Terms & Conditions

Effective date: August 22, 2026

These Terms & Conditions (“Terms”) govern your use of https://mikemylender.com and the website features, appointment tools, communications, and information made available by Mike Hyche, a Mortgage Loan Originator empowered by NEXA Lending LLC (collectively, “Mike Hyche,” “we,” “us,” or “our”). By accessing or using the website, you agree to these Terms. If you do not agree, do not use the website.

1. Informational Purpose Only

Website content is provided for general informational purposes and does not constitute financial, legal, tax, investment, or real-estate advice. Information on the website is not a commitment to lend, an approval, a rate lock, a guarantee of financing, or an offer to enter into a loan agreement.

All loan programs, terms, rates, fees, eligibility requirements, and availability are subject to change without notice. All loans are subject to application, qualification, credit review, property review, underwriting approval, and applicable program requirements. Examples and estimates are illustrative and may not reflect the terms available to a particular borrower.

2. No Lender–Borrower Relationship Created by Website Use

Visiting the website, submitting a general inquiry, or scheduling a consultation does not create a lender–borrower, fiduciary, advisory, or contractual relationship. A financing relationship begins only after the required application, disclosures, authorizations, and approvals are completed through the appropriate process.

3. Your Responsibilities

You agree to provide accurate, current, and complete information when requesting a consultation or applying for financing. You are responsible for reviewing all formal disclosures and loan documents and for asking questions about anything you do not understand.

You may not use the website to:

Violate any applicable law or regulation.

Submit false, fraudulent, misleading, or unauthorized information.

Attempt to interfere with website security or operation.

Introduce malicious code, scrape the website improperly, or access systems without authorization.

Infringe the rights of Mike Hyche, NEXA Lending LLC, or any third party.

4. Applications and Third-Party Services

The website may link to an application portal, calendar, lender resource, or other service operated by a third party. Your use of a third-party service may be governed by that provider’s separate terms and privacy notices. We are not responsible for the availability, content, or practices of third-party websites or platforms.

5. Electronic Communications

When you contact us electronically, request an appointment, or provide contact information, you consent to receive communications relating to your request through the methods you select or authorize. Electronic communications may include email, telephone calls, and text messages. Consent requirements and your communication choices will be honored as required by applicable law.

6. SMS Terms

If you separately opt in to receive text messages, you may receive messages from Mike Hyche, empowered by NEXA Lending LLC, concerning appointment reminders, responses to inquiries, requested service updates, loan-process communications, and—only when separately authorized—marketing or promotional information.

Consent to receive text messages is not a condition of purchasing any product or service.

Message frequency may vary based on your interaction and the services requested.

Message and data rates may apply.

Carriers are not liable for delayed or undelivered messages.

You can cancel the SMS service at any time by replying STOP. After you send STOP, we may send a message confirming that you have been unsubscribed. You will no longer receive text messages from that messaging program unless you opt in again.

If you experience issues with the messaging program, reply HELP for assistance or contact [email protected] or (463) 622-6282.

For information about how personal information and mobile consent are handled, review our Privacy Policy at https://mikemylender.com/privacy-policy.

7. Intellectual Property

Unless otherwise stated, the website’s text, branding, graphics, design, and other original content are owned by or licensed to Mike Hyche or NEXA Lending LLC and are protected by applicable intellectual-property laws. You may view and print reasonable portions for personal, noncommercial use. You may not reproduce, distribute, modify, publish, or commercially exploit website content without prior written permission.

8. Website Availability and Accuracy

We seek to provide accurate and useful information, but we do not warrant that website content is complete, current, error-free, or suitable for every situation. The website may be modified, suspended, or unavailable at any time. You should confirm material financing information through formal disclosures and direct communication before relying on it.

9. Disclaimer of Warranties

To the fullest extent permitted by law, the website and its content are provided “as is” and “as available,” without warranties of any kind, express or implied. Nothing in these Terms excludes warranties or rights that cannot lawfully be excluded.

10. Limitation of Liability

To the fullest extent permitted by law, Mike Hyche, NEXA Lending LLC, and their respective personnel and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to your use of—or inability to use—the website. Nothing in these Terms limits liability that cannot legally be limited.

11. Changes to the Website or These Terms

We may update the website or these Terms periodically. Updated Terms will be posted on this page with a revised effective date. Your continued use of the website after an update constitutes acceptance of the revised Terms.

12. Governing Law

These Terms are governed by applicable federal law and the laws of the jurisdiction that applies to the relevant services and transaction, without overriding any rights you may have under mandatory consumer-protection laws.

13. Contact Us

Questions about these Terms may be directed to:

Mike Hyche
Mortgage Loan Originator, NMLS #2539640
Empowered by NEXA Lending LLC, Company NMLS #1660690
5559 S. Sossaman Road, Building 1, Suite 101
Mesa, AZ 85212
Phone: (463) 622-6282
Email: [email protected]
Website: https://mikemylender.com