Terms of Use
Last Updated: 23 June 2026
This website is operated by Joshy Abraham, a licensed California REALTOR® and Mortgage Loan Originator (MLO),
and is intended for general informational and marketing purposes only.
By accessing or using this website, submitting any form, clicking any contact button, or otherwise interacting
with this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.
If you do not agree, you must discontinue use of this website.
Nature of Services
This website provides general information regarding real estate and mortgage financing services.
Real estate and mortgage services provided under Loan Factory Inc by Joshy Abraham may be used separately or together at the consumer’s discretion.
No content on this website creates any obligation to provide services, enter into a transaction,
or establish any client, broker, lender, or agency relationship.
Licensing Information
Joshy Abraham is a California licensed REALTOR® (CA DRE #02441848) and Mortgage Loan Originator (NMLS #2542280).
Real estate and Mortgage services are provided under Loan Factory Inc. (NMLS #320841, CA DRE #01771313).
MOSO Real Estate is a DBA of Loan Factory Inc.
No Agency Relationship
Use of this website does not create a broker-client, lender-borrower, fiduciary, or agency relationship.
Such relationships are only formed through executed written agreements.
No Guarantees
All loan programs, interest rates, approvals, and real estate outcomes are subject to lender guidelines,
underwriting review, credit approval, appraisal, and verification of information.
No guarantees are made regarding any outcome.
Electronic Communication & Consent
By submitting information or interacting with this website, you consent to be contacted by Joshy Abraham
and/or Loan Factory Inc. via phone, text message, or email, including automated systems where permitted by law.
Consent is not required to purchase any service. Message and data rates may apply.
You may opt out at any time.
Limitation of Liability
To the fullest extent permitted by law, Joshy Abraham, Loan Factory Inc.,
and their affiliates, officers, employees, and agents shall not be liable for any direct, indirect,
incidental, consequential, special, or punitive damages arising out of or related to your use of this website,
reliance on its content, or inability to access services.
All information is provided “as is” and without warranties of any kind, either express or implied,
including but not limited to accuracy, completeness, reliability, or suitability for any purpose.
Equal Housing Opportunity
We are committed to Equal Housing Opportunity and comply with all applicable fair housing laws.
Website Updates
We may update these Terms of Use at any time without prior notice. Continued use of this website
constitutes acceptance of any changes.
Contact
Email : joshy+terms@tryjos.com
