Last Updated: June 1, 2026
These Terms & Conditions ("Terms") govern your use of and access to matosmortgages.com (the "Site"), operated by Edwin Matos, Licensed Mortgage Loan Officer, NMLS #2749585. By accessing or using this Site, you agree to be bound by these Terms. If you do not agree, please do not use this Site.
Nothing on this website constitutes a commitment or agreement to lend. All loan products and rates are subject to credit approval, income verification, property appraisal, and lender guidelines. Rates and programs are subject to change without notice. This site is for informational purposes only.
You may use this Site to learn about mortgage products, request a rate quote, and contact Edwin Matos for mortgage services. You agree to provide accurate and complete information in any forms you submit.
You agree not to: (a) use this Site for any unlawful purpose; (b) submit false or misleading information; (c) attempt to gain unauthorized access to any part of the Site; (d) use automated tools to scrape, crawl, or collect data from the Site without written permission.
You must be at least 18 years old to use this Site and request mortgage services. By using this Site, you represent that you meet this requirement.
By submitting a form or contacting us through this Site, you authorize Edwin Matos and Matos Mortgages to contact you regarding your mortgage inquiry via phone, SMS, and email. You acknowledge that you have read and agree to our Privacy Policy, including the SMS consent disclosure.
Consent to receive communications is not a condition of receiving any loan product or service.
By providing your phone number and submitting a form on this Site, you consent to receive conversational SMS messages from Edwin Matos | Matos Mortgages (NMLS #2749585) related to your mortgage inquiry, application, and follow-up. Message and data rates may apply. Reply STOP to opt out. Reply HELP for support. Message frequency varies.
No mobile information will be shared with third parties for marketing or promotional purposes.
All content on this Site — including text, graphics, logos, and design — is the property of Edwin Matos / Matos Mortgages or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works without written permission.
This Site may contain links to third party websites (such as NMLS Consumer Access, lender websites, and social media). These third party sites have their own terms and privacy policies, and we are not responsible for their content or practices. Your use of third party sites is at your own risk.
Loan applications may be processed through Matos Mortgages. By submitting an application, you also agree to Matos Mortgages's Terms & Conditions and Privacy Policy.
This Site and its content are provided "as is" without warranties of any kind, either express or implied. Edwin Matos and Matos Mortgages make no warranty that the Site will be uninterrupted, error-free, or free from viruses. Mortgage rate information displayed on this Site is for illustrative purposes only and may not reflect actual rates for which you qualify.
To the fullest extent permitted by law, Edwin Matos, Matos Mortgages, and Matos Mortgages shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this Site, even if advised of the possibility of such damages. Our total liability to you for any claim arising from your use of this Site shall not exceed the amount you paid to us, if any, in the twelve months preceding the claim.
You agree to indemnify and hold harmless Edwin Matos, Matos Mortgages, and Matos Mortgages from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of this Site, your violation of these Terms, or your submission of false or misleading information.
These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be resolved in the appropriate courts located in Illinois, or through binding arbitration as agreed between the parties.
Edwin Matos is a licensed Mortgage Loan Officer, NMLS #2749585. Licensed in Illinois, Indiana, and Wisconsin. To verify licensing information, visit NMLS Consumer Access.
We are committed to ensuring digital accessibility for people with disabilities. If you experience difficulty accessing any content on this site, please contact us at (773) 992-1813 or edwin.matos@loanfactory.com and we will assist you.
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this Site. Continued use of the Site after changes are posted constitutes your acceptance of the updated Terms.
Edwin Matos | Matos Mortgages
NMLS #2749585 | NMLS #2749585
Licensed in Illinois, Indiana & Wisconsin
📞 (773) 992-1813
📱 SMS: (773) 992-1813
✉️ edwin.matos@loanfactory.com
🌐 matosmortgages.com