Terms of Use

Last updated: September 11, 2026

Informational purpose

This website provides general mortgage and real-estate-financing information. It is not a commitment to lend, an approval, a rate lock, legal advice, tax advice or a substitute for advice based on your individual circumstances.

Loan availability

Loan programs, rates, costs, guidelines and eligibility requirements are subject to change and may vary by borrower, property, lender and jurisdiction. All financing is subject to application, verification, underwriting, acceptable collateral and applicable lender and regulatory requirements.

Accuracy and use

Avita Financial works to keep website information useful and current but does not warrant that every item is complete, error-free or suitable for a particular transaction. You are responsible for confirming current terms before acting on website information.

Third-party services

Links or tools provided by third parties are offered for convenience. Avita Financial does not control and is not responsible for third-party content, availability, security or privacy practices.

Permitted use

You may use this website for lawful personal and business-information purposes. You may not interfere with its operation, attempt unauthorized access, misuse its content or use it in a way that violates applicable law.

Licensing

Avita Financial, Inc., NMLS 1982357, CA DRE 01313346, provides California mortgage services. Florida mortgage services are provided by Nick Borisenko, MLO NMLS 1966071, through Kevin O Johnson LLC, NMLS 2319969, a Florida-licensed mortgage broker. Avita Financial, Inc. is not licensed as a Florida mortgage broker. Licensing may be verified through NMLS Consumer Access. Equal Housing Opportunity.