online mortgage information and referral platform. BD Nationwide is not a mortgage lender, mortgage broker, credit reporting agency, or debt relief company. We do not originate, underwrite, service, or make credit decisions on any mortgage loan. Our Site connects consumers with licensed mortgage professionals in our participating network who may be able to assist with residential home financing needs.

Business Address: BD Nationwide Mortgage 515 Encinitas Blvd., Suite 100 Encinitas, California 92024

2. Business Model and Compensation Disclosure

BD Nationwide provides home financing information and referral services at no direct cost to consumers. BD Nationwide receives compensation from participating lenders and mortgage professionals when consumers complete loan transactions or reach certain milestones with lenders introduced through our platform. This compensation structure may include:

• Marketing fees paid by lenders for consumer referrals
• Performance-based compensation tied to loan closings
• Advertising placements on the Site
• Lead purchase agreements with licensed mortgage professionals

This compensation does not influence the educational content published on our Site. Our editorial and content decisions are made independently of advertiser or affiliate relationships.

3. Regulation Z Advertising Compliance

Consistent with the Truth in Lending Act (TILA) and its implementing Regulation Z (12 CFR 1026.24), the following applies to all content on this Site:

3.1 Not an Advertisement for Credit

This Site is not an advertisement for credit as defined by 12 CFR 1026.24. Nothing on this Site contains an offer to make a specific home loan for any purpose with any specific terms. Rate examples, program details, and payment calculations throughout the Site are general references for educational purposes only, not quotes or commitments to lend.

3.2 Advertised Rate and Payment Disclosures

When specific mortgage rates, APRs, or payments are referenced on this Site:

• The actual mortgage rate, APR, and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by home loan lenders
• Rate examples typically assume a FICO score of 700+ with a maximum loan-to-value (LTV) ratio of 80% on a primary single-family home unless otherwise specified
• Payment amounts shown do not include taxes, insurance, HOA fees, or other charges that may apply — actual monthly payments will be higher
• Mortgage rates are subject to change daily without notice
• Not all consumers will qualify for terms with the monthly loan payments illustrated
• Not all purchase, refinance, and home equity loans are available in all states
• Specific home loan interest rates and terms offered by lenders in our network vary based on individual qualification and lender pricing

3.3 APR Disclosure

The Annual Percentage Rate (APR) reflects the total cost of credit as a yearly rate and typically differs from the note interest rate because APR includes certain finance charges, discount points, and origination fees. Consumers should compare APR across loan offers, not just note rates, when evaluating mortgage programs. APR disclosures are required by TILA (12 CFR 1026.18).

3.4 Rate Locking and Commitment

BD Nationwide does not offer rate locks, loan commitments, or binding rate quotes. Only participating licensed lenders can provide rate locks and loan commitments after appropriate loan application, verification, and underwriting processes.

4. Loan Availability and Qualification

4.1 No Guarantee of Approval

BD Nationwide does not guarantee that any consumer will be approved for a mortgage loan, offered any specific terms, or matched with any specific lender. All credit decisions, including loan approval and the conditional rates and terms offered, are the sole responsibility of participating licensed lenders. Loan approval depends on:

• Credit score and credit history
• Loan-to-value ratio
• Debt-to-income ratio
• Employment and income verification
• Property appraisal and eligibility
• Cash reserves
• Individual lender underwriting standards

4.2 Consumer Information Is Not a Credit Application

Information submitted through Site forms is used for referral purposes only and does not constitute an application for credit or a mortgage loan. Submission of Site forms does not:

• Pre-qualify you with any lender
• Constitute a loan application
• Generate a credit report inquiry by BD Nationwide
• Guarantee lender contact or loan offer

4.3 Consumer Matching

Information you submit may be shared with up to four (4) licensed mortgage professionals in our participating network. You may not be matched with any specific lender, and BD Nationwide does not guarantee that any participating lender will contact you or make a loan offer.

5. Editorial Standards and Content Policy

5.1 Editorial Approach

BD Nationwide’s editorial approach prioritizes accuracy, credentialing, and source transparency for financial content. Article authors and reviewers hold verifiable industry credentials, and content cites authoritative primary sources including:

• Consumer Financial Protection Bureau (CFPB)
• U.S. Department of Housing and Urban Development (HUD)
• Federal Reserve
• Bureau of Labor Statistics (BLS)
• NMLS Consumer Access
• Federal Housing Finance Agency (FHFA)

5.2 Editorial Team

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 published articles undergo review for factual accuracy, regulatory compliance, and clarity before publication.

5.3 Content Updates and Corrections

We update our content regularly to reflect current mortgage rates, program guidelines, and regulatory changes. Content covering rates, program guidelines, or regulatory information includes publication and update dates for reader transparency. Corrections to published content are made promptly when errors are identified. Consumers may report content concerns to editorial@bdnationwidemortgage.com.

5.4 Editorial Independence

Advertisers, sponsors, and participating lenders do not influence our editorial content, product coverage decisions, or reviews. When affiliate or referral relationships exist, they are disclosed within relevant articles or in this Terms document.

6. Not Professional Advice

6.1 Educational Information Only

The content on this Site is intended for general educational and informational purposes only. Site content:

• Is not personalized mortgage, legal, tax, financial, or investment advice
• Does not consider individual financial situations, goals, or risk tolerance
• May not be appropriate for all consumers or situations
• Should not be relied upon as the sole basis for financial decisions

6.2 Consult Licensed Professionals

Consumers 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.

6.3 Individual Situations Vary

Individual financial situations vary significantly. Loan program eligibility, qualification requirements, and pricing depend on personal circumstances including credit history, income, assets, employment, property type, and geographic location. Information on this Site may not apply to your specific situation.

7. Marketing Terms and Language Disclaimer

Terms such as “Low Mortgage Rates,” “Low Rate Refinancing,” “Low Rate Home Loans,” “Low Rate Home Equity Loans,” “Low Rate Second Mortgage Loans,” “Low Rate Mortgage Refinance,” “Low Rate Home Refinancing,” “Low Rate Mortgage Refinancing,” “Best Rates,” “Competitive Rates,” and similar phrases are subjective marketing terms indicating that qualified consumers may be eligible for competitive interest rates from licensed lenders. Similarly, terms such as “Bad Credit,” “Poor Credit,” “Less than Perfect Credit,” and “Sub-Prime” refer to loan programs available to qualified applicants with credit challenges. Minimum credit scores, minimum equity, income requirements, and other qualification standards apply. Not all consumers will qualify for advertised programs.

BD Nationwide is committed to accurate representation of mortgage products. In no way does BD Nationwide intend to mislead consumers regarding their eligibility for any specific interest rate or program. Credit scores, loan-to-value ratio, debt-to-income ratio, and other factors influence lender underwriting decisions.

8. Fixed Rate and Adjustable Rate Disclosures

8.1 Fixed Rate Loans

References to “fixed rate” mortgage products indicate that the interest rate remains constant for a specific portion of the loan term. Consumers should confirm the specific fixed-rate period with participating lenders — some products have fixed rates for the entire loan term while others have fixed rates only for an initial period followed by adjustable rates.

8.2 Adjustable Rate Mortgage (ARM) Disclosure

If considering an adjustable rate mortgage (ARM), consumers should understand:

• When the initial rate expires (typically 3, 5, 7, or 10 years)
• How and how often the rate can change (typically annually after initial period)
• The index used for rate adjustments (SOFR replaced LIBOR as standard ARM index in 2023)
• The margin added to the index
• Rate adjustment caps (periodic and lifetime)
• Potential payment shock at rate reset

Discuss ARM specifics with your licensed loan officer before committing.

9. Licensed Mortgage Professionals

All mortgage transactions facilitated through this Site 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.

10. Equal Housing Opportunity 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.

11. Consent to Receive Communications (TCPA Notice)

By submitting a loan inquiry form, clicking “Continue,” “Apply Now,” “Submit,” or any similar action button, or otherwise providing your contact information to BD Nationwide, you expressly consent to receive communications from BD Nationwide and up to four (4) participating lenders or mortgage professionals in our network, including through:

• Automated telephone dialing systems
• Pre-recorded or artificial voice messages
• Text messages (SMS/MMS)
• Email communications
• Postal mail

This consent applies even if your telephone number is currently listed on any federal, state, or corporate Do Not Call list. You understand that consent to receive these communications is not required as a condition of purchasing any goods or services.

Message and data rates may apply. Message frequency varies. You may opt out of text message communications at any time by replying “STOP” to any text message. For assistance, reply “HELP” or contact us as described in Section 22.

12. User Obligations and Prohibited Uses

12.1 Accurate Information

By using the Site, you agree to provide accurate, current, and complete information when submitting forms or communications. Submission of false, misleading, or fraudulent information may result in refusal of service and potential legal action.

12.2 Lawful Use

You agree to use the Site only for lawful purposes and in compliance with all applicable federal, state, and local laws. You agree NOT to:

• Impersonate another person or entity
• Submit information about a third party without authorization
• Attempt to access unauthorized areas of the Site
• Introduce viruses, malware, or harmful code
• Engage in automated data collection, scraping, or crawling
• Use the Site for commercial purposes without authorization
• Reproduce, duplicate, copy, sell, or exploit any portion of the Site content
• Engage in any activity that could damage, disable, or impair Site functionality
• Violate any applicable law or regulation

12.3 Age Requirement

You represent that you are at least 18 years old and legally capable of entering into binding contracts. Use of the Site by anyone under 18 is prohibited.

13. Intellectual Property Rights

13.1 Site Content Ownership

All content on the Site, including text, graphics, logos, images, video, audio, software, and data compilations, is the property of BD Nationwide Mortgage or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

13.2 Limited License to Use

BD Nationwide grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal, non-commercial purposes only. This license does not include the right to:

• Modify, distribute, or create derivative works from Site content
• Republish, transmit, or sell Site content
• Use Site content for any commercial purpose
• Remove copyright, trademark, or other proprietary notices
• Use automated systems to access the Site

13.3 Trademarks

“BD Nationwide,” “BDNationwideMortgage.com,” and associated logos are trademarks of BD Nationwide Mortgage. All other trademarks referenced on the Site are the property of their respective owners.

14. Third-Party Content and Links

The Site may contain links to third-party websites, resources, and services, including participating lenders, government agencies, industry publications, and social media platforms. BD Nationwide does not endorse, control, or take responsibility for third-party content. These Terms do not apply to third-party sites. We encourage you to review the terms and privacy policies of any third-party sites you visit.

15. Disclaimers of Warranties

15.1 “AS IS” Basis

THE SITE AND ALL CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. BD Nationwide disclaims all warranties, including but not limited to:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy, reliability, or completeness of content
• Uninterrupted or error-free operation
• Security or freedom from viruses

15.2 Content Accuracy

While BD Nationwide makes reasonable efforts to ensure Site content is accurate and current as of publication, we do not warrant that:

• Content is free from errors or omissions
• Content reflects current market conditions at all times
• Rates, program guidelines, or regulatory information are current
• The Site will be continuously available or error-free

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL BD NATIONWIDE MORTGAGE, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, OR CONTENT PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Damages arising from unauthorized access to your account or data
• Damages arising from use or inability to use the Site
• Damages arising from statements, conduct, or content of third parties (including participating lenders)
• Damages arising from unauthorized modifications to Site content

This limitation applies regardless of the legal theory (contract, tort, negligence, strict liability, or otherwise) and applies even if BD Nationwide has been advised of the possibility of such damages.

Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

17. Indemnification

You agree to indemnify, defend, and hold harmless BD Nationwide Mortgage, its officers, directors, employees, agents, affiliates, and content providers from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or in any way connected with:

• Your access to or use of the Site
• Your violation of these Terms
• Your violation of any third-party rights (including intellectual property)
• Your violation of applicable law
• Your submission of false, misleading, or unauthorized information

18. Fair Credit Reporting Act (FCRA) Notice

BD Nationwide is not a consumer reporting agency as defined by the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. Information submitted through the Site is used for referral purposes only and does not generate a credit report inquiry by BD Nationwide. Participating lenders may obtain credit reports as part of their loan approval process, subject to your authorization.

19. CAN-SPAM Compliance

BD Nationwide complies with the CAN-SPAM Act. All commercial email communications from BD Nationwide include:

• Accurate identification of the sender
• Truthful subject lines
• Clear identification as advertising when applicable
• Our valid physical postal address
• An operational unsubscribe mechanism

20. Dispute Resolution and Arbitration

20.1 Binding Arbitration

Any dispute regarding these Terms or your use of the Site shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) in San Diego, California, under the AAA’s Consumer Arbitration Rules. To initiate a claim:

1. First, provide written notice of the claim to BD Nationwide within thirty (30) days of learning of the potential claim
2. Following such notice, the claim must be submitted to the American Arbitration Association within thirty (30) days
3. Arbitration shall be resolved formally within a reasonable time period as determined by the AAA rules

By using the Site, you agree that this dispute resolution process is fair and reasonable, and you waive your right to a jury trial or to participate in a class action arbitration or class action lawsuit.

20.2 Small Claims Exception

Notwithstanding the arbitration provision above, either party may bring an individual action in small claims court for disputes within that court’s jurisdiction.

20.3 Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict of law principles.

21. Complaints and Consumer Rights

Consumers who believe they have experienced unfair treatment, discrimination, or other issues in connection with a mortgage transaction facilitated through this Site may file complaints with:

• Consumer Financial Protection Bureau — consumerfinance.gov/complaint
• U.S. Department of Housing and Urban Development (Fair Housing) — hud.gov/fairhousing
• California Department of Financial Protection and Innovation — dfpi.ca.gov
• Federal Trade Commission — ftc.gov/complaint
• Your state’s Attorney General office — for consumer protection concerns

Editorial concerns regarding published content may be directed to https://bdnationwidemortgage.com/contact/ .

22. Contact Information

For questions about these Terms of Use and Disclaimers, please contact:

BD Nationwide Mortgage 515 Encinitas Blvd., Suite 100 Encinitas, California 92024

General Inquiries: broker@bdnationwidemortgage.com Editorial https://bdnationwidemortgage.com/contact/

Privacy Concerns: : https://bdnationwidemortgage.com/contact/

23. Miscellaneous Provisions

23.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and BD Nationwide regarding your use of the Site and supersede all prior or contemporaneous communications and proposals.

23.2 Severability

If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall continue in full force and effect.

23.3 No Waiver

BD Nationwide’s failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.

23.4 Assignment

You may not assign or transfer these Terms without our prior written consent. BD Nationwide may assign these Terms without restriction.

23.5 Force Majeure

BD Nationwide is not liable for delays or failures resulting from causes beyond our reasonable control, including natural disasters, acts of government, war, terrorism, labor disputes, or telecommunications failures.

24. Changes to These Terms

BD Nationwide may update these Terms from time to time to reflect changes in our practices, legal requirements, or industry standards. The “Last Updated” date at the top of these Terms indicates when they were most recently revised. Material changes will be posted on this page. Your continued use of the Site after any changes indicates your acceptance of the updated Terms. We recommend reviewing these Terms periodically.

These Terms of Use and Disclaimers are effective as of August 11, 2026.

Copyright © 2001-2026 BD Nationwide Mortgage. All rights reserved.

BD Nationwide Mortgage, 515 Encinitas Blvd., Suite 100, Encinitas, California 92024