Privacy Policy & Terms of Service
Mortgage Loan Mike | NEXA Lending LLC
Last Updated: November 2, 2026
Privacy Policy
Mortgage Loan Mike | NEXA Lending LLC is committed to protecting your privacy and personal information.
Information Collection: We may collect your name, phone number, email address, mortgage inquiry details, financial information, and other information provided through our website.
Information Use: Information is used to respond to inquiries, provide mortgage services, process loan applications, schedule appointments, communicate updates, and comply with applicable laws.
Information Sharing: We may share information with authorized lenders, service providers, and business partners as permitted by law. We do not sell personal information.
SMS Privacy: No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging opt-in data and consent will not be shared with third parties, except aggregators and providers of text messaging services.
Data Protection: We use reasonable security measures to protect your personal information. You may contact us to request access, corrections, or deletion of information where permitted by law.
For additional information, please review NEXA's Privacy Policy: https://nexamortgage.com/privacy-policy/
Terms of Service & SMS Communications
By using our website, you agree to these Terms of Service.
Mortgage Services: We provide mortgage education, financing guidance, and assistance with mortgage applications. All financing is subject to lender approval, eligibility requirements, and applicable terms.
SMS Consent: By expressly opting in, you agree to receive text messages from Mortgage Loan Mike | NEXA Lending LLC regarding mortgage inquiries, appointment reminders, loan updates, and other service-related communications. Marketing or promotional texts will only be sent with appropriate separate consent.
Message Frequency: Message frequency varies based on your interactions and services requested.
Message Rates: Message and data rates may apply.
Opt-Out Instructions: Reply STOP at any time to unsubscribe from SMS communications.
Help: Reply HELP for assistance or contact us directly using the information below.
Consent: Consent to receive marketing text messages is not required to obtain mortgage financing or purchase services.
Carrier Disclaimer: Mobile carriers are not liable for delayed or undelivered messages.
Privacy: SMS consent and personal information are handled in accordance with our Privacy Policy.
Contact Information
Mortgage Loan Mike | NEXA Lending LLC
Mike Ratliff, Mortgage Advisor
NMLS #1711036
Winston Salem, North Carolina
Phone: 743-900-3011
Email: MRatliff@NEXALending.com