Mortgage & Lending Disclaimer
ERMBC Advisors, LLC is a consulting firm and is not a mortgage lender, mortgage servicer, or real estate broker. ERMBC Advisors, LLC does not make credit decisions, set loan terms, or fund loans. Residential mortgage loans are arranged and brokered exclusively through InstaMortgage Inc., NMLS ID 1035734. Licensed Loan Officer: Erasmo R. Menchaca, NMLS ID 2130676. All residential mortgage loan approvals, underwriting, rates, terms, and funding decisions are made solely by InstaMortgage Inc. and its lending partners, subject to credit approval and applicable laws. Nothing on this website constitutes a commitment to lend, a loan approval, or a guarantee of financing. Commercial loan services are provided on a consulting and referral basis and may involve third-party lenders, private lenders, or financial institutions. Commercial loan programs, terms, and availability vary by lender and are subject to change without notice.
NMLS Consumer access at: https://www.nmlsconsumeraccess.org/
NMLS & Mortgage Advertising Disclosure
ERMBC Advisors, LLC is a consulting firm and is not a mortgage lender, mortgage servicer, or real estate broker. ERMBC Advisors, LLC does not take mortgage applications, make credit decisions, set loan terms, or fund loans. Residential mortgage loans are arranged and brokered exclusively through InstaMortgage Inc., NMLS ID 1035734, a licensed mortgage broker and/or lender, as applicable by state law. Licensed Mortgage Loan Officer: Erasmo R. Menchaca, NMLS ID 2130676. All residential mortgage loan approvals, underwriting decisions, interest rates, fees, loan terms, and funding are made solely by InstaMortgage Inc. and its participating lenders, subject to credit approval, property approval, and applicable federal and state laws. Nothing on this website constitutes: (1) A loan application; (2) A commitment to lend; (3) A loan approval or pre-approval; or (4) A guarantee of financing. All mortgage products and services are subject to change without notice. Any mortgage-related information, examples, scenarios, or descriptions on this website or in advertising materials are provided for general informational purposes only and are not intended to induce or solicit a specific loan transaction.
Interest rates, payment examples, and loan scenarios, if shown, are illustrative only and may not reflect current market conditions or borrower eligibility.
ERMBC Advisors, LLC may receive compensation for consulting or referral services. Compensation is not dependent upon loan approval or loan terms.
State & Federal Lending Compliance Disclosure
ERMBC Advisors, LLC provides consulting services related to residential and commercial financing. ERMBC Advisors, LLC is not licensed as a mortgage lender or mortgage broker unless required by applicable state law. Where required, residential mortgage loan activity is conducted exclusively through InstaMortgage Inc. and its duly licensed loan officers. Commercial lending services are not consumer mortgage loans and may not be subject to the same disclosure or consumer protection requirements as residential mortgage transactions. Nothing on this website should be construed as legal, tax, or financial advice. Not all applicants will qualify. Loan approval depends on creditworthiness, income verification, assets, property eligibility, loan program requirements, and other underwriting criteria.
Mortgage loan availability, licensing, and regulatory oversight vary by state.
Florida – Residential mortgage loans are offered through InstaMortgage Inc., a mortgage broker and/or lender licensed by the Florida Office of Financial Regulation. All mortgage activity is subject to Florida law and regulatory requirements. Texas – Mortgage loan services are offered through InstaMortgage Inc., a licensed mortgage company regulated by the Texas Department of Savings and Mortgage Lending. Mortgage loan terms and availability are subject to Texas law. Georgia – Mortgage loan services are offered through InstaMortgage Inc., a licensed mortgage lender/broker regulated by the Georgia Department of Banking and Finance. New Jersey – Mortgage loan services are offered through InstaMortgage Inc., licensed by the New Jersey Department of Banking and Insurance. Mortgage Loan Officer Erasmo R. Menchaca is licensed to originate residential mortgage loans in New Jersey under NMLS ID 2130676.
Consumers should verify licensing status through the Nationwide Multistate Licensing System (NMLS) Consumer Access website.
Website Disclaimer
The information on this website is provided for general informational and educational purposes only and does not constitute an offer to lend, a solicitation for credit, or financial advice. Any examples, scenarios, market commentary, or financing strategies are illustrative only and do not guarantee results. ERMBC Advisors, LLC makes no representations or warranties regarding the accuracy or completeness of the information provided and disclaims liability for reliance on website content.
Use of this website does not create a lender-borrower, broker-client, fiduciary, or advisory relationship.
Fair Lending & Equal Opportunity Notice
ERMBC Advisors, LLC supports fair lending and equal opportunity in housing and credit. InstaMortgage Inc. is an Equal Housing Lender. Residential mortgage products arranged through InstaMortgage Inc. are offered in compliance with the Equal Credit Opportunity Act (ECOA), Fair Housing Act, and all applicable federal and state fair lending laws. We do not discriminate on the basis of race, color, religion, sex, marital status, age, national origin, disability, familial status, sexual orientation, gender identity, or any other characteristic protected by law.
Commercial Loan Disclosure
Commercial financing products are not residential mortgage loans and typically involve higher risk, different underwriting standards, and fewer consumer protections. Loan approval, terms, interest rates, fees, collateral requirements, and repayment structures vary by lender and transaction. ERMBC Advisors, LLC does not guarantee loan approval, loan terms, or funding for any commercial financing request.