Terms & Conditions
Last updated: June 2026
These Terms and Conditions ("Terms") govern your use of services provided by Mi Alcanza, LLC ("Mi Alcanza," "we," "us," or "our"), including our website at mialcanza.com, SMS communications, and mortgage loan processing platform. By using our services, you agree to these Terms.
1. Services
Mi Alcanza provides mortgage loan processing assistance, document collection, and borrower support services. We work with licensed mortgage lenders and operate under the supervision of US-licensed mortgage professionals. Mi Alcanza does not make lending decisions and is not a lender.
2. SMS Messaging Terms
By providing your mobile number and opting in, you consent to receive automated and non-automated SMS messages from Mi Alcanza regarding your loan application, document requests, status updates, and educational content. Message frequency varies based on your application status. Standard message and data rates may apply. To opt out, reply STOP to any message. To get help, reply HELP or contact us at (775) 551-6485.
Opting out of SMS will not affect your loan application or your right to receive services. You may still receive legally required notices through other channels.
3. AI-Assisted Processing
Mi Alcanza uses artificial intelligence (AI) tools to assist in reviewing loan documents and generating summaries for our processing team. AI is used as a tool to support — not replace — human review and decision-making. All eligibility determinations and credit-related decisions are made by qualified human personnel under applicable laws including ECOA and Regulation B.
4. User Responsibilities
You agree to:
- Provide accurate, complete, and truthful information in connection with your loan application
- Notify us promptly of any changes to your financial situation or contact information
- Not use our services for any unlawful purpose
- Keep your login credentials and verification codes confidential
5. Privacy
Your privacy is important to us. Please review our Privacy Policy, which describes how we collect, use, and protect your personal information and is incorporated into these Terms by reference.
6. No Guarantee of Loan Approval
Nothing in our communications or on this website constitutes a guarantee or commitment to provide a loan or any specific loan terms. Loan approval is subject to lender underwriting, verification of information, and applicable guidelines.
7. Fair Lending
Mi Alcanza is committed to fair lending. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, familial status, disability, or any other characteristic protected by law, including ECOA (Regulation B) and the Fair Housing Act.
8. Limitation of Liability
To the maximum extent permitted by law, Mi Alcanza shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services. Our total liability shall not exceed the fees paid by you to Mi Alcanza in the three months preceding the claim.
9. Governing Law
These Terms are governed by the laws of the State of Nevada, without regard to conflict of law principles. Any disputes shall be resolved in the state or federal courts located in Washoe County, Nevada.
10. Changes to These Terms
We may update these Terms from time to time. We will notify you of material changes via SMS or email. Continued use of our services after notice constitutes acceptance of the updated Terms.
11. Contact Us
Mi Alcanza, LLC
Email: jj@mialcanza.com
Phone: (775) 551-6485