Alberto Cruz • NMLS 484297 • Lovera Home Loans • Nexa Mortgage  |  Equal Housing Opportunity

Terms of Use

Last Updated: April 21, 2026

By accessing golovera.com, you agree to the following terms.

1. Use of Website

This website is for informational purposes only and does not constitute a commitment to lend.

You agree not to:

  • Use the site for unlawful purposes
  • Attempt to gain unauthorized access
  • Misuse any content or data

2. No Financial Advice

Information provided is general in nature and should not be considered financial, legal, or tax advice. You should consult appropriate professionals before making decisions.

3. Accuracy of Information

We strive for accuracy but do not guarantee that all information is complete or current.

Rates, terms, and availability are subject to change without notice.

4. Intellectual Property

All content on this site is the property of Lovera Home Loans and may not be copied or reproduced without permission.

5. Limitation of Liability

We are not liable for:

  • Any damages arising from use of this website
  • Decisions made based on website content

6. Third-Party Services

We may link to third-party tools or services. We are not responsible for their content or functionality.

7. Governing Law

These terms are governed by the laws of the State of Florida.

Lovera Home Loans Icon
Alberto Cruz
Mortgage Strategist

Helping families and investors build wealth through smart mortgage strategy. Not a rate machine — a trusted advisor.

EHO
Equal Housing Opportunity

Alberto Cruz | NMLS ID 484297 | Lovera Home Loans | Nexa Mortgage LLC | NMLS ID 1660690

All loan estimates and calculator results are for informational purposes only and are not a commitment to lend. Rates, terms, and availability are subject to change without notice and may vary based on creditworthiness and other factors. Not all applicants will qualify.

© 2026 Alberto Cruz. All rights reserved.