Legal Disclosures

Last Updated: October 26, 2026

Welcome to Treeside Financial. This page provides important information about our mortgage services, licensing, website content, consumer protections, and legal disclosures.

Mortgage products and services advertised through TreesideFinancial.com are offered through Treeside Financial a DBA of NEXA Mortgage, LLC (Company NMLS #1660690), an Equal Housing Lender.

1. Company Information & Licensing

Treeside Financial a DBA of NEXA Mortgage, LLC operates under the licensing and regulatory oversight applicable to NEXA Mortgage, LLC. Mortgage origination services are provided subject to applicable federal and state licensing requirements.

  • Business Name: Treeside Financial a DBA of NEXA Mortgage, LLC
  • Legal Company: NEXA Mortgage, LLC
  • Company NMLS ID: 1660690
  • Arizona Banker License: AZBK-2006218
  • Mortgage Loan Originator: James “Jim” Mucci
  • Individual NMLS ID: 138693
  • Corporate Address: 5559 S Sossaman Rd, Building 1, Suite 101, Mesa, AZ 85212
  • Website: https://treesidefinancial.com

Licensing and product availability vary by state. Mortgage services are offered only in jurisdictions where the company and applicable mortgage loan originator are authorized to conduct business.

Consumers can independently verify licensing information through NMLS Consumer Access.

2. Equal Housing Lender

Treeside Financial a DBA of NEXA Mortgage, LLC is an Equal Housing Lender committed to fair lending practices and equal access to mortgage financing.

We support compliance with all applicable federal and state fair lending laws and do not engage in prohibited discrimination based on race, color, religion, national origin, sex, marital status, age, disability, familial status, receipt of public assistance, or any other legally protected characteristic.

3. General Website Disclaimer

The information published on TreesideFinancial.com is provided for general informational and educational purposes.

Nothing on this website constitutes a binding offer to extend credit, a commitment to provide financing, a mortgage approval, or a guaranteed interest rate or loan term.

Interest rates, annual percentage rates (APRs), fees, loan programs, and eligibility requirements may change without advance notice. Loan availability and terms depend on individual qualifications, lender requirements, property characteristics, market conditions, and applicable regulations.

Not every applicant will qualify for financing. All loan applications are subject to applicable underwriting requirements, verification procedures, and final approval.

Although we make reasonable efforts to maintain accurate information, website content may become outdated or contain errors. We do not guarantee that the website will always be complete, accurate, or available without interruption.

4. Mortgage Products & Loan Disclosures

Mortgage products and programs are subject to applicable lender guidelines, qualification requirements, and geographic restrictions.

  • Loan approval may require verification of credit history, income, employment, assets, liabilities, identity, and property information.
  • Interest rates, APRs, closing costs, and loan terms vary by borrower, property, product, and market conditions.
  • Advertised rates and terms are not guaranteed until confirmed through the applicable lender’s procedures.
  • Property appraisals or other acceptable valuation methods may be required.
  • Government-related programs, including FHA, VA, and USDA financing, have additional eligibility requirements.
  • Specialty mortgage products may involve additional restrictions, costs, risks, or qualifications.
  • Not all mortgage programs are available in every state or for every property type or loan amount.

Treeside Financial a DBA of NEXA Mortgage, LLC is not affiliated with, sponsored by, or endorsed by the U.S. Department of Veterans Affairs, the Federal Housing Administration, or any other government agency.

5. Mortgage Assessments, Calculators & Educational Tools

Treeside Financial provides educational resources, mortgage calculators, readiness assessments, home equity assessments, refinance assessments, and other interactive tools to help consumers explore their financing options.

These tools may use information voluntarily provided by visitors to generate educational results, general recommendations, or suggested next steps.

Assessment results are not a mortgage preapproval, underwriting decision, credit approval, or commitment to lend.

Any assessment score, readiness category, estimated payment, potential savings figure, available equity estimate, or other calculation is illustrative and should not be interpreted as a guarantee of financing or financial outcome.

Actual qualification, loan amounts, rates, payments, and program availability can only be determined after appropriate review and verification.

6. Consent to Communicate & SMS Disclosures

When you contact Treeside Financial, request information, schedule an appointment, or submit an inquiry, NEXA Mortgage, LLC and its authorized representatives may respond using the contact information you provide, as permitted by applicable law.

Where you separately provide the required consent, communications may include marketing calls, text messages, emails, or automated communications concerning mortgage products and services.

Consent to receive marketing calls or text messages is not required as a condition of applying for or obtaining a mortgage loan.

Communication preferences may be managed as follows:

  • Text Messages: Reply STOP to unsubscribe from applicable SMS communications. Reply HELP for assistance.
  • Message Charges: Message and data rates may apply. Message frequency may vary.
  • Email: Use the unsubscribe option provided in marketing messages or contact info@treesidefinancial.com.
  • Telephone: Request that a representative update your communication preferences.

Transactional or service-related communications concerning an existing mortgage inquiry or application may continue when legally permitted, even after marketing preferences have been updated.

7. Credit Reports & Application Authorization

When you choose to apply for financing, NEXA Mortgage, LLC may request authorization to obtain consumer credit reports, verify employment and income, review assets and liabilities, and confirm other information needed to evaluate your application.

Credit inquiries may affect your credit score depending on the nature of the inquiry and the policies of the applicable consumer reporting agency.

Completing a general educational assessment or calculator does not, by itself, constitute authorization for a credit inquiry. Any required credit authorization will be obtained through an appropriate application, authorization form, or other legally compliant process.

8. Electronic Records & Signatures

Certain mortgage services may be available electronically, including applications, disclosures, document delivery, and electronic signatures.

Where applicable, electronic transactions and disclosures are subject to required consent procedures and relevant federal and state electronic signature laws.

9. Privacy & Information Security

Protecting consumer information is important to Treeside Financial and NEXA Mortgage, LLC.

Information collected through this website may be used to respond to inquiries, provide mortgage-related services, process applications, operate website features, improve user experience, meet legal requirements, and prevent fraud.

Website technologies such as cookies, analytics platforms, and advertising measurement tools may be used where permitted by applicable law.

Personal information may be shared with authorized service providers and other parties as permitted or required to provide requested services and comply with legal obligations.

For additional information about the collection, use, protection, and disclosure of personal information, please review our Privacy Policy.

10. Fair Lending, Consumer Rights & Complaints

Treeside Financial a DBA of NEXA Mortgage, LLC maintains a commitment to fair lending, responsible mortgage practices, and compliance with applicable consumer protection requirements.

Consumers with questions or concerns about mortgage services provided through Treeside Financial may contact:

  • Treeside Financial: info@treesidefinancial.com
  • NEXA Mortgage Compliance: compliance@nexamortgage.com

Consumers may also submit complaints to the Consumer Financial Protection Bureau at www.consumerfinance.gov/complaint or contact the applicable state mortgage regulatory authority.

11. State Licensing & Geographic Availability

NEXA Mortgage, LLC is licensed to conduct mortgage-related business in multiple U.S. jurisdictions, subject to applicable state laws and licensing requirements.

Individual mortgage loan originators, including James “Jim” Mucci (NMLS #138693), may originate loans only in states where appropriately licensed or otherwise authorized.

Product availability, loan terms, and eligibility requirements may vary depending on the property location and applicable licensing requirements.

For current company and individual licensing information, please visit NMLS Consumer Access.

12. Advertising, Testimonials & Third-Party Information

Customer reviews, testimonials, and success stories reflect individual experiences and do not guarantee that other consumers will achieve similar outcomes.

Any discussion of potential savings, financing benefits, or mortgage strategies is dependent on individual circumstances and should not be considered a promise of specific results.

This website may reference third-party companies, lenders, websites, financial products, and other resources. Such references do not necessarily constitute an endorsement or guarantee.

Third-party websites operate under their own policies and practices. Visitors should independently review the terms and privacy policies of external services.

13. No Legal, Tax or Investment Advice

Information presented through Treeside Financial is intended to help consumers understand mortgage financing and related homeownership considerations.

It is not intended to replace personalized legal, tax, accounting, or investment advice. Consumers should consult qualified professionals regarding matters outside the scope of mortgage origination services.

14. Website Content & Intellectual Property

Website content, educational materials, written publications, illustrations, graphics, branding elements, and other original materials are owned by their respective rights holders or used with permission.

Unauthorized reproduction, redistribution, or commercial use of protected materials is prohibited unless permission has been granted or applicable law otherwise permits such use.

15. Website Accessibility

Treeside Financial is committed to making mortgage information and services accessible to consumers.

If you experience difficulty accessing website content or require assistance obtaining information in an accessible format, please contact info@treesidefinancial.com.

16. Changes to These Disclosures

These disclosures may be updated periodically to reflect changes in applicable law, mortgage licensing, products, business operations, or website practices.

Updates will be published on this page. Visitors are encouraged to review this information periodically.

17. Contact Information

Treeside Financial a DBA of NEXA Mortgage, LLC
Company NMLS #1660690
Equal Housing Lender

James “Jim” Mucci
Mortgage Loan Originator
NMLS #138693

Corporate Address:
NEXA Mortgage, LLC
5559 S Sossaman Rd
Building 1, Suite 101
Mesa, AZ 85212

Treeside Financial Contact:
Phone: (586) 648-0021
Email: info@treesidefinancial.com
Website: https://treesidefinancial.com

NEXA Mortgage Compliance:
compliance@nexamortgage.com

For additional company-wide information, please review the NEXA Mortgage Corporate Legal Disclosures.

Treeside Financial a DBA of NEXA Mortgage, LLC. Company NMLS #1660690. James “Jim” Mucci NMLS #138693. Equal Housing Lender.