Terms and Conditions
Effective Date: September 2026 · 10 Home Legacy / Paul Jang, Mortgage Loan Originator with NEXA Lending
1. Acceptance of Terms
By accessing or using 10 Home Legacy (including 10homelegacy.com, app.10homelegacy.com, or affiliated pages), you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree to these terms, please do not use this site.
2. Mortgage Brokerage & Lending Disclaimers
No Guarantee of Loan Approval: Submission of an inquiry, completion of online forms, or discussions of hypothetical rates and terms does NOT constitute a loan commitment, guarantee of approval, or rate lock. All mortgage applications are subject to full underwriting review, income verification, property appraisal, title clearance, and guidelines mandated by investors and regulatory agencies.
Licensed Origination: Paul Jang conducts mortgage loan origination as a licensed Mortgage Loan Originator affiliated with NEXA Lending LLC. Equal Housing Lender.
3. The 10-Home Strategy Educational Scope
The concepts, frameworks, and portfolio building strategies discussed on this website (such as using FHA financing, HELOC equity taps, DSCR loans, and the BRRRR method) are for educational and illustrative purposes. Real estate investments involve market risks, vacancies, maintenance expenses, and interest rate fluctuations. Past performance or sample scenarios do not guarantee future returns.
4. TCPA Consent & Communications
By providing your phone number and email address on our inquiry forms, you expressly consent to receive communications (including phone calls, text messages / SMS, and emails) from Paul Jang and NEXA Lending regarding mortgage pre-approvals, rates, and educational real estate updates. You may opt out of automated SMS at any time by replying "STOP".
5. Intellectual Property
The 10 Home Legacy name, logos, roadmap illustrations, website content, and written materials are the property of 10 Home Legacy and Paul Jang, protected under applicable copyright and intellectual property laws.
6. Governing Law
These terms shall be governed by and construed in accordance with applicable federal lending laws and state regulations governing the jurisdiction in which the loan transaction originates.