Terms & Conditions

By accessing or using this website, you agree to these Terms and Conditions and to our Privacy Policy. If you do not agree, please do not use this website.

This website is operated by Xavier Alcala, Mortgage Loan Originator (NMLS #1700588), powered by Independence Home Loans (NMLS #2524174). We provide mortgage consultation, purchase, refinance, VA, and investor loan services, with the ability to serve clients in Arizona and nationwide where licensed.

Content on this website is for general informational purposes and does not constitute a commitment to lend, an offer of credit, financial, legal, or tax advice, or a guarantee of loan approval, rates, or terms.

When you submit your information through any form on this website, you expressly consent to receive telephone calls and text messages from Xavier Alcala and Independence Home Loans, including via automatic telephone dialing systems and artificial or prerecorded voice, at the phone number you provide, for informational and marketing purposes related to your inquiry.

This consent applies regardless of whether your number appears on any Do Not Call registry. Consent is not a condition of purchase, and you may obtain services without agreeing to marketing communications.

Message and data rates may apply. Message frequency varies.

You may opt out at any time: reply STOP to any text message, or contact us at (602) 584-7463 to stop calls or emails. We will process opt-out requests promptly.

The mortgage calculator and any payoff, savings, or amortization results it produces are estimates for illustration only. They are based on the figures you enter and standard assumptions, and do not reflect actual lender pricing, escrow, taxes, insurance, HOA dues, mortgage insurance, or any specific loan program.

Actual rates, payments, and terms can only be determined through a formal loan application and are subject to credit approval, property evaluation, and program guidelines.

All content on this website, including text, graphics, logos, and design, is the property of Xavier Alcala or its licensors and may not be reproduced without written permission.

This website may link to third-party sites or services. We are not responsible for the content, accuracy, or privacy practices of those sites.

To the fullest extent permitted by law, Xavier Alcala and Independence Home Loans are not liable for any indirect, incidental, or consequential damages arising from your use of this website or reliance on its content, including calculator estimates.

These Terms are governed by the laws of the State of Arizona, without regard to conflict of law principles.

We may update these Terms and Conditions at any time. The effective date below reflects the current version, and continued use of the website constitutes acceptance of any changes.