Privacy and disclosures

MJ Financial privacy notice and mortgage disclosures.

MJ Financial collects information submitted through this website to respond to mortgage inquiries, evaluate initial review priority, keep consent records, and communicate about mortgage options. MJ Financial, NMLS #1428774.

Information collected

The refinance review form may collect your name, phone number, email, property state, property type, occupancy, estimated home value, mortgage balance, current rate, current payment, income amount, monthly debts, desired cash-out amount, refinance goal, consent status, lead score, lead tier, estimated LTV, estimated DTI, source page, and Netlify submission metadata.

How information is used

Submitted information is used to contact you, estimate whether a mortgage review may be relevant, route the request internally, maintain compliance records, and improve marketing performance. This initial review is based on self-reported information and does not create a loan approval or commitment to lend.

Mortgage disclosures

Website information is not an application approval, loan approval, rate lock, or commitment to lend. Programs, rates, terms, fees, and availability may change. Final terms depend on verified application data, credit, income, assets, property, title, underwriting, investor guidelines, and applicable law.

Equal Housing Opportunity

MJ Financial supports Equal Housing Opportunity. Credit decisions and mortgage availability are subject to applicable federal and state law.

Contact and opt out

You may contact MJ Financial at mjfinanciallending@outlook.com or 248-607-0662. You may opt out of text messages by replying STOP.

Licensing

Licensing information may be verified through NMLS Consumer Access.