Terms governing use of this website

By accessing or using this website, you agree to these Terms & Conditions and our Privacy Policy. If you do not agree, do not use this site.

This website is operated by Prabhu Rangaraju DBA Nest Vibez doing business as Nest Vibez, Powered by Emortgage Capital (E Mortgage Capital, Inc, DBA E Mortgage Capital).

Prabhu Rangaraju is a Mortgage Broker, NMLS #2231790. E Mortgage Capital, Inc. is NMLS #1416824.

Principal office address: 3750 S Susan Street, Santa Ana, California 92704. Phone: +1 973-873-8332. Email: prangaraju@emortgagecapital.com.

Content on this website — including articles, calculators, rate illustrations, program descriptions, and downloadable reports — is provided for general informational and advertising purposes only.

Nothing on this website constitutes a loan offer, commitment to lend, pre-approval, pre-qualification, or guarantee of any rate, fee, APR, program, or closing timeline.

All mortgage loans are subject to credit approval, underwriting guidelines, property eligibility, appraisal, title, and other conditions. Not all borrowers or properties will qualify. Rates, terms, programs, and availability may change without notice and may not be available in all states.

This website is intended for individuals located in the United States who are at least 18 years of age (or the age of majority in their state).

You may use the site only for lawful purposes and in accordance with these Terms. You agree not to misuse the site, attempt unauthorized access, scrape content in a manner that harms site performance, or use the site to transmit harmful code.

Payment estimators and mortgage calculators are illustrative only. Results are hypothetical and may not reflect your actual payment, cash to close, escrow amounts, PMI, taxes, insurance, HOA dues, or interest over the life of a loan.

E Mortgage Capital, Inc. is not responsible for the accuracy of third-party data, assumed rates, APRs, or other inputs used in calculations. Always consult a licensed Mortgage Broker and review official Loan Estimates and Closing Disclosures.

Submitting a contact form, lead form, PDF report request, or inquiry does not create a lender-borrower relationship and is not a formal mortgage application under the Equal Credit Opportunity Act (ECOA) or Regulation B unless and until a completed application is accepted through our designated application process.

We may contact you by phone, email, or text (where permitted and subject to your consent) regarding your inquiry. Message and data rates may apply for SMS.

Website content is not legal, tax, accounting, or personalized financial advice. Mortgage decisions have significant consequences. Consider consulting independent professionals for advice tailored to your situation.

All trademarks, logos, text, graphics, and site design associated with Nest Vibez are owned by us or our licensors and are protected by applicable U.S. intellectual property laws.

You may view and print pages for personal, non-commercial use. You may not copy, modify, distribute, or commercially exploit site content without prior written permission, except as allowed by fair use or other applicable law.

This website may link to third-party sites (including social networks or application portals). We do not control and are not responsible for third-party content, privacy practices, or availability. Your use of third-party sites is at your own risk and subject to their terms.

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, TO THE MAXIMUM EXTENT PERMITTED BY LAW.

We do not warrant that the site will be uninterrupted, error-free, or free of harmful components.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, E MORTGAGE CAPITAL, INC., NEST VIBEZ, AND THEIR OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE.

Some jurisdictions do not allow certain limitations; in those cases, our liability is limited to the fullest extent permitted by law.

You agree to indemnify and hold harmless Nest Vibez / Emortgage Capital and related parties from claims arising out of your misuse of the site, violation of these Terms, or infringement of any right of a third party, to the extent permitted by law.

This website is for advertisement purposes only. We are not affiliated with any government agency. Equal Housing Opportunity.

By refinancing an existing mortgage, your total finance charges may be higher over the life of the loan. Debt consolidation into a mortgage may also result in higher total finance charges over the life of the loan.

Certifications for EMC Mortgage Brokers are internally issued by E Mortgage Capital and do not extend beyond the organization, except where otherwise required by law or regulation.

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles, except where federal law controls (including applicable federal mortgage and consumer-protection laws).

Any dispute arising from these Terms or the site shall be resolved in the state or federal courts located in Orange County, California, unless applicable law requires otherwise.

We may update these Terms from time to time. The “Last updated” date at the top of this page will change when we do. Continued use of the site after changes constitutes acceptance of the revised Terms, to the extent permitted by law.

Questions about these Terms: prangaraju@emortgagecapital.com or +1 973-873-8332. Mailing address: 3750 S Susan Street, Santa Ana, California 92704.