Skip to Content

Legal, Privacy & Compliance

Single source of truth for Homestead Capital Partners disclosures, licensing, privacy practices, and terms of use.

Effective 2026-04-23 · Version 1 — subject to legal review.

Licensing & Identity

  • Jon Howard, Mortgage Loan Originator · NMLS #2587985 · Licensed Colorado
  • Homestead Capital Partners · NMLS #2587985
  • NEXA Lending LLC · NMLS #1660690 · 5559 S Sossaman Rd Bldg #1 Ste #101, Mesa, AZ 85212
  • Licensed to originate in 48 states (not currently authorized in New York or Massachusetts). State-specific licensing at nmlsconsumeraccess.org.

Equal Credit Opportunity Act Notice

Homestead Capital Partners does not discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Fair Housing & Equal Housing Lender

Homestead Capital Partners is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, handicap, or any other protected class under the Fair Housing Act (42 U.S.C. § 3604). All financing is subject to credit approval.

Reverse Mortgage (HECM) Disclosures

  • Borrowers must be 62 years of age or older.
  • HUD-approved counseling is required before loan application.
  • A reverse mortgage is not a government benefit.
  • The loan becomes due and payable when the last surviving borrower no longer occupies the home as their primary residence or fails to meet the obligations of the mortgage (property taxes, insurance, maintenance, HOA fees).
  • Failure to maintain the property or meet obligations may result in foreclosure.
  • Non-recourse: borrowers (or their estate) are not personally liable for amounts exceeding the home's fair market value at loan payoff.
  • Borrowers retain title to the home during the life of the loan.
  • Federal law provides a 3-day right of rescission for most reverse mortgages.

Regulation Z / Truth in Lending Act

Content on this website describing loan programs is informational only and does not constitute an offer to lend. Rates, terms, fees, and programs are subject to change without notice. All loans are subject to credit approval, property appraisal, title review, and verification of information. If specific interest rates, payment amounts, or down payment percentages are mentioned, full APR and repayment disclosures will be provided at formal loan application per 15 U.S.C. § 1601 and 12 CFR § 1026.24.

RESPA & Settlement Services

Homestead Capital Partners complies with the Real Estate Settlement Procedures Act (RESPA, 12 U.S.C. § 2601). We do not pay or accept kickbacks for the referral of settlement service business. You have the right to choose your own settlement service providers.

Privacy Policy

Information We Collect

Information you provide directly (name, contact, loan application data); information collected automatically (IP address, device info, cookies); information from third parties (credit bureaus, public records, verification services).

How We Use Your Information

To respond to inquiries, process loan applications, comply with federal and state law (SAFE Act, TILA, RESPA, ECOA, Fair Housing Act, GLBA, BSA/AML), prevent fraud, and communicate with you about products you request.

Information Sharing

Shared with NEXA Lending LLC (our wholesale lender partner), third-party service providers bound by confidentiality (underwriters, credit agencies, document signing), government authorities as required by law, and — with your consent — referred partners. We do NOT sell your personal information for advertising.

Your Rights

GLBA: Annual Privacy Notice + opt-out of certain information sharing. CCPA: California residents have additional rights — see our CCPA Notice. FCRA: Right to access your credit information and dispute inaccuracies.

Cookies & Tracking

Our website uses cookies for authentication, session management, and analytics. You can disable cookies in your browser, though some site features may not function.

Data Security

We implement reasonable administrative, technical, and physical safeguards. However, no system is 100% secure.

Children's Privacy

Services are not directed to individuals under 18. We do not knowingly collect information from children.

Terms of Use

Website Content Is Not an Offer to Lend

All content is informational only. Rates, terms, fees, and programs are illustrative and subject to change. All applications are subject to underwriting review, credit approval, property appraisal, and verification.

No Guarantee of Approval

Submitting an application does not guarantee approval. Loan approval requires meeting specific underwriting criteria.

Third-Party Links

Our website may contain links to third-party sites. We are not responsible for the content, privacy practices, or accuracy of external sites.

Intellectual Property

All content, logos, and materials on this site are the property of Homestead Capital Partners or licensed partners. Unauthorized reproduction is prohibited.

Limitation of Liability

To the maximum extent permitted by law, Homestead Capital Partners shall not be liable for indirect, incidental, or consequential damages arising from use of this website.

Governing Law

These Terms are governed by the laws of the State of Colorado. Any disputes shall be resolved in the courts of Colorado.

Accessibility

Homestead Capital Partners is committed to WCAG 2.1 Level AA conformance. For accessibility barriers or alternative formats, contact hello@homesteadcapitalpartners.com or +1 (970) 457-9107. We comply with Title III of the Americans with Disabilities Act.

California Consumer Privacy Act (CCPA)

California residents may request information about personal information we collect, request deletion, or opt out of sale. We do not sell personal information. See our full CCPA Notice.

Contact

Homestead Capital Partners
NMLS #2587985 · Licensed Colorado
Phone: +1 (970) 457-9107
Email: hello@homesteadcapitalpartners.com

NEXA Lending LLC
NMLS #1660690
5559 S Sossaman Rd Bldg #1 Ste #101, Mesa, AZ 85212

This page consolidates privacy, terms, disclosures, and compliance information. Focused policy references: Privacy Policy · Terms of Service · Accessibility Statement · CCPA Notice.