Disclosures & Important Notices

A+ Mortgage Broker Chatsworth (“the Company”), located at 1553 County Rd 532, #15, Chatsworth, NJ 08019, is committed to transparency in all of its mortgage brokerage services. Please read the following disclosures carefully before using our website, contacting us, or engaging our services. By accessing this website or speaking with our team, you acknowledge that you have read, understood, and agree to the terms outlined below.

1. No Guarantee of Loan Approval or Funding

Nothing on this website, in any conversation with our staff, or in any written or electronic communication from A+ Mortgage Broker Chatsworth constitutes a guarantee, promise, or commitment of loan approval, loan funding, or loan acceptance. All mortgage applications are subject to underwriting review, lender-specific criteria, creditworthiness evaluation, property appraisal, and applicable federal and state regulations. Approval decisions are made solely by the lending institutions and are not within the control of A+ Mortgage Broker Chatsworth.

• Submitting an application does not guarantee approval.
• Pre-qualification or pre-approval estimates are not binding commitments to lend.
• Final loan approval may be contingent on additional documentation, inspections, or lender conditions.

2. No Guarantee of Specific Rates, Payments, or APR

Any interest rates, annual percentage rates (APR), monthly payment figures, or loan cost estimates referenced on this website or discussed with our team are for illustrative and informational purposes only. Actual rates and terms are determined exclusively by individual lending institutions based on a wide range of factors and may differ materially from any figures discussed or displayed.

• Rates and terms are subject to change without notice and depend on market conditions at the time of application.
• Your individual interest rate, APR, and monthly payment will vary depending on your credit profile, loan-to-value ratio, debt-to-income ratio, loan type, loan amount, property type, and lender-specific guidelines.
• No employee, agent, or representative of A+ Mortgage Broker Chatsworth has authority to lock or guarantee a rate on behalf of any lender unless explicitly confirmed in writing by the lender itself.

3. No Guarantee of Credit Score Outcomes

A+ Mortgage Broker Chatsworth does not provide credit repair services and makes no representations regarding improvements to your credit score. Any general information about credit health discussed on this website is educational in nature only. Individual credit score outcomes vary significantly based on personal financial history, credit bureau data, payment behavior, and other factors outside our control.

• We do not guarantee any specific credit score increase or improvement.
• Mortgage inquiries may result in a hard inquiry on your credit report, which can temporarily affect your credit score.
• Consult a licensed credit counselor or financial advisor for personalized credit guidance.

4. Third-Party Lenders and Partners

As a mortgage broker, A+ Mortgage Broker Chatsworth works with a network of third-party lenders and financial institutions. We do not make lending decisions on behalf of these institutions. The Company may receive compensation from lenders in connection with loan originations. This compensation may influence which lenders or loan products are presented to you, though we strive to act in your best interest at all times.

• We are not responsible for the actions, decisions, or errors of third-party lenders.
• Lender terms, conditions, and availability of loan products may change without notice.
• Not all loan products are available in all areas or to all applicants.

5. Estimated Timelines

Any timelines discussed during consultations or referenced on this website—including estimated closing timelines—are general estimates only and are not guaranteed. Actual timelines may vary based on lender processing times, documentation completeness, appraisal scheduling, title work, and other factors.

• Typical mortgage processing timelines range from approximately 30 to 60 days but may be shorter or longer depending on individual circumstances.
• These timeframes are estimates only and should not be relied upon for firm scheduling or financial commitments.

6. Licensing and Regulatory Compliance

A+ Mortgage Broker Chatsworth operates in accordance with applicable federal and New Jersey state mortgage brokerage laws and regulations. Our services are subject to oversight by relevant regulatory authorities. Consumers are encouraged to verify licensing status and file complaints, if necessary, with the New Jersey Department of Banking and Insurance (DOBI).

• New Jersey Department of Banking and Insurance: www.njconsumeraffairs.gov
• NMLS Consumer Access: www.nmlsconsumeraccess.org

7. Website Information and Accuracy

The content on this website is provided for general informational purposes only and does not constitute legal, financial, or investment advice. While we make reasonable efforts to ensure accuracy, A+ Mortgage Broker Chatsworth does not warrant that all information on this website is complete, current, or error-free. Users should independently verify all information and consult qualified professionals before making financial decisions.

8. Equal Housing Opportunity

A+ Mortgage Broker Chatsworth is an Equal Housing Opportunity provider. We do not discriminate on the basis of race, color, national origin, religion, sex, disability, familial status, or any other characteristic protected by applicable federal, state, or local law.

9. Privacy and Data Use

Any personal or financial information you submit through this website or provide to our team is handled in accordance with our Privacy Policy and applicable data protection regulations. We do not sell your personal information to third parties for marketing purposes.

10. Contact Us

If you have questions about these disclosures or our services, please contact us:

Last updated: 2025. These disclosures are subject to change. Please review this page periodically for updates.