1. Agreement to Terms

These Terms of Use ("Terms") govern your access to and use of the website located at valzir.com ("Website") operated by Valzir LLC ("Valzir," "we," "our," or "us"), NMLS #2876198. By accessing or using our Website, you agree to be bound by these Terms. If you do not agree, please do not use our Website.

2. Company Information and Licensing

Valzir LLC is a licensed mortgage company:

NMLS Company ID: #2876198
Fannie Loyola, Loan Officer — NMLS #1132991
Marco Marín, Loan Officer — NMLS #2026688
Licensed by the Illinois Department of Financial and Professional Regulation (IDFPR)
Licensed in multiple states — verify at www.nmlsconsumeraccess.org

3. Not a Commitment to Lend

IMPORTANT MORTGAGE DISCLOSURE: The information provided on this Website, including loan program descriptions, interest rates, payment estimates, DSCR calculations, and qualification guidelines, is for general informational purposes only and does not constitute:

• A commitment to lend or an offer of credit
• A guarantee of loan approval or specific terms
• Legal, financial, tax, or investment advice
• A guarantee of available rates or programs

All loans are subject to credit approval. Not all applicants will qualify. Rates, terms, and program availability are subject to change without notice and may vary based on creditworthiness, property type, loan amount, and other factors. Contact a licensed loan officer for a personalized loan assessment.

4. Advertising Disclosure

This Website contains advertisements and promotional information about Valzir LLC's mortgage products and services. All advertising on this Website complies with applicable federal and state regulations including:

• Regulation Z (Truth in Lending Act — TILA)
• Regulation X (Real Estate Settlement Procedures Act — RESPA)
• Regulation B (Equal Credit Opportunity Act — ECOA)
• Federal Trade Commission (FTC) guidelines
• Illinois IDFPR mortgage advertising regulations
• NMLS advertising requirements

When interest rates or monthly payments are displayed as examples or estimates, they are for illustrative purposes only. Actual rates and payments will depend on your specific circumstances. APR (Annual Percentage Rate) is available upon request and will be disclosed in your Loan Estimate.

5. Equal Housing Opportunity

Valzir LLC is an Equal Housing Opportunity Lender. We conduct business in accordance with the Federal Fair Housing Act, the Equal Credit Opportunity Act, and all other applicable fair lending laws. We do not discriminate in the provision of or in the availability of financial assistance because of race, color, religion, national origin, sex, disability, or familial status.

6. Accuracy of Information

We strive to provide accurate and current information on this Website. However, we make no representations or warranties of any kind, express or implied, as to the completeness, accuracy, reliability, or availability of the information. Mortgage programs, interest rates, guidelines, and requirements change frequently. Always contact a licensed loan officer to verify current program availability and terms.

7. Calculator Disclaimer

The mortgage calculators provided on this Website, including the Monthly Payment Calculator and DSCR Calculator, are for educational and estimation purposes only. Results are not guaranteed and do not account for all costs associated with a mortgage, including but not limited to origination fees, closing costs, mortgage insurance, APR, and other charges. Do not make financial decisions based solely on calculator results.

8. Third-Party Links

Our Website may contain links to third-party websites for your convenience. We do not control, endorse, or assume responsibility for the content, privacy practices, or services of any third-party websites. Accessing third-party websites is at your own risk.

9. User Conduct

By using this Website, you agree not to:

• Use the Website for any unlawful purpose
• Submit false or misleading information
• Attempt to gain unauthorized access to any portion of the Website
• Interfere with the proper functioning of the Website
• Reproduce or distribute Website content without permission

10. Intellectual Property

All content on this Website, including text, graphics, logos, images, and software, is the property of Valzir LLC or its content suppliers and is protected by United States and international copyright laws. Unauthorized use is prohibited.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, VALZIR LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THIS WEBSITE OR RELIANCE ON ITS CONTENT. OUR TOTAL LIABILITY SHALL NOT EXCEED $100. Some states do not allow limitation of liability, so these limitations may not apply to you.

12. Privacy

Your use of this Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to conflict of law provisions. Any disputes shall be resolved in the courts of Illinois.

14. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of the Website after any changes constitutes acceptance of the new Terms.

15. Contact Information

For questions about these Terms of Use:

• Email: info@valzir.com
• Phone: (815) 499-5111
• NMLS Consumer Access: View License Information