Terms & Conditions · Términos y Condiciones

1. About Mi Alcanza

Mi Alcanza is a mortgage loan processing service operated by its parent company. We provide bilingual mortgage file preparation and processing services on behalf of licensed lenders. Mi Alcanza does not make lending or underwriting decisions. All loan approvals, denials, and terms are determined solely by the licensed lender you are working with.

These Terms govern your use of mialcanza.com, our mobile platform, SMS communications, chat services, and any other services we provide (collectively, the "Services").

2. Eligibility

By using our Services, you represent that:

• You are at least 18 years of age
• You have the legal capacity to enter into a binding agreement
• You are using the Services for lawful purposes only
• All information you provide is accurate and complete to the best of your knowledge

3. Services Provided

Mi Alcanza provides the following services:

• Mortgage loan file preparation and document collection
• Condition tracking and status communication
• Bilingual support in English and Spanish
• File submission to licensed lenders on your behalf
• SMS and email communications related to your application

Our Services are limited to mortgage file processing. We are not a mortgage lender, broker, or financial advisor. We do not provide legal, tax, or investment advice.

4. No Guarantee of Loan Approval

Use of Mi Alcanza's services does not guarantee mortgage approval. Loan approval is determined entirely by your lender based on your creditworthiness, the property, and applicable program requirements. Mi Alcanza makes no representations or warranties about the likelihood of loan approval.

5. SMS / Text Messaging Terms

6. User Responsibilities

When using our Services, you agree to:

• Provide accurate, complete, and truthful information at all times
• Promptly notify us of any changes to your contact information or financial circumstances
• Not use our Services for any fraudulent, illegal, or unauthorized purpose
• Not submit false documents or misrepresent your financial situation
• Keep your account credentials confidential

Providing false information in connection with a mortgage application may constitute mortgage fraud, which is a federal crime punishable under 18 U.S.C. § 1014 and related statutes.

7. Privacy & Data Handling

Your use of our Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Services, you consent to our collection, use, and sharing of your information as described in the Privacy Policy.

8. Intellectual Property

All content on mialcanza.com, including text, graphics, logos, and software, is the property of Mi Alcanza or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

9. Disclaimer of Warranties

Our Services are provided "as is" and "as available" without warranties of any kind, express or implied. Mi Alcanza does not warrant that the Services will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy or completeness of any information provided through our Services.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Mi Alcanza and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Services, including but not limited to loss of data, loss of profits, or any loan denial or adverse credit decision.

11. Indemnification

You agree to indemnify and hold harmless Mi Alcanza and its affiliates, officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Services, your violation of these Terms, or your submission of false or misleading information.

12. Fair Lending & Non-Discrimination

Mi Alcanza is committed to equal access and fair lending practices. We do not discriminate on the basis of race, color, national origin, religion, sex, familial status, disability, age, or any other characteristic protected by the Equal Credit Opportunity Act (ECOA), the Fair Housing Act, or other applicable law.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which Mi Alcanza's parent company is incorporated, without regard to conflict of law principles.

14. Changes to These Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page with a new effective date. Your continued use of our Services after any changes constitutes your acceptance of the updated Terms.

15. Contact Us