The basics, for the record.

By accessing or using wherejulialends.com, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this website.

This website is owned and operated by Julia Kovalskiy, a Residential Mortgage Loan Originator (NMLS #2661068) sponsored by C2 Financial Corporation (NMLS #135622). The site provides general information about mortgage programs and connects prospective borrowers with Julia for mortgage origination services in Texas and Florida.

Nothing on this website constitutes a loan offer, commitment to lend, pre-approval, or guarantee of any specific rate, term, or program. All loans are subject to underwriting, credit approval, property appraisal, and compliance with applicable lending guidelines. Rates and programs are subject to change without notice.

The mortgage calculators on this site provide estimates only and are not loan offers. Actual rates, payments, and qualifying amounts depend on your specific credit profile, income, property, and the lender's underwriting decision. Calculator results should not be relied upon as financial advice.

Julia Kovalskiy is licensed to originate residential mortgage loans in Texas and Florida only. If you are located outside these states, the information on this site is provided for general informational purposes and Julia cannot originate a mortgage for you.

All content on this website — including text, graphics, logos, images, and design — is the property of Julia Kovalskiy or used with permission, and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or use any content from this site without prior written permission, except for personal, non-commercial reference.

When using this site, you agree not to:

• Submit false, misleading, or fraudulent information
• Use any automated system to access the site
• Attempt to interfere with the site's security or functionality
• Use the site for any unlawful purpose

This website is provided "as is" without warranties of any kind, express or implied. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components. Information on this site is for general informational purposes and may not reflect the most current rates, programs, or regulations.

To the maximum extent permitted by law, Julia Kovalskiy and C2 Financial Corporation are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website.

These Terms of Use are governed by the laws of the State of Texas, without regard to its conflict of laws principles. Any disputes arising from your use of this site shall be resolved in the courts of Travis County, Texas.

We may update these Terms of Use from time to time. Continued use of the site after changes constitutes acceptance of the revised terms.

Julia Kovalskiy and C2 Financial Corporation are Equal Housing Lenders. We do not discriminate in lending on the basis of race, color, religion, national origin, sex, marital status, age, source of income, or any other basis prohibited by law.

For questions about these terms, contact:

Julia Kovalskiy, NMLS #2661068
Email: jkovalskiy@c2financial.com
Phone: (203) 252-1791