Regulatory Disclosures

Company Information

Detail

NexWin Capital Corp.

Founded

Orange County, California

NMLS ID

2743839

Website

nexwincapital.com

Email

funding@nexwincapital.com

Federal Regulations

• Truth in Lending Act (TILA) / Regulation Z

  Loan Estimate provided within 3 business days of application. Closing Disclosure provided 3 days before consummation.

• Real Estate Settlement (RESPA) / Regulation X

  Standardized settlement cost disclosures. No prohibited kickbacks.

• Equal Credit Opportunity Act (ECOA) / Regulation B

  No discrimination based on protected characteristics. Loans evaluated on creditworthiness and lending criteria.

• Gramm-Leach-Bliley Act (GLBA)

  Administrative, technical, and physical safeguards protect nonpublic financial information.

• Fair Credit Reporting Act (FCRA)

  Credit reports obtained only with authorization for legitimate business purposes.

• FTC Safeguards Rule

  Written security programs, encryption, audits, and employee training required.

California Regulations

• California Residential Mortgage Lending Act (CRMLA)

  Specific borrower disclosures required within 3 days of application.

• California Consumer Privacy Act (CCPA) / CPRA

  California residents have rights to know, delete, correct, and opt-out. Effective January 1, 2026, includes automated decision-making disclosures.

• Department of Financial Protection & Innovation (DFPI)

  Licensed by the California Department of Financial Protection and Innovation under the California Financing Law. DFPI License No. 60DBO-211586. Complaints may be filed at dfpi.ca.gov.

Lending Disclosures

• Pre-Application

  Website information is for informational purposes only. Not an offer to lend, commitment, or pre-approval. Actual terms determined after evaluation.

• Loan Disclaimer

  Approval not guaranteed. Subject to credit analysis, appraisal, underwriting, and final decision. Terms vary by qualification, credit, collateral, and market conditions.

• Information Accuracy

  Website may contain unintentional errors. We do not guarantee accuracy or completeness. Rates and terms subject to change.

Data Security

• EncryptionAES-256 encryption for data in transit and at rest
• Access ControlsMulti-factor authentication and role-based access
• AuditsRegular security audits and penetration testing
• TrainingEmployee education on data protection

Service Providers

We work with third parties to deliver our services. All are contractually obligated to protect your information:

• Credit reporting agencies and bureaus
• Licensed appraisers and valuators
• Title companies and insurers
• Underwriting and processing services
• Property and flood insurance providers

Equal Opportunity Lender

We do not discriminate based on race, color, religion, national origin, sex, sexual orientation, gender identity, marital status, age, disability, source of income, or other protected characteristics.

License Verification

Verify our license, business history, and any disciplinary actions through NMLS Consumer Access and the California DFPI:

Lookup

www.nmlsconsumeraccess.org

License

NMLS ID: 2743839

Additional disclosures

• Appraisal Rights

  Free copies of all appraisals and valuations used in your loan application, provided promptly upon request.

• Document Retention

  Loan documents and disclosures retained for minimum 3 years per California law. Copies available upon request.