LEGAL DISCLAIMERS

Last Updated: February 17, 2026

COMPANY IDENTIFICATION AND LICENSING

David Ryan Wynne is a Licensed loan officer with Geneva Financial, LLC. All mortgage loan origination activities are conducted under the licenses and regulatory oversight applicable to Geneva Financial, LLC.

For complete licensing information, visit https://nmlsconsumeraccess.org/.
Not a commitment to lend. All loans are subject to credit and underwriting approval. Additional terms and conditions apply. Not all applicants will qualify. Corporate Address: 180 S. Arizona Ave, Suite 310, Chandler, AZ 85225. Toll-Free: (888) 889-0009. Loan approvals, products, and interest rates may vary and are subject to change without notice. Geneva Financial, LLC is not endorsed by, or acting on behalf of HUD, FHA, USDA, VA, or any agency of the federal government. Equal Housing Lender.

Licensing & Entity Disclosure

Individual NMLS ID: 663840 (David Ryan Wynne)
Company NMLS ID: 42056 (Geneva Financial, LLC)
Corporate Address: 180 S. Arizona Ave Ste 310 Chandler, AZ 85225

David Ryan Wynne is licensed to originate mortgage loans in the following states: Tennessee, Georgia, Alabama & Florida.

Geneva Financial, LLC
NMLS #42056

180 S. Arizona Ave Ste 310 Chandler, AZ 85225

David Ryan Wynne, Loan Officer
NMLS #663840

This website is owned and operated by David Ryan Wynne.

All loan applications, processing, and closings are facilitated through Geneva Financial, LLC, a licensed mortgage lender.

For complete licensing information, including state-specific license numbers and regulatory disclosures, please contact us directly or visit the Nationwide Multistate Licensing System (NMLS) Consumer Access website at www.nmlsconsumeraccess.org.

EQUAL HOUSING OPPORTUNITY

Fair Lending Statement

Equal Housing Lender. We conduct business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.

Geneva Financial, LLC is an Equal Housing Lender. We comply fully with the Fair Housing Act and do not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity in our lending practices.

GENERAL MORTGAGE LENDING DISCLAIMERS

General Loan Disclaimer

This website is for informational purposes only and does not constitute an offer or a commitment to lend. All mortgage products are subject to credit and property approval. Not all applicants will qualify. Programs, rates, terms, and conditions are subject to change without notice based on applicant eligibility and market conditions.

Loan Approval and Qualification

All mortgage loans and refinancing options are subject to credit approval, income verification, property appraisal, and compliance with applicable underwriting guidelines. Nothing on this website constitutes a commitment to lend, an offer of credit, or a guarantee of loan approval. Each application is evaluated on its individual merits based on the borrower's financial profile, credit history, employment status, debt-to-income ratio, and the appraised value of the subject property.

Pre-qualification and pre-approval estimates are preliminary assessments based on information provided by the borrower and do not constitute a final loan approval or commitment.

Rates, Terms, and Programs

Interest rates, annual percentage rates (APRs), loan terms, fees, and program availability are subject to change without notice. Rates quoted on this website or in communications are for informational and illustrative purposes only and may not reflect current market conditions. Actual rates offered to individual borrowers will vary based on creditworthiness, loan-to-value ratio, property type, occupancy status, and other underwriting factors.

All rate quotes and program information have an expiration date and may change based on market conditions. Lock-in periods and rate lock agreements are subject to specific terms and conditions outlined in your loan documentation.

Specific Program Disclaimers

"Fast-Track" Program: References to "Fast-Track" or expedited processing refer to internal operational goals and do not guarantee a specific closing date or time frame. Actual closing times depend on various factors including third-party turnaround times (appraisals, title, etc.) and borrower responsiveness.
"Unconventional" Scenarios: While we specialize in creative solutions for unique financial situations, all loans must still meet specific underwriting guidelines and regulatory requirements. "Outside-the-box" does not mean "outside of compliance."

"Fast-Track Program" Disclaimer

References to a "Fast-Track Program," "expedited closings," or similar terminology describe our internal processing and service commitment to prioritize efficiency wherever possible. These terms do not guarantee a specific closing date or timeline. Actual closing timelines depend on numerous factors including but not limited to: timely submission of required documentation, third-party service providers (appraisers, title companies, inspectors), underwriting review, seller cooperation, property condition, title clearance, and borrower responsiveness.

While we strive to streamline the mortgage process, all loans remain subject to standard regulatory requirements and due diligence procedures that cannot be bypassed.

"Unconventional Scenarios" and Custom Solutions

Our reference to "unconventional scenarios," "outside-the-box solutions," or "clients whose situations don't fit the standard mold" refers to our willingness to explore available loan programs that may accommodate non-traditional income sources, credit histories, or property types. This does NOT imply that we can approve loans for borrowers who do not meet minimum lending standards, regulatory requirements, or program-specific eligibility criteria.

All loans must comply with applicable federal and state lending laws, including ability-to-repay regulations under the Truth in Lending Act (TILA) and Dodd-Frank Act. We cannot and will not originate loans that place borrowers in situations where they cannot reasonably afford the repayment obligations.

INFORMATION ACCURACY AND WEBSITE CONTENT

No Legal or Financial Advice

The information provided on this website is for general informational purposes only and should not be construed as legal, financial, tax, or investment advice. Mortgage lending involves complex financial decisions that should be made in consultation with qualified professionals who understand your specific circumstances.

We encourage all prospective borrowers to:

Consult with a qualified tax advisor regarding the tax implications of mortgage interest deductions and other homeownership-related tax matters
Review all loan documents carefully and ask questions about anything you do not understand
Consider seeking independent legal counsel before signing mortgage agreements
Evaluate your personal financial situation and long-term housing goals

Content Accuracy

While we make every effort to ensure the accuracy and timeliness of information on this website, we make no warranties or representations regarding the completeness, accuracy, or reliability of any content. Mortgage lending regulations, program guidelines, and market conditions change frequently. Information on this website may become outdated.

We are not responsible for typographical errors, omissions, or technical inaccuracies. All information should be independently verified before making financial decisions.

Third-Party Links and Resources

Third-Party Links

This site may contain links to external websites (such as Geneva Financial’s application portal). David Ryan Wynne is not responsible for the content or privacy practices of these external sites.

This website may contain links to third-party websites, resources, calculators, or tools provided for convenience. We do not endorse, control, or assume responsibility for the content, accuracy, privacy practices, or availability of third-party websites. Your use of third-party websites is at your own risk and subject to the terms and conditions of those sites.

PRIVACY AND DATA PROTECTION

Privacy & Security

We take your privacy seriously. Any information submitted through this website is used solely for the purpose of evaluating your mortgage needs. We do not sell your personal data to third parties.

We are committed to protecting your personal and financial information. Our collection, use, storage, and sharing of personal information is governed by our Privacy Policy, the Gramm-Leach-Bliley Act (GLBA), and other applicable privacy regulations.

By submitting information through this website, including loan applications, contact forms, or email communications, you consent to our collection and use of such information in accordance with our Privacy Policy and applicable law.

For detailed information about our data practices, please review our complete Privacy Policy [link].

REGULATORY COMPLIANCE

Truth in Lending Act (TILA) and RESPA

All mortgage loans are subject to federal disclosure requirements under the Truth in Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA). Borrowers will receive all required disclosures including the Loan Estimate (LE) and Closing Disclosure (CD) in accordance with the TILA-RESPA Integrated Disclosure (TRID) rule.

Fair Lending Laws

We comply with all applicable fair lending laws including the Equal Credit Opportunity Act (ECOA), Fair Housing Act (FHA), and Home Mortgage Disclosure Act (HMDA). We do not discriminate in our lending practices.

State-Specific Regulations

Mortgage lending is regulated at both the federal and state levels. Certain loan programs, terms, and practices may vary by state. Some states have additional licensing requirements, disclosure obligations, and consumer protection laws that apply to mortgage transactions.

LIMITATION OF LIABILITY

Website Use

Your use of this website is at your own risk. To the fullest extent permitted by law, David Ryan Wynne and Geneva Financial, LLC disclaim all warranties, express or implied, regarding this website including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

We shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from or related to your use of this website or reliance on information contained herein.

No Guarantee of Results

Past performance, testimonials, or success stories do not guarantee future results. Each mortgage application is unique and subject to individual underwriting review.

INTELLECTUAL PROPERTY

All content on this website, including text, graphics, logos, images, video, audio, and software, is the property of David Ryan Wynne or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

Unauthorized reproduction, distribution, modification, or commercial use of website content is strictly prohibited without express written permission.

CONTACT INFORMATION AND COMPLAINTS

Questions or Concerns

If you have questions about these disclaimers, our lending practices, or mortgage products, please contact:

David Ryan Wynne, NMLS #663840
423.667.8380

Consumer Complaints

If you have a complaint regarding our mortgage lending services, you may contact:

Company Compliance Department: [Compliance Contact Information]
Consumer Financial Protection Bureau (CFPB):
Website: www.consumerfinance.gov/complaint
Phone: (855) 411-CFPB (2372)
State Regulatory Agency: Contact information varies by state. Visit your state's banking or financial regulation department website.

CHANGES TO DISCLAIMERS

We reserve the right to modify, update, or change these disclaimers at any time without prior notice. Your continued use of this website following any changes constitutes acceptance of those changes. We encourage you to review this page periodically.

SEVERABILITY

If any provision of these disclaimers is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

By using this website and engaging our services, you acknowledge that you have read, understood, and agree to be bound by these disclaimers.