IMPORTANT LEGAL DISCLOSURES & FAIR HOUSING NOTICE
No Offer or Commitment. This website and all content, including but not limited to mortgage rate estimates, payment calculator outputs, loan program descriptions, and any text, images, or photographs of properties, is for general informational and educational purposes only. It does not constitute a commitment to lend, an offer to extend credit, a solicitation for a mortgage loan, or a guarantee of any loan terms, interest rate, or approval. All loan products are subject to borrower qualification, credit approval, property appraisal, underwriting guidelines, and final approval by the lender. Anna Kleopoulos and Loan Factory expressly disclaim any intent to make an offer of credit or to solicit any mortgage application from any person in any jurisdiction where such offer or solicitation would be unlawful.
No Reliance on Photos or Representative Images. This website may display photographs, illustrations, or depictions of houses, interiors, neighborhoods, or other real estate. These images are for illustrative and aspirational purposes only and do not represent any specific property available for financing, any actual loan transaction, or any guarantee that a borrower will qualify for a loan on any particular home. Property values, conditions, and availability vary. You should not rely on any image as a representation of any actual home, loan outcome, or financial result.
Rates, Terms, and Programs Subject to Change. All mortgage rates, annual percentage rates (APRs), loan terms, fees, closing costs, and loan program availability are subject to change without notice. Any rate or payment displayed or estimated by any calculator or tool on this site is an estimate only, based on assumptions that may not apply to your specific situation. Actual rates and terms will depend on your credit history, income, assets, down payment, property type, occupancy, loan-to-value ratio, debt-to-income ratio, current market conditions, and the specific lender's underwriting criteria. Anna Kleopoulos does not guarantee that any rate or payment shown will be available at the time of application or closing.
No Legal, Financial, or Tax Advice. Nothing on this website constitutes legal advice, financial advice, or tax advice. You should consult with your own qualified attorney, certified public accountant, or financial advisor regarding your specific circumstances. Mortgage financing decisions have long-term financial implications; seek independent professional guidance before making any commitment.
Equal Housing Opportunity & Fair Housing Compliance. Anna Kleopoulos and Loan Factory are committed to fair lending and equal housing opportunity. We do not discriminate on the basis of race, color, religion, national origin, sex, sexual orientation, gender identity, marital status, familial status (including children under 18 living with parents or legal custodians), disability, age, source of income, or any other characteristic protected by applicable federal, state, or local law. All loan products are offered without regard to the racial, ethnic, religious, or national origin composition of any neighborhood or geographic area. We comply with the Federal Fair Housing Act (42 U.S.C. 3601 et seq.), the Equal Credit Opportunity Act (ECOA), and all applicable state fair lending laws. Our advertisements and property photography do not indicate any preference, limitation, or discrimination based on protected characteristics. For questions or to report a fair housing concern, contact the U.S. Department of Housing and Urban Development (HUD) at (800) 669-9777 or visit hud.gov/fairhousing. Equal Housing Opportunity logo displayed on this site is a registered trademark of HUD and is used with compliance.
No Unlawful Solicitation. Anna Kleopoulos does not initiate contact with consumers via unsolicited telephone calls, text messages, or emails for the purpose of offering mortgage loans. Any communication initiated by Anna will be in response to an express inquiry or application submitted by the consumer. If you believe you have received an unsolicited communication from Anna, please report it immediately. This website does not constitute a solicitation for business in any state where Anna is not licensed. Anna is licensed in 48 states; a current list of licensed states is available on the State Licenses page.
Licensing and Regulatory Information. Anna Kleopoulos is a mortgage broker operating under Loan Factory, NMLS #2635220. Anna's individual NMLS #320841. For verification, visit nmlsconsumeraccess.org. California residents: Loans are arranged pursuant to California Financing Law License #60DBO-110501. Texas residents: For complaint information, contact Texas Department of Savings and Mortgage Lending at 1-877-276-5550 or sml.texas.gov. All residents: If you have a complaint about Anna Kleopoulos, you may contact your state's regulatory agency.
No Guarantee of Results. Past performance, including any client stories, testimonials, or loan closing examples on this website, does not guarantee future results. Every borrower's financial situation is unique. Anna Kleopoulos does not guarantee that you will obtain a loan, close on any specific timeline, or achieve any particular interest rate or payment. Your actual outcome may differ materially from examples provided.
Liability Limitation. To the fullest extent permitted by law, Anna Kleopoulos and Loan Factory shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website, any calculator or tool, any estimated rate or payment, or any reliance on information contained herein. You use this website at your own risk.
Governing Law and Venue. Any dispute arising from this website or your interactions with Anna Kleopoulos shall be governed by the laws of the State of Arizona, without regard to conflict of law principles, and exclusive venue shall be in Maricopa County, Arizona.
Acknowledgment. By using this website, you acknowledge that you have read, understood, and agree to be bound by these disclosures. If you do not agree, do not use this site.
Last Updated: April 17, 2026
