Terms & Conditions

Terms and Conditions

Last updated:12/16/2025

Welcome to mortgagewithjulia.com (“Website”). These Terms and Conditions (“Terms”) govern your access to and use of this Website and any related communications or services. By accessing this Website or submitting an inquiry, you agree to be bound by these Terms.

Website Operation and Representation

Mortgage with Julia is reprsented  by  Julia Klain, a licensed mortgage originator (NMLS # 1853956), operating under NEXA Mortgage.

Modolia provides referral and online services that facilitate mortgage-related inquiries and connections with appropriately licensed mortgage professionals. Mortgage-related services may be provided directly by the licensed mortgage originator representing this Website or, depending on geographic location, licensing requirements, or other regulatory considerations, an inquiry may be referred to another properly licensed mortgage originator.

Mortgage with Julia is not a lender and does not make credit decisions.

Licensing and affiliation information is provided for identification purposes only and does not constitute an offer to lend.

No Guarantee of Loan Approval

Submission of an inquiry through this Website does not guarantee loan approval, loan terms, interest rates, or the availability of any mortgage product.

All mortgage decisions, approvals, conditions, and terms are determined solely by the lender based on the applicant’s qualifications, including but not limited to credit history, income, assets, liabilities, and applicable underwriting guidelines.

Referrals to Licensed Mortgage Professionals

When appropriate, inquiries may be referred to other licensed mortgage professionals. Any referrals are made in compliance with applicable federal and state laws. Mortgage with Julia, Modolia, and NEXA Mortgage do not control and are not responsible for the actions, decisions, services, or advice provided by third-party mortgage professionals.

Information Accuracy

You agree to provide accurate, current, and complete information when submitting an inquiry through this Website. Providing false, misleading, or incomplete information may result in delays, inability to proceed, or denial of services.

Communications and Consent

By submitting a form on this Website, you consent to be contacted via phone call, text message, and/or email regarding your inquiry. Message frequency may vary. Message and data rates may apply.

You may opt out of SMS communications at any time by replying STOP.

No Legal, Tax, or Financial Advice

Information provided on this Website or through follow-up communications is for general informational purposes only and does not constitute legal, tax, or financial advice. You should consult qualified professionals regarding your individual financial or legal circumstances.

Intellectual Property

All content on this Website, including text, graphics, logos, and design elements, is the property of Mortgage with Julia, Modolia, or their licensors and may not be reproduced, distributed, or used without prior written consent.

Third-Party Links

This Website may contain links to third-party websites. Mortgage with Julia and Modolia are not responsible for the content, privacy practices, or policies of any third-party sites.

Limitation of Liability

To the fullest extent permitted by law, Mortgage with Julia and Modolia shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or related to the use of this Website or reliance on information provided through it.

Changes to These Terms

These Terms may be updated from time to time. Any changes will be posted on this page with an updated effective date. Continued use of the Website constitutes acceptance of the revised Terms.

Governing Law

These Terms shall be governed by and construed in accordance with applicable federal law and the laws of the state(s) in which the licensed mortgage originator is authorized to operate, without regard to conflict-of-law principles.

Contact Information

For questions regarding these Terms and Conditions, please contact us through mortgagewithjulia.com.