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Terms & Conditions

Last Updated: June 1, 2026

Welcome to the website of Fortress Mortgage Advisors. By using this site, you agree to comply with and be bound by the following terms and conditions. Please review them carefully. If you do not agree with these terms, you should not use this website.

General Information Disclaimer

The content provided on this website is for informational purposes only and is not intended as legal, financial, or professional advice. All mortgage products, terms, rates, and conditions discussed are subject to change without notice and are not guaranteed unless specified in a written agreement signed by Fortress Mortgage Advisors and the client.

Loan Program Disclosures

Fortress Mortgage Advisors offers a variety of mortgage loan products. Each product is subject to specific underwriting criteria, approval processes, and documentation requirements, which may vary based on borrower eligibility, property type, and location.

Product-Specific Disclaimers

  1. Conventional, FHA, VA,  and ARM Loans: Subject to credit approval. Not all applicants will qualify. ARM loans include variable interest rates that may increase over time.

  2. FHA 203(k) Renovation Loans: Borrowers must meet FHA eligibility guidelines. Final loan approval is contingent on a completed renovation plan and appraisal.

  3. VA Loans: Available only to eligible veterans, service members, and certain surviving spouses. A Certificate of Eligibility (COE) is required.

  4. Non-QM and DSCR Loans: These programs are not eligible for sale to Fannie Mae or Freddie Mac. They are intended for borrowers with unique financial profiles and may carry higher interest rates and fees.

  5. Cash-Out Refinance Loans: Availability is subject to sufficient equity in the property and market value as determined by an appraisal.

  6. FHA Streamline Loans: Available only to existing FHA borrowers. No appraisal or income verification may be required, depending on current guidelines.

  7. Home Equity Refinance Loans: Subject to equity and credit qualifications. The borrower’s home serves as collateral.

  8. Mixed-Use and Commercial Loans: May require business documentation, lease agreements, and zoning approvals. Terms will vary based on the complexity and use of the property.

Interest Rate and APR Disclosure

Interest rates and Annual Percentage Rates (APR) mentioned are for illustrative purposes only. Final rates are subject to underwriting approval, credit profile, loan type, and market conditions at the time of rate lock. Rates are not guaranteed until locked in writing.

Third-Party Fees

All refinance and purchase transactions may include third-party fees such as appraisal fees, title charges, recording fees, and escrow services. These are not included in any discount or promotional offer unless specifically stated.

Equal Housing Opportunity

Fortress Mortgage Advisors is an Equal Housing Lender. We do not discriminate based on race, color, religion, national origin, sex, handicap, or familial status in the granting of credit.

Licensing Information

Fortress Mortgage Advisors is licensed to originate mortgage loans in multiple states. Licensing details are available upon request or by visiting the NMLS Consumer Access website.

NMLS ID: #2667617, #3542
Licensed in the following states: New Jersey, Pennsylvania, Florida, New York, North Carolina

Limitation of Liability

Fortress Mortgage Advisors will not be held liable for any errors, omissions, or delays in the information provided on this website or for any actions taken in reliance on such information. All mortgage decisions should be made in consultation with a licensed mortgage professional and financial advisor.

Privacy Policy

Please refer to our Privacy Policy for information on how we collect, use, and protect your personal information.

Changes to Terms

Fortress Mortgage Advisors reserves the right to modify these Terms and Conditions at any time without prior notice. Continued use of this site constitutes your acceptance of any changes.

Contact Us

If you have any questions about these Terms and Conditions, please contact us at:
Email: info@fortressmortgageadvisors.com
Phone: 888-973-4791

Address: 250 Pehle Avenue, Saddle Brook, NJ 07663

Jet Direct Funding Corp. d/b/a Fortress Mortgage Advisors | NMLS #3542 | Saddle Brook, NJ Branch NMLS #2667617

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Park 80 West, Plaza One, 250 Pehle Avenue, Suite 205, Saddle Brook, NJ 07663

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Fortress Mortgage Advisors Branch Licenses & Registrations: Connecticut – ML-BCH-2667617; Florida – MLDB24222; New Jersey – Correspondent Residential Mortgage Lender Branch License; Pennsylvania – 47421.008.

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Additional State Licensing: Jet Direct Funding Corp., NMLS #3542, is licensed and/or registered to conduct mortgage lending activities in Alabama, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Maine, Maryland, Massachusetts, Michigan, New Jersey, New Mexico, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington, and Wisconsin.

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For financing needs outside the states served by the Fortress Mortgage Advisors Saddle Brook branch, you may be connected with a Jet Direct Funding Corp. Loan Officer who is appropriately licensed to conduct mortgage lending activities in your state. Loan Officer and product availability vary by state.

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Important Disclosure: This is not a commitment to lend. All loans are subject to credit, income, property, and other applicable underwriting requirements and approval. Loan programs, rates, terms, and conditions are subject to change without notice. Not all products, programs, or Loan Officers are available in all states or to all borrowers. Restrictions may apply. Contact a licensed Mortgage Loan Originator for information regarding available mortgage products and eligibility.

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Equal Housing Lender. For licensing and registration information, visit NMLS Consumer Access.

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