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Terms & Conditions

Last Updated: April 2026

By accessing and using this website, you accept and agree to be bound by the following terms and conditions. Please read them carefully before using this site.

Use of This Website

We authorize you to view and print information on this website subject to it being used for informational and non-commercial purposes only. The content of this site is copyrighted and any unauthorized use of any materials may violate copyright, trademark, and other applicable laws.

Materials on this website may not be modified, reproduced, or publicly displayed, distributed or performed for any public or commercial purposes without prior written approval from Val Garrow Loans / E Mortgage Capital, Inc.

Not a Commitment to Lend

The information contained on this website is not intended as an offer or solicitation for any mortgage product or any financial instrument. Nothing on this website constitutes a commitment to lend. All loan approvals are subject to underwriting guidelines, creditworthiness, and applicable federal and state regulations.

Rates, terms, and availability of programs are subject to change without notice and may vary based on individual qualifications and market conditions.

Accuracy of Information

The information on this website is believed to be reliable, but we do not warrant its completeness, timeliness, or accuracy. The information and materials contained on this website are subject to change without notice. Products and services described may differ among geographic locations, offices, and as a result of individual conditions.

Limitation of Liability

In no event will Val Garrow Loans or E Mortgage Capital, Inc. be liable for any loss or damage including, without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

Licensed States

Valeria Garrow (NMLS #2227289) is a licensed Mortgage Loan Originator in the following states: Nevada, Texas, Florida, Tennessee, and Arizona. E Mortgage Capital, Inc. (NMLS #1416824) is licensed in multiple states. Not all products and services are available in all states.

Third-Party Links

This website may contain links to third-party websites. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Professional Advice

It is our intention that data provided on this site is of a general nature. Our website does not represent an exhaustive treatment of subjects, nor is the information intended to constitute accounting, tax, legal, consulting or other professional advice. Prior to making any decision or taking any action, we recommend you contact qualified tax or legal advisors.

Governing Law

These terms shall be governed by and construed in accordance with the laws of the State of Nevada, without regard to its conflict of law provisions.

Changes to These Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website constitutes acceptance of the updated terms.

Contact Us

Val Garrow Loans | E Mortgage Capital, Inc. (NMLS #1416824)
170 South Green Valley Pkwy, Ste #300, Henderson, NV 89012
(725) 525-8772 | vgarrow@emortgagecapital.com

NMLS Consumer Access

© 2026 Val Garrow Loans | Valeria Garrow NMLS #2227289 | E Mortgage Capital, Inc. NMLS #1416824 | Licensed in NV · TX · FL · TN · AZ | NMLS Consumer Access