Terms & Conditions

Feria Financial, LLC Last Updated: July 6, 2026

Welcome to the website of Feria Financial, LLC (“Feria Financial,” “we,” “us,” or “our”), located at www.feriafinancial.com (the “Site”). These Terms & Conditions (“Terms”) govern your access to and use of the Site and any services, content, features, or communications made available through it. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Site.

1. About Feria Financial

Feria Financial, LLC is a licensed mortgage company headquartered at 10600 Timberwood Cir, Suite 7, Louisville, Kentucky 40223. Corporate NMLS ID: 2226474. We are licensed to provide mortgage services in the states of Kentucky, Indiana, Florida, Texas, Michigan, Louisiana, and Georgia. You may verify our licensing information through the NMLS Consumer Access website at www.nmlsconsumeraccess.org.

Feria Financial, LLC is an Equal Housing Opportunity provider. We do business in accordance with the Federal Fair Housing Act and the Equal Credit Opportunity Act.

2. No Offer or Commitment to Lend

The content on this Site is provided for general informational purposes only and does not constitute an offer to lend, a loan approval, or a commitment to extend credit. All loan programs, rates, terms, and conditions described on the Site are subject to change without notice, subject to credit approval, underwriting requirements, and applicable state and federal regulations, and may not be available in all states or to all applicants. Nothing on this Site constitutes financial, legal, or tax advice. You should consult your own qualified advisors before making any financial decision.

3. Eligibility

The Site is intended for use by individuals who are at least 18 years of age and reside in the United States. By using the Site, you represent and warrant that you meet these requirements.

4. SMS / Text Messaging Terms

By providing your mobile phone number and opting in through our website forms, loan application, or other enrollment methods, you expressly consent to receive recurring automated marketing and informational text messages (SMS/MMS) from Feria Financial, LLC, including messages about loan products, rate updates, promotions, events, appointment reminders, and updates regarding your inquiry or application.

• Consent is not a condition of purchase. You are not required to agree to receive marketing text messages in order to obtain any loan, product, or service from Feria Financial, LLC.
• Message frequency varies. The number of messages you receive will depend on your interactions with us and the campaigns you are enrolled in.
• Message and data rates may apply. Standard messaging and data rates charged by your mobile carrier may apply to messages sent and received.
• Opt-out: You can cancel at any time by replying STOP to any message. After you send STOP, we will send a final message confirming your unsubscription, and you will no longer receive SMS messages from us. To rejoin, sign up again through our opt-in methods.
• Help: For assistance, reply HELP to any message, email us at info@feriafinancial.com, or call (502) 749-3393.
• Carriers are not liable for delayed or undelivered messages.
• Privacy: Your mobile information will be handled in accordance with our Privacy Policy. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

5. Loan Applications and Information You Submit

When you submit an inquiry, book an appointment, subscribe to our newsletter, or begin a loan application through the Site or through linked third-party application platforms, you agree to provide information that is true, accurate, current, and complete. Submitting an inquiry or application does not guarantee approval. You are responsible for maintaining the confidentiality of any login credentials associated with your account or application portal, and you accept responsibility for all activity that occurs under them.

6. Permitted Use of the Site

You agree to use the Site only for lawful purposes. You agree not to: (a) use the Site in any way that violates applicable federal, state, or local law or regulation; (b) submit false, misleading, or fraudulent information; (c) attempt to gain unauthorized access to the Site, its servers, or any connected systems; (d) introduce viruses, malware, or other harmful code; (e) scrape, harvest, or collect information about other users; or (f) interfere with or disrupt the operation of the Site.

7. Intellectual Property

All content on the Site — including text, graphics, logos, images, videos, and software — is the property of Feria Financial, LLC or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws. You may view and print pages from the Site for your personal, non-commercial use only. Any other use, including reproduction, modification, distribution, or republication, without our prior written consent is strictly prohibited.

8. Third-Party Links and Services

The Site may contain links to third-party websites and services, including loan application platforms, scheduling tools, social media pages, and video content. These are provided for your convenience only. We do not control and are not responsible for the content, privacy practices, or terms of use of any third-party site. Your use of third-party sites is at your own risk and subject to their respective terms and policies.

9. Electronic Communications and Consent

By using the Site or providing us your contact information, you consent to receive communications from us electronically, including by email, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing, to the extent permitted by law.

10. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY INFORMATION ON THE SITE IS ACCURATE, COMPLETE, OR CURRENT.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, FERIA FINANCIAL, LLC AND ITS OWNERS, OFFICERS, EMPLOYEES, LOAN OFFICERS, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS RELATED TO THE SITE EXCEED ONE HUNDRED U.S. DOLLARS ($100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

12. Indemnification

You agree to indemnify, defend, and hold harmless Feria Financial, LLC and its owners, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your violation of these Terms or your misuse of the Site.

13. Governing Law and Venue

These Terms are governed by the laws of the Commonwealth of Kentucky, without regard to its conflict of law principles. Any dispute arising out of or relating to these Terms or the Site shall be brought exclusively in the state or federal courts located in Jefferson County, Kentucky, and you consent to the personal jurisdiction of those courts.

14. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the “Last Updated” date at the top of this page. Your continued use of the Site after any changes become effective constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.

15. Severability and Entire Agreement

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Feria Financial, LLC regarding your use of the Site.

16. Contact Us

If you have any questions about these Terms, please contact us:

Feria Financial, LLC 10600 Timberwood Cir, Suite 7 Louisville, Kentucky 40223 Phone: (502) 749-3393 Email: info@feriafinancial.com Corporate NMLS ID: 2226474 | NMLS Consumer Access: www.nmlsconsumeraccess.org

Feria Financial, LLC is an Equal Housing Opportunity provider.