Terms of Use

Last Updated: 2026

Preston Million, dba NEA Home Loans (“NEA Home Loans LLC,” “we,” “our,” or “us”), owns and operates the website located at https://www.americanmtg.com/(the “Site”). These Terms of Use govern your access to and use of the Site. By accessing or using the Site, you agree to these Terms, our Privacy Policy, and all applicable laws.

PRODUCTS AND SERVICES

NEA Home Loans LLC is a mortgage brokerage and marketing service, not a direct lender or creditor. Any loan approvals, rates, or terms are determined solely by licensed lenders and financial institutions. We do not guarantee approvals or outcomes.

LOAN REQUEST POLICY

A loan request submitted through our Site is not a formal loan application, pre-qualification, or credit approval.

Loan requests are used to match consumers with lenders and other related service providers (“Service Providers”).

We do not make underwriting or credit decisions. Final terms, eligibility, and approval remain solely with the Service Providers.

By submitting a loan request, you authorize us to share your information with matching Service Providers, who may contact you directly.

CREDIT CHECK AND FCRA COMPLIANCE

By submitting your information, you provide express written consent under the Fair Credit Reporting Act (FCRA) for NEA Home Loans and matched Service Providers to obtain your consumer credit profile from credit bureaus. This information may be used to evaluate you for credit and related services.

NO ENDORSEMENTS

We strive to work only with reputable Service Providers, but we do not endorse, guarantee, or recommend any specific lender or product. Consumers should perform their own due diligence.

ELECTRONIC CONSENT (E-CONSENT)

By using our services, you consent to receive disclosures, notices, and communications electronically as permitted under the Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), and other laws. You may withdraw consent by contacting us at [email protected].

RESTRICTIONS

You must be 18 years or older and a U.S. resident to use this Site. Use of the Site for illegal or fraudulent purposes is strictly prohibited.

COMPLIANCE WITH LAWS

You agree to comply with all applicable federal, state, and local laws, including but not limited to:

Real Estate Settlement Procedures Act (RESPA)

Fair Lending laws (ECOA, FHA, Fair Housing Act)

Telephone Consumer Protection Act (TCPA) and A2P 10DLC text compliance rules

State mortgage licensing and advertising requirements

TEXT MESSAGING AND A2P COMPLIANCE

We may send text messages related to services you request, including confirmations, reminders, document requests, status updates, and limited service related notifications.

By providing your mobile phone number, you provide express consent to receive automated and non automated text messages from NEA Home Loans LLC.

Message frequency varies based on your interaction and requests. Standard message and data rates may apply.

You may opt out at any time by replying STOP, END, CANCEL, UNSUBSCRIBE, or OUT. You may reply HELP for assistance or contact us at 870-926-4052 or [email protected].

Your consent to receive text messages is not a condition of purchase, loan approval, or service eligibility.

Wireless carriers are not liable for delayed or undelivered messages.

You represent that you are the account holder for the mobile phone number provided or that you have authorization from the account holder to provide consent.

SMS DATA USE

Mobile phone numbers and SMS consent information are used solely to communicate about services you request. We do not sell, rent, lease, or share mobile phone numbers or SMS consent data with third parties for their own marketing or promotional purposes. SMS information is shared only with service providers as necessary to deliver messaging services.

CONSENT REVOCATION

If you opt out of text messaging, you will no longer receive automated messages unless you later re enroll by providing new consent. Opting out does not affect other forms of communication you may have authorized, such as email or phone calls, unless you revoke those permissions separately.

INTELLECTUAL PROPERTY

All content, trademarks, text, graphics, logos, and images on the Site are owned by NEA Home Loans or licensed third parties. You may not copy, distribute, or modify any material without prior written permission.

LIMITATION OF LIABILITY

The Site and its content are provided “AS IS.” We make no warranties about accuracy, reliability, or suitability for any purpose. To the fullest extent permitted by law, NEA Home Loans LLC disclaims liability for damages resulting from your use of the Site.

THIRD-PARTY CONTENT

The Site may include links to third-party websites. We are not responsible for the content, practices, or policies of those sites.

PRIVACY

Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, and share your personal information. Our Privacy Policy includes additional information about how we collect, use, and protect personal data, including information related to text messaging and communication consent.

SECURITY

We use secure technologies to safeguard information, but no system is 100% secure. We cannot guarantee absolute protection against unauthorized access.

SITE USE AND COMPENSATION DISCLOSURE

We may receive marketing or referral fees from lenders and affiliates. Compensation arrangements do not affect your rights and do not constitute endorsements.

LAW AND VENUE

These Terms are governed by the laws of Arkansas, without regard to conflict of law provisions. Any disputes will be handled in Craighead County , Arkansas, except where arbitration rules apply.

ARBITRATION AGREEMENT

By using this Site, you agree to resolve disputes through binding arbitration on an individual basis, in accordance with the Federal Arbitration Act and JAMS rules. You waive the right to jury trials and class actions.

INDEMNIFICATION

You agree to indemnify and hold harmless NEA Home Loans LLC, its affiliates, and employees from claims or damages arising out of your use of the Site.

MODIFICATIONS

We reserve the right to update or modify these Terms at any time. Continued use of the Site after changes means you accept the revised Terms.

VIOLATION OF TERMS

We may suspend or terminate your access to the Site without notice if you violate these Terms, applicable laws, or our Privacy Policy.

MISCELLANEOUS

If any provision of these Terms is deemed invalid, the remaining provisions remain enforceable. These Terms, together with our Privacy Policy, form the entire agreement. These Terms of Use are intended to comply with applicable carrier requirements for Application to Person messaging and related consumer protection laws.

CONTACT INFORMATION

NEA Home Loans

NEA Home Loans LLC

Preston Million, dba NEA Home Loans

Phone: 870-926-4052

Email: [email protected]

Website: https://www.americanmtg.com/

Address: 122 CR 7185, Jonesboro, AR, 72405