Terms of Service

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Welcome to Your Loan Chic, operated by Jennifer Chicano (“Your Loan Chic,” “I,” “me,” or “my”). These Terms of Service govern your access to and use of yourloanchic.com, jenniferchicano.com, related webpages, online forms, calculators, scheduling tools, and other website-based services.

By accessing or using these websites or submitting information through them, you agree to these Terms of Service and acknowledge the Privacy Policy. If you do not agree with these terms, please discontinue use of the websites.

Jennifer Chicano is a licensed Mortgage Loan Originator sponsored by Zero Point Mortgage Services (“ZPM”).

Mortgage information and services are available only in jurisdictions where Jennifer Chicano and Zero Point Mortgage Services are appropriately licensed and authorized to conduct business.

Jennifer Chicano is currently licensed in:

• Arizona 
• California 
• Colorado 
• Florida 
• Pennsylvania 

Availability of particular mortgage products, programs, lenders, rates, terms, and services varies by jurisdiction and borrower qualifications.

Information provided on these websites is for general informational and educational purposes and should not be considered financial, tax, investment, accounting, or legal advice.

Mortgage scenarios, examples, educational materials, calculators, payment illustrations, affordability estimates, rate information, and other content are intended to help consumers understand potential financing options.

Individual circumstances vary. You should consult appropriate qualified professionals regarding financial, tax, legal, insurance, or investment matters when necessary.

Nothing contained on these websites constitutes a commitment to lend, an approval, a loan offer, a guarantee of financing, or a guarantee of any particular interest rate, payment, loan amount, program, or loan terms.

Mortgage approval is subject to applicable underwriting requirements, verification of information, credit approval, acceptable property and collateral, program eligibility, and other lender requirements.

Rates, programs, fees, guidelines, and terms are subject to change without notice.

Calculators, payment estimates, affordability tools, examples, and other interactive tools available through these websites are provided for informational purposes only.

Results are estimates and may not include all costs associated with a mortgage or real estate transaction, including property taxes, homeowners insurance, mortgage insurance, homeowners association dues, assessments, closing costs, prepaid expenses, or other charges.

Actual payments, rates, costs, qualification amounts, and loan terms may differ.

You agree that information you voluntarily submit through forms, applications, scheduling tools, email, telephone, SMS, or other communications will be accurate to the best of your knowledge.

Submission of an inquiry or lead form does not constitute a mortgage application or guarantee eligibility for financing.

If you choose to proceed with a mortgage application, additional information and documentation may be required.

Collection, use, disclosure, and protection of information submitted through these websites are addressed in the Privacy Policy.

By providing your contact information, you may request or consent to communications from Jennifer Chicano | Your Loan Chic regarding your mortgage inquiry, requested services, appointments, application, transaction, or other communications you request.

If you separately consent to receive marketing or promotional text messages, you may receive mortgage information, market updates, educational information, reminders, and promotional communications.

Message frequency may vary. Message and data rates may apply.

Reply STOP to opt out of SMS communications or HELP for assistance.

Consent to receive marketing or promotional text messages is not a condition of obtaining mortgage services.

Opting out of marketing text messages does not prevent communications that are otherwise permitted or required regarding an active transaction or service request, subject to applicable law and your communication preferences.

Mobile information and SMS consent information will not be sold or shared with third parties for their own marketing or promotional purposes.

If you subscribe to marketing or promotional email communications, you may unsubscribe using the unsubscribe link provided in applicable emails.

You may continue to receive non-marketing communications when appropriate in connection with inquiries, appointments, applications, transactions, servicing matters, legal requirements, or other services you request.

You agree to use these websites only for lawful purposes.

You may not:

• Use the websites for fraudulent, unlawful, or abusive purposes. 
• Attempt to gain unauthorized access to the websites or associated systems. 
• Introduce malicious software, viruses, or harmful code. 
• Interfere with website operation or security. 
• Attempt to collect information about other users without authorization. 
• Reproduce or commercially exploit website content without authorization except as permitted by law. 

Access may be restricted or terminated when reasonably necessary to protect the websites, business, users, or third parties.

These websites may use or link to third-party services, including mortgage lenders, application platforms, scheduling systems, analytics providers, calculators, social-media platforms, technology providers, or other service providers.

Third-party websites and services operate under their own terms and privacy practices.

Your Loan Chic does not control and is not responsible for the availability, security, accuracy, content, or practices of independent third-party websites or services.

Unless otherwise stated, website content, branding, graphics, written materials, educational content, and other original materials associated with Your Loan Chic are owned by or licensed to Jennifer Chicano and may not be reproduced, distributed, modified, or commercially used without permission except as permitted by law.

Third-party trademarks, logos, and content remain the property of their respective owners.

These websites and their content are provided on an “as available” basis.

Reasonable efforts are made to provide accurate and current information; however, mortgage programs, guidelines, market conditions, laws, rates, and other information may change.

To the extent permitted by applicable law, no guarantee is made that website information will always be complete, current, uninterrupted, or error-free.

To the extent permitted by applicable law, Jennifer Chicano | Your Loan Chic will not be liable for indirect, incidental, special, consequential, or similar damages resulting solely from the use of or inability to use these websites or reliance upon general informational website content.

Nothing in these Terms is intended to waive, restrict, or disclaim rights or remedies that cannot legally be waived under applicable federal or state law.

Questions or complaints concerning mortgage services may be directed to:

Jennifer Chicano | Your Loan Chic
Email: jenn@yourloanchic.com
Phone: 720-594-2626
Mailing Address: 5200 DTC Parkway, Suite 300, Greenwood Village, CO 80111

Additional information regarding complaints and regulatory contacts is available through the Consumer Grievance Policy on this website.

Nothing in these Terms limits a consumer's right to contact an applicable regulatory agency.

Use of personal information collected through these websites is described in the Your Loan Chic Privacy Policy.

When you proceed with a mortgage application or transaction through Zero Point Mortgage Services or another financial institution, additional financial privacy notices, disclosures, agreements, and terms may apply.

These Terms of Service may be updated periodically to reflect changes in services, technology, business practices, or applicable requirements.

The current version will be posted on this page with the applicable effective date.

These Terms are governed by applicable federal law and, to the extent applicable and permitted by law, the laws of the State of Colorado, without limiting any rights or protections available to consumers under applicable state or federal law.

Questions regarding these Terms of Service may be directed to:

Jennifer Chicano | Your Loan Chic
Email: jenn@yourloanchic.com
Phone: 720-594-2626
Mailing Address: 5200 DTC Parkway, Suite 300, Greenwood Village, CO 80111
Website: yourloanchic.com

Jennifer Chicano | NMLS #1194079
Zero Point Mortgage Services | NMLS #1216108