Legal Disclaimer

We hereby authorize you to view and print information on this website subject to it being used for informational and non-commercial purposes.

Not a Commitment to Lend

The information provided on the Close With Ciro website does not constitute a commitment to lend, a guarantee of loan approval, or a binding agreement. All loan applications are subject to credit approval, property appraisal, and other underwriting criteria as determined by Rize Mortgage and applicable investors.

Pre-qualification estimates provided on this website are for informational purposes only and are not a loan commitment. Actual terms may vary based on your specific financial situation, creditworthiness, and applicable program guidelines.

Rates Subject to Change

Interest rates, annual percentage rates (APRs), fees, and loan terms displayed on this website are subject to change at any time without notice. Rates shown are for illustrative purposes only and may not reflect the rate available to you at the time of application. Your actual rate will depend on various factors including, but not limited to:

• Credit score and credit history
• Loan-to-value ratio and property type
• Loan amount and loan program
• Property location and occupancy type
• Market conditions at the time of rate lock

Information for Educational Purposes

The content on this website, including mortgage calculators, loan program descriptions, and educational articles, is provided for general informational and educational purposes only. This information does not constitute financial, legal, tax, or accounting advice.

We recommend consulting with qualified professionals, including licensed attorneys, certified public accountants, and financial advisors, before making any financial decisions or entering into any mortgage transaction.

Equal Housing Lender

Rize Mortgage is an Equal Housing Lender. We comply with all federal, state, and local fair housing laws and do not discriminate based on race, color, religion, sex, handicap, familial status, national origin, sexual orientation, gender identity, or any other characteristic protected by applicable law.

If you believe you have been discriminated against in connection with a mortgage transaction, you may file a complaint with the U.S. Department of Housing and Urban Development (HUD) by calling 1-800-669-9777 or visiting www.hud.gov/fairhousing.

NMLS Information

Ciro Hernandez is a licensed Loan Officer registered with the Nationwide Multistate Licensing System (NMLS). You may verify our licensing information at any time:

• Ciro Hernandez – NMLS #581415
• Rize Mortgage – NMLS #1604663

Visit NMLS Consumer Access to verify licensing details.

State Licensing

Rize Mortgage and Ciro Hernandez are licensed to originate mortgage loans in the following states: New Jersey, Florida, Pennsylvania, and South Carolina. Services are only available to residents of states where we are properly licensed.

Products and services described on this website may differ among geographic locations and may not be available in all states. Not all products and services are offered at all locations.

Copyright and Usage Rights

Please use this document and information at your own risk. The content of this site is copyrighted and therefore any unauthorized use of any materials on this website may violate copyright, trademark, and other laws.

Materials on this website may not be modified, reproduced, publicly displayed, distributed, or performed for any public or commercial purposes without our prior written approval.