Terms & legal information.

Educational information

The website provides general mortgage information and links to a third-party national rate index. It is not a loan offer, commitment to lend, approval, rate quote, or individualized legal, tax or investment advice. Actual options depend on your circumstances, the property and applicable lender requirements.

Estimates and program availability

The daily index is a national 30-year conforming benchmark, not an Auctus rate or personalized offer. The calculator uses the latest available index for its initial 30-year rate; edited rates and other terms are illustrative. Results are estimates and do not include every ownership or transaction expense. Availability, pricing and eligibility may change. Pre-approval is conditional; final approval is subject to underwriting.

Contact and applications

Preparing an email does not submit a mortgage application, schedule an appointment or authorize a credit inquiry. Complete the secure application when you are ready to provide financial information and review its separate disclosures.

Identity and licensing

Len Padilla, Senior Loan Originator, NMLS #1629006. Auctus Mortgage Solutions, NMLS #2743323. Verify current licensing and authorized activity through NMLS Consumer Access. No nationwide licensing is represented.

External links

Third-party websites operate under their own terms. Information on this website may be updated. Contact len.padilla@auctusms.com if you find an error.

Len Padilla is a mortgage loan originator. Mortgage services are provided through Auctus Mortgage Solutions. Review the lender’s terms of service for its own services.