Terms and Conditions
 

Effective Date: October 25, 2025
Website: [www.NewDestinyMortgage.com]
 

Welcome to New Destiny Mortgage (“we,” “our,” or “us”). By using our website, you agree to comply with and be bound by the following Terms and Conditions. Please read them carefully before using this site.

If you do not agree with these terms, you should not use this website.
 

1. Use of This Website
 

This website is intended to provide general information about mortgage loans, financing programs, and related services offered by New Destiny Mortgage.

Use of this website does not create a client, borrower, or agency relationship between you and New Destiny Mortgage.

You agree to use this website only for lawful purposes and in accordance with these Terms and Conditions.
 

2. No Guarantee of Loan Approval
 

Information provided on this site is for informational purposes only and does not constitute a commitment to lend, a loan approval, or an offer of credit.
All loans are subject to credit approval, property appraisal, and underwriting guidelines. Loan terms, rates, and conditions may vary and are subject to change without notice.
 

3. Licensing Information
 

New Destiny Mortgage operates as a licensed mortgage brokerage in the State of Florida.

• NMLS ID: [insert your NMLS number here]

• State License: [insert Florida Mortgage Broker License number]

We comply with all federal, state, and local lending regulations, including the Equal Credit Opportunity Act (ECOA), Fair Housing Act, and Fair Credit Reporting Act (FCRA).
 

4. Intellectual Property Rights
 

All website content — including text, graphics, logos, and other materials — is the property of New Destiny Mortgage or its licensors and is protected by U.S. copyright and trademark laws.
You may not copy, reproduce, or distribute any material from this site without written permission.
 

5. External Links
 

This website may include links to third-party websites or resources.
New Destiny Mortgage is not responsible for the content, accuracy, or privacy practices of those external sites.
Visiting external sites is at your own risk.
 

6. Privacy Policy
 

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and safeguard your information.
By using this site, you also agree to the terms of our Privacy Policy.
(If you haven’t created one yet, I can write that next — it’s required by law for mortgage websites.)
 

7. Disclaimer of Warranties
 

All information on this site is provided “as is” and “as available.”
We make no warranties, express or implied, regarding the accuracy, completeness, or reliability of any content or materials provided.

We do not guarantee that this website will always be available or free of errors, viruses, or other harmful components.
 

8. Limitation of Liability
 

New Destiny Mortgage, its officers, employees, and affiliates shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this website or reliance on any information provided herein.
 

9. Governing Law
 

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles.
Any disputes shall be handled in the appropriate courts located in Florida.
 

10. Changes to These Terms
 

We may update or revise these Terms and Conditions from time to time without prior notice.
The latest version will always be posted on this page with the updated effective date.
 

11. Contact Us
 

If you have any questions about these Terms and Conditions, please contact us:

New Destiny Mortgage
Email: info@newdestinymortgage.com
Phone: (813) 991-1166
Address: Land O Lakes, FL 34637