Website Terms & Mortgage Disclosure

Last Updated: October 2026

Welcome to Lake Street Mortgage. This website is operated by Eric Ritchie for mortgage services offered through NEXA Mortgage, LLC.

Mortgage Licensing
Eric Ritchie, Mortgage Broker
NMLS #2702310
NEXA Mortgage, LLC
NMLS #1660690
Equal Housing Lender
Lake Street Mortgage currently serves clients in Wisconsin and Florida. Mortgage products and programs are subject to borrower qualification, underwriting requirements, lender approval, property eligibility and availability. Programs, rates, terms and guidelines may change without notice. Not all products are available to all borrowers.

No Loan Commitment
Information provided on this website is for general informational purposes only. Nothing on this website constitutes a commitment to lend, loan approval, rate lock, guarantee of financing or offer of specific loan terms. A loan application, supporting documentation, credit review and underwriting may be required before financing can be approved.

Information and Calculations
Any examples, estimates, payment scenarios or mortgage information provided on this website are for illustrative purposes only. Actual rates, payments, closing costs and loan terms will depend on the borrower, property, loan program and market conditions.

Equal Housing
NEXA Mortgage, LLC is an Equal Housing Lender. Mortgage services are offered without discrimination as required by applicable federal and state fair lending laws.

Third Party Services and Links
This website may contain links to third party websites, lenders, service providers or other resources. Lake Street Mortgage and NEXA Mortgage, LLC are not responsible for the content, security, availability or privacy practices of third party websites.

Privacy
Information submitted through this website will be handled in accordance with the applicable Privacy Policy. Please do not submit confidential financial information, passwords, Social Security numbers or other sensitive information through a general contact form unless specifically requested through a secure system.

Website Content
The information on this website is provided in good faith and may be updated from time to time. While reasonable efforts are made to keep information accurate, mortgage programs, regulations, market conditions and product guidelines can change.

Intellectual Property
Website content, branding, graphics and other materials may not be copied, reproduced or used for commercial purposes without permission from the applicable owner.

Changes to These Terms
These terms may be revised periodically to reflect changes in business practices, regulations or website functionality. Continued use of the website constitutes acceptance of the current terms.

Mortgage services provided through NEXA Mortgage, LLC, NMLS #1660690. Equal Housing Lender.