Terms

Terms & Conditions

1. Terms & Conditions of Use

By accessing this website, you agree to these Terms and Conditions of Use, as updated by Stairway Mortgage, a Division of NEXA Mortgage LLC (“Stairway Mortgage”). If you do not accept these terms, please discontinue use immediately.

Eligibility: You must be at least 18 years old and a U.S. resident to use this website or any services provided.

2. Limited Use License
   You are granted a limited, non-transferable license to use this website solely for mortgage-related services.
   Unauthorized copying, reselling, or redistribution of website content is strictly prohibited.
3. Proprietary Rights
   All website content—including text, images, data, software, and trademarks—is protected under U.S. and international copyright laws.
   Your use of this website does not transfer ownership rights of any intellectual property belonging to Stairway Mortgage.
4. Disclaimers
   This website is provided “as is” without warranties of any kind. Stairway Mortgage makes no guarantees regarding:

• The accuracy or reliability of content.
• The availability or uninterrupted operation of the website.
• The website’s ability to meet your specific needs.

Use of this site is at your own risk.

5. Limitation of Liability
   Stairway Mortgage is not liable for any direct, indirect, incidental, or consequential damages resulting from your use of this website.
   Your sole remedy is to discontinue use of the website.
6. Jurisdiction & Legal Venue
   These terms are governed by U.S. law.
   Any legal disputes must be resolved in the state or federal courts where Stairway Mortgage’s principal office is located.
7. Indemnification
   You agree to indemnify and hold harmless Stairway Mortgage, its affiliates, officers, employees, and agents from any claims, liabilities, or legal fees arising from:

• Your use of the website.
• Any violation of these Terms.
• Infringement of third-party rights.

8. COPPA Compliance
   This website is not intended for individuals under 18.
   Parents can use filtering software to restrict access.
   See our Privacy Policy for details on data protection.
9. Technology Export Control
   Users must comply with U.S. export laws and not transmit restricted software or technology to unauthorized individuals or foreign entities.
10. Service Changes & Interruptions
    Stairway Mortgage reserves the right to:

• Modify, suspend, or discontinue the website or services at any time without notice.
• Not be held responsible for service interruptions.

11. Third-Party Links
    This website may include links to third-party sites for convenience.
    Stairway Mortgage does not endorse or take responsibility for their content or policies.
    Access third-party sites at your own risk.
12. Copyright Infringement Claims
    If you believe your copyrighted material has been used without permission, submit a detailed notice to:

Legal Department – Stairway Mortgage, a Division of NEXA Mortgage LLC
3100 W Ray Road #201, Office #209, Chandler, AZ 85226
info@nexamortgage.com
(602) 344-9333

Your claim must include:

• Your name & contact details.
• A sworn statement that you own the copyright or are authorized to act on behalf of the copyright owner.

Product-Specific Disclosures

• FHA, VA, & USDA Loans: Subject to underwriting approval and specific program restrictions. Contact us for details.
• Reverse Mortgages: Require approved counseling. Homeowners remain responsible for taxes & insurance.
• HELOC Products: Failure to repay may result in foreclosure.

Vulnerability Disclosure Policy
We prioritize security and employ protections like encryption and firewalls.
To report security vulnerabilities, email info@nexamortgage.com with “Vulnerability Disclosure” in the subject line.

Compliance with State-Specific Notices
Texas Residents: Consumers can file complaints with the Texas Department of Savings and Mortgage Lending at:
2601 N. Lamar, Suite 201, Austin, TX 78705
Visit www.sml.texas.gov

Equal Housing Opportunity
Stairway Mortgage is an Equal Housing Lender and complies with federal laws prohibiting discrimination based on:

• Race, color, religion, national origin, sex, marital status, age
• Public assistance income sources
• Consumer Credit Protection Act rights

Disclaimer: Loan programs may change without notice. Borrowers must meet program eligibility requirements.

“Refi 36” Terms and Conditions

Offer to Refinance Once Within 36 Months of Closing Date

1. Offer Overview

Stairway Mortgage (“Stairway”) offers qualified customers up to $2,500 in lender-paid credits when refinancing a first-lien purchase or refinance mortgage loan (“Mortgage Loan”) with Stairway within 36 months of the original closing date.

Eligibility begins after 180 days from the original funding date.
Note: This offer is valid only through a Stairway Mortgage branch of NEXA Mortgage LLC and cannot be redeemed through any other NEXA Mortgage branch, team, or affiliate.

2. Covered Fees

Lender credits may be applied toward the following eligible fees:

Included Fees:

• Lender’s & Owner’s Title Insurance
• Appraisal (including second appraisal, re-inspection, and recertification)
• Flood Certification
• Credit Report
• Settlement Fees (including notary, recording, transfer taxes, government fees, deed preparation, courier, and endorsements)

Excluded Fees:

• Discount Points
• Any cash back to the borrower

3. Eligibility Requirements

To qualify for the “Refi 36” offer, customers must:

• Be a U.S. citizen, permanent resident, or eligible non-permanent resident refinancing a primary residence in a state where Stairway is licensed.
• Have closed their Mortgage Loan with Stairway between January 1, 2025, and December 31, 2030.
• Refinance their Mortgage Loan with Stairway within 36 months of the original closing date.
• Notify their Loan Consultant before locking their refinance rate.

4. Additional Terms

• One-Time Use: Offer is limited to one refinance transaction and may not be combined with other promotions.
• No Cash Value: Credits apply only toward Covered Fees and cannot be exchanged for cash or exceed actual costs.
• Subject to Approval: All applications require standard underwriting and credit approval.

5. Equal Housing and Compliance

Stairway Mortgage complies with all applicable federal fair lending laws and does not discriminate based on race, color, religion, national origin, sex, marital status, age, source of income, or rights under the Consumer Credit Protection Act.

Oversight by the Federal Trade Commission (FTC), Washington, DC, 20580.
Disclosure: This is not a commitment to lend. Please contact us for full details.

6. Policy Changes

Stairway Mortgage reserves the right to modify or discontinue this offer, promotions, or benefits at any time without prior notice. Rates, terms, and eligibility are subject to change and may vary by state.

Corporate Contact Information

Corporate Address
Stairway Mortgage, a Division of NEXA Mortgage LLC

5559 S Sossaman Rd, Bldg 1 Ste 101 Mesa, AZ 85212

(602) 344-9333
info@nexamortgage.com