By using this website or any of our services, you represent that you are at least 18 years of age, have the legal capacity to enter into a binding agreement, and agree to comply with these Terms and all applicable laws and regulations. These Terms apply to all visitors, users, and others who access or use our website.
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after any changes constitutes your acceptance of the revised Terms. The "Last Updated" date at the top of this page indicates when the Terms were most recently revised.
NonQM.Loan is a licensed mortgage brokerage operated by Ian Eichelberger, NMLS #368612, in Columbus, Ohio. We provide mortgage brokerage services, including originating and processing applications for Non-QM (Non-Qualified Mortgage) loan products such as Bank Statement loans, DSCR (Debt Service Coverage Ratio) loans, Fix & Flip loans, Bridge loans, 1099 loans, Asset Depletion loans, ITIN loans, Foreign National loans, and loans for borrowers with recent credit events.
Our website provides informational content about mortgage products, a pre-qualification inquiry form, mortgage calculators, and educational blog content. Submission of a pre-qualification inquiry does not constitute a loan application, a commitment to lend, or a guarantee of loan approval.
NonQM.Loan Mortgage Inquiry SMS Program
When you submit a pre-qualification or contact form on our website and provide express written consent, you may be enrolled in our SMS messaging program. Through this program, we may send you text messages (SMS/MMS) related to:
You will only receive SMS messages from us if you have provided your express written consent by checking the SMS consent checkbox on our pre-qualification or contact form. Consent is not a condition of receiving mortgage services from us.
Message frequency varies based on your inquiry status and the stage of your loan process. You may receive up to 10 messages per month. Message frequency may be higher during active loan processing periods.
Message and data rates may apply. These charges are assessed by your mobile carrier and are not charged by NonQM.Loan. Contact your mobile carrier for information about your messaging plan.
You may opt out of our SMS program at any time using any of the following methods:
After opting out, you may still receive transactional messages related to an active loan application as required by applicable law and regulation.
Reply HELP to any text message to receive assistance information, including our phone number and email address. You may also contact us directly at (380) 221-8401 or [email protected].
Our SMS program is supported by all major U.S. wireless carriers, including AT&T, T-Mobile, Verizon, Sprint/T-Mobile, Boost Mobile, Cricket Wireless, US Cellular, and others. Carrier support is not guaranteed for all carriers. Carriers are not liable for delayed or undelivered messages.
We will not share your mobile phone number with third parties for their own marketing purposes. Your information is handled in accordance with our Privacy Policy.
You may use this website for lawful purposes only, including researching mortgage products, submitting loan inquiries, and accessing educational content. You agree to use the website in accordance with these Terms and all applicable federal, state, and local laws.
You agree not to:
When you submit a pre-qualification inquiry or contact form, you agree to provide accurate, current, and complete information. You are responsible for maintaining the accuracy of any information you provide. We reserve the right to refuse service to anyone for any reason at any time.
Nothing on this website constitutes a commitment or offer to make a mortgage loan. All loan programs are subject to credit approval, satisfactory property appraisal, title insurance, and lender underwriting guidelines. Loan approval is not guaranteed.
Interest rates, loan terms, fees, and program guidelines displayed on this website are for informational purposes only and are subject to change without notice. Actual rates and terms will be determined at the time of loan application and are based on your creditworthiness, property type, loan amount, and other factors.
Any mortgage calculators provided on this website are for estimation purposes only. Results are not guaranteed and do not represent an actual loan offer or pre-qualification. Calculations are based on assumptions that may not reflect your actual situation.
Ian Eichelberger (NMLS #368612) is licensed to originate mortgage loans in Ohio and other states where active licenses are maintained. Mortgage brokerage services are not available in all states. NMLS Consumer Access: nmlsconsumeraccess.org.
NonQM.Loan is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status in the provision of mortgage services, as required by the Fair Housing Act and Equal Credit Opportunity Act.
All content on this website, including but not limited to text, graphics, logos, images, blog posts, and software, is the property of NonQM.Loan or its content suppliers and is protected by applicable copyright, trademark, and other intellectual property laws.
You may view, download, and print content from this website for your personal, non-commercial use only, provided you do not modify the content and you retain all copyright and proprietary notices. You may not reproduce, distribute, publicly display, or create derivative works from any content on this website without our express written consent.
This website may contain links to third-party websites, including lender websites, real estate resources, and industry publications. These links are provided for your convenience only. We do not endorse, control, or assume responsibility for the content, privacy practices, or accuracy of any third-party website. Your use of third-party websites is at your own risk and subject to their respective terms and privacy policies.
We use GoHighLevel (GHL) as our CRM platform to manage lead inquiries and communications. By submitting a form on our website, you acknowledge that your information will be processed by GHL in accordance with their terms of service and privacy policy.
THIS WEBSITE AND ALL CONTENT, SERVICES, AND INFORMATION PROVIDED HEREIN ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or timeliness of any information on the website. You use the website at your own risk.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NONQM.LOAN AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THIS WEBSITE OR OUR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM YOUR USE OF THIS WEBSITE SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00).
You agree to indemnify, defend, and hold harmless NonQM.Loan, Ian Eichelberger, and their respective officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with: (a) your use of the website or our services; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) any information you submit through the website.
These Terms shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms or your use of this website shall be resolved exclusively in the state or federal courts located in Franklin County, Ohio, and you consent to the personal jurisdiction of such courts.
Before initiating any formal legal proceeding, you agree to contact us at [email protected] to attempt to resolve the dispute informally. We will make good-faith efforts to resolve any dispute within 30 days of receiving written notice.
If any provision of these Terms is found to be invalid, illegal, or unenforceable under applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, or if it cannot be modified, it shall be severed from these Terms. The remaining provisions shall continue in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and NonQM.Loan with respect to your use of this website and supersede all prior and contemporaneous agreements, representations, and understandings.
If you have questions about these Terms of Service, please contact us:
NonQM.Loan — operated by Ian Eichelberger
NMLS #368612
Columbus, Ohio
Phone: (380) 221-8401
Email: [email protected]
Website: https://nonqm.loan
NMLS Consumer Access: nmlsconsumeraccess.org
Equal Housing Lender. This website is not an offer to lend. All loan programs are subject to credit approval, property appraisal, and lender guidelines. Rates and terms are subject to change without notice. NMLS #368612.