Terms of Use
Last Updated: 23 July 2026
This website is owned and operated by Joshy Abraham, a licensed California REALTOR® and Mortgage Loan Originator (MLO). This is a personal professional website provided for informational purposes only and is not the official website of any real estate brokerage, mortgage brokerage, lender, or other affiliated company. All real estate services and mortgage loan origination services provided by Joshy Abraham are provided under the guidance and supervision of the applicable licensed brokerage with which Joshy Abraham is affiliated at the time such services are rendered. The applicable brokerage, licensing information, and other required disclosures are provided in the Licensing Information section of this page.
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.
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 the guidance and supervision of 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 applicable law, Joshy Abraham, Loan Factory Inc.,
and their respective affiliates, officers, employees, and agents shall not be liable
for any indirect, incidental, consequential, special, or punitive damages arising
from or related to your use of this website, reliance on website content, or inability
to access website services.
The information provided on this website is intended for general informational and
educational purposes only and is not a substitute for professional financial, legal,
tax, or real estate advice. Real estate and mortgage decisions involve individual
circumstances, and users should consult appropriate licensed professionals before
making decisions.
Nothing on this website creates a client relationship, guarantees results, or
constitutes a commitment to provide any
services unless established through appropriate agreements and disclosures.
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 Service & additional Communication support
We are committed to providing equal professional service to all clients and prospective clients without regard to race, color, religion, sex, disability, familial status, national origin, or any other characteristic protected by applicable federal, state, or local law.
To improve communication and understanding, we may also offer communication assistance in languages other than English. These language services are provided solely as a convenience and accommodation and do not limit or restrict the availability of our services to any individual.
All mortgage and real estate services we offer are available to every qualified prospective buyer, seller, homeowner, or borrower on an equal basis. The availability of additional optional communication in a particular language should not be interpreted as a preference, limitation, or eligibility requirement for any service.
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
