Licensing & disclosures

The fine print, in plain English. Last updated October 23, 2026.

Who you’re working with

Ross & Candor Mortgage Group is the name Jen Ross works under. It is not a separate lender: Jen is a licensed loan originator with NEXA Mortgage, LLC, and every loan is offered through NEXA Mortgage, LLC.

Check a license yourself

Every mortgage loan originator and mortgage company has a public record on NMLS Consumer Access (opens in a new tab). Search the numbers above to see current licenses, and any public actions. In North Carolina, mortgage companies and loan originators are licensed and supervised by the North Carolina Commissioner of Banks (opens in a new tab), who also takes consumer complaints.

Equal Housing Opportunity

We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex (including sexual orientation and gender identity), familial status, disability, marital status, age (provided you have the capacity to contract), because all or part of your income comes from a public assistance program, or because you have in good faith exercised a right under the Consumer Credit Protection Act.

Not a commitment to lend

Everything on this website is general information, not an offer or a commitment to lend. Sending a request here does not pull your credit and is not a loan application. Loans are subject to credit approval, verification of income, assets and identity, and an acceptable appraisal. Programs, rates, terms and fees can change without notice, and not every borrower or property will qualify. A rate is locked only when it is confirmed to you in writing.

Rates and payments

This site doesn’t advertise specific rates or payments. When Jen quotes you numbers, you’ll get them with the annual percentage rate (APR) and the assumptions behind them, and your official Loan Estimate will show the full cost of the loan. Monthly payments on most loans also include property taxes and homeowners insurance, and may include mortgage insurance.

Calls and texts

We call or text only when you ask us to, by checking the consent boxes on a form. Consent to texts is never a condition of any loan. Message frequency varies and message and data rates may apply. Reply STOP to any text to opt out, or HELP for help.

Your privacy

How this website handles what you send through its forms is in our privacy notice. If you apply for a loan, NEXA Mortgage, LLC’s privacy policy also applies, including the notice it provides under the Gramm-Leach-Bliley Act: NEXA Mortgage, LLC privacy policy (opens in a new tab).

Questions

Call or text 661-547-4496 or email jross@nexalending.com.