Terms of Service

These Terms of Service ("Terms") govern your use of henryjonesloans.com and any services provided by Henry Jones, operating as a Loan Officer with Nexa Mortgage ("we," "us," or "our"). By accessing this website or using our services, you agree to be bound by these Terms.

We provide mortgage origination and loan officer services through Nexa Mortgage in jurisdictions where we are licensed. Information on this website is for general informational purposes only and does not constitute a commitment to lend, an offer of credit, an interest rate lock, or a guarantee of any specific loan terms. All loan applications are subject to credit approval, underwriting review, and applicable program requirements.

Our SMS messaging program is used to communicate with prospective and active borrowers regarding mortgage rate updates, loan application status, document requests, appointment reminders, transaction milestones, and follow-up communications.

By opting in to receive SMS messages, you agree to receive recurring text messages from Henry Jones with Nexa Mortgage at the phone number you provide. Message frequency varies based on your activity and stage in the loan process.

You can opt out of SMS messages at any time by replying STOP to any text message you receive from us. After replying STOP, you will receive one final confirmation message and will not receive further SMS messages from us. Reply HELP at any time for assistance, or contact us directly at (708) 540-2969.

For questions, support, or assistance with our SMS program, our services, or this website, contact:

Henry Jones | Loan Officer
Nexa Mortgage
Phone: (708) 540-2969
Website: henryjonesloans.com

Standard message and data rates may apply to all SMS messages sent and received, based on your mobile carrier plan. We are not responsible for any charges incurred from your wireless carrier.

Mobile carriers are not liable for delayed or undelivered messages. Message delivery depends on the recipient's mobile carrier and is not guaranteed. We are not responsible for any failures, delays, or errors in message transmission or delivery caused by carrier networks, technical failures, recipient device issues, or any cause beyond our reasonable control. Standard message and data rates may apply based on your mobile carrier plan.

You must be at least 18 years of age to opt in to receive SMS messages from us or to use our messaging services. By providing your phone number and consenting to receive SMS messages, you represent and warrant that you are 18 years of age or older. We do not knowingly collect information from or send messages to individuals under the age of 18. If we learn that we have collected information from a person under 18, we will delete that information promptly.

Your use of our website and services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. View our Privacy Policy.

All loan products are subject to credit approval, underwriting guidelines, and applicable program requirements. Rates, terms, fees, and program availability are subject to change without notice and are not guaranteed until locked in writing. Pre-qualification and pre-approval are not commitments to lend. Nothing on this website constitutes legal, tax, accounting, or financial advice. You should consult with appropriate licensed professionals regarding your individual circumstances.

To the maximum extent permitted by law, Henry Jones and Nexa Mortgage are not liable for any indirect, incidental, consequential, or punitive damages arising from your use of this website or our services.

We reserve the right to update these Terms at any time. Changes will be posted on our website with an updated effective date. Your continued use of our services after any changes constitutes your acceptance of the updated Terms.

Questions about these Terms can be directed to:

Henry Jones | Loan Officer
Nexa Mortgage
Phone: (708) 540-2969
NMLS #2514797