Luma Lending NMLS #2682683 – Terms of Use & Terms of Service
Effective Date: September 1, 2025
Welcome to Luma Lending, NMLS #2682683. By accessing our website or using our services, you agree to the following Terms of Use and Terms of Service ("Terms"). Please read them carefully. If you do not agree, please do not use this website or our services.
1. About Luma Lending
Luma Lending, NMLS ID #2682683, provides mortgage lending and related financial services. Information provided on this website is for educational and informational purposes only and does not constitute a commitment to lend, a loan approval, or financial advice.
2. Website Use
By using our website, you agree to:
Use the website only for lawful purposes.
Not engage in any conduct that may harm, disable, or impair our site or interfere with others’ use.
Not attempt to gain unauthorized access to any part of the website or related systems.
We reserve the right to restrict or terminate access to the website for any user who violates these Terms.
3. Intellectual Property
All content on this website — including text, graphics, logos, and software — is the property of Luma Lending or its licensors and is protected by applicable copyright, trademark, and other intellectual property laws. Unauthorized use, reproduction, or distribution of this content is strictly prohibited.
4. No Guarantee of Results
Use of this website or submission of information through our forms does not guarantee loan approval or any specific loan terms. Loan approvals are subject to underwriting guidelines, credit approval, property approval, and other conditions.
5. Disclosures and Advertising Compliance
When we advertise mortgage products or share rate information, we clearly disclose key terms, including but not limited to:
APR (Annual Percentage Rate)
Loan Product Disclaimers (e.g., fixed vs. adjustable rates, down payment requirements)
Terms and Conditions of advertised offers, when applicable
All rates, terms, and offers are subject to change without notice and may vary based on borrower qualifications, credit profile, and property location.
6. Limitation of Liability
Luma Lending, its officers, employees, and agents will not be liable for any direct, indirect, incidental, or consequential damages arising from:
Use or inability to use our website
Decisions made based on website information
Technical errors, interruptions, or unauthorized access to our systems
7. Third-Party Links
Our website may contain links to third-party websites. These links are provided for your convenience only. We are not responsible for the content, security, or privacy practices of third-party sites.
8. Privacy
Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information.
9. No Legal or Financial Advice
Information on this website is provided for general informational purposes only and should not be considered legal, tax, or financial advice. Please consult a qualified professional for guidance on your specific situation.
10. Governing Law
These Terms are governed by and construed under the laws of the state of Kentucky and the state of Ohio, without regard to its conflict of law provisions.
11. Changes to These Terms
We may update these Terms at any time. Updated Terms will be posted on this page with the revised effective date. Continued use of our website or services after changes are posted means you accept those changes.
12. Contact Us
If you have questions about these Terms, please contact us at:
Luma Lending
Email: laiken@lumalends.com
Phone: 606-922-2648
Address: 2824 Holt St., 1st Floor, Ashland, KY 41101