Broker and licensing information

Jerome David Webb · California DRE real estate broker license #01214337.
Individual NMLS ID #870738 · Company NMLS ID #2447896.
The DRE record lists the licensed business name as Niche Lending.
jeromewebb@nichelending.org

NMLS identifiers do not by themselves establish current licensing authority. Consult the official records for current license status, authorized activities and jurisdictions. Services are available only where the required licenses and approvals are in effect.

Loan information and lender decisions

This website provides general educational information about mortgage options. It is not a commitment to lend, a guaranteed loan offer, a rate lock, or a determination of eligibility. Program descriptions and examples are illustrative and may not apply to your circumstances.

A licensed mortgage loan originator can explain available products and eligibility requirements, but discussing options does not constitute preapproval, loan approval, or a commitment to lend. The lender makes the final loan approval decision after underwriting and verification, subject to applicable program and closing conditions. Each lender applies its own eligibility rules and underwriting requirements, subject to applicable law. One lender may approve an application that another declines. Decisions may depend on verified income, employment, credit, debts, assets, property, appraisal, loan purpose and other program requirements. No approval, loan amount, interest rate, payment, savings, closing date or funding is guaranteed.

Any preliminary qualification or preapproval remains subject to its stated conditions, verification, lender review and applicable closing requirements. Changes in your finances, the property, program availability or other relevant circumstances may affect the outcome. Rates, fees, terms and programs may change; any binding rate lock is governed by its written agreement. Review your official lender disclosures and final loan documents before deciding.

Program-specific considerations

Purchase, refinance, home equity, investment, conventional, FHA and VA financing have different requirements and costs. FHA insurance or a VA guaranty does not guarantee that a borrower will be approved. Government-program references do not imply government endorsement of this business.

Refinancing may involve closing costs, extend the repayment period, or increase total borrowing costs even if a monthly payment is lower. Home equity loans and HELOCs are secured by your home; failure to repay may lead to foreclosure. HELOC rates and payments may change under the loan agreement. Discuss the costs and risks of a particular product with a licensed mortgage professional.

Contact requests and mortgage applications

The “See My Options” questionnaire provides a general next step, not an automated qualification decision. Sending its contact form asks Jerome to respond personally by the contact method you select. Personal text-message follow-up is requested only when you select Text message and check the permission box. Message and data rates may apply. You may reply STOP or otherwise tell Jerome to stop texts. Email and phone-call options are available without text consent. This form does not authorize automated texts, automated or prerecorded calls, or unrelated marketing. It does not submit a completed mortgage application, authorize a credit report, or give consent to electronic mortgage disclosures. Mortgage applications, credit-report authorizations and electronic-disclosure consent will be handled separately through the separate borrower application platform.

The contact form sends the provided contact details, goal, timing, selected contact method, consent wording, any text-message disclosure shown, notice version, and browser-supplied submission time through our form-processing and email service providers to Niche Lending for inquiry follow-up. The credit-range answer is not sent with that form. See the Inquiry Privacy Notice for the scope of this inquiry form. Do not include Social Security numbers, account numbers, financial documents or other sensitive information in contact inquiries. A consultation or closing date is not confirmed until expressly arranged.

Information, consumer rights and responsibility

General website information is not individualized legal, tax or financial advice. Confirm current product requirements and obtain advice appropriate to your circumstances. Third-party websites, services and information are governed by their own terms and policies.

These notices do not waive any consumer rights, required disclosures, fair-lending protections, or remedies under applicable law, and do not excuse unlawful conduct. They do not replace the disclosures or agreements required for an actual mortgage transaction.

Copyright and permitted use

Original website content, protectable elements of the commercial, and original recorded narration may be protected by copyright. Rights belong to their respective rights holders. Third-party music, footage, images, software and other licensed materials remain subject to their owners’ rights and license terms; their appearance here does not grant a license to reuse them. No exclusive copyright is claimed in purely AI-generated material, public-domain content, facts or other unprotectable material.

Unless the relevant rights holder gives permission or the law allows the use, do not reproduce, redistribute, republish, sell, or create derivative works from protected content, including the commercial or its recorded narration. This notice preserves lawful exceptions, including fair use; it does not mean that every instance of copying is unlawful. Displaying a copyright notice does not itself register a copyright.

Recorded voice and likeness

No permission is granted to extract, commercially reuse, clone, synthesize or impersonate the narrator’s recorded voice, or to imply the narrator’s or Jerome Webb’s endorsement, without the affected person’s prior written consent, except as permitted by applicable law. Requests to reuse the commercial, narration or other protected materials must obtain permission from every relevant rights holder. Copyright in a recording is distinct from rights relating to a person’s voice or likeness.

For questions or permission requests, contact jeromewebb@nichelending.org or email Jerome.