Terms of Service

Last Updated: March 9, 2026

Acceptance of Terms

By accessing or using the Arizona Doctor Loans website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

Description of Services

Arizona Doctor Loans provides mortgage lending services specifically designed for physicians and medical professionals in Arizona. Our services include:

• Physician mortgage loan consultations
• Pre-qualification and pre-approval services
• Mortgage loan origination and processing
• Educational resources about physician mortgages

Not a Commitment to Lend

Information provided on this website and through our pre-qualification process does not constitute a commitment to lend. All loans are subject to:

• Credit approval
• Income verification
• Appraisal of the property
• Satisfactory title review
• Compliance with all applicable laws and regulations

Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a licensed medical professional or in medical training
• Provide accurate and truthful information
• Comply with all applicable laws and regulations

Accuracy of Information

You agree to provide accurate, current, and complete information when using our services. Providing false or misleading information may result in:

• Denial of your loan application
• Termination of our services
• Legal action where appropriate

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Arizona Doctor Loans or BOK Financial and is protected by copyright and other intellectual property laws. You may not:

• Reproduce, distribute, or publicly display any content without permission
• Use our trademarks or branding without written consent
• Create derivative works from our content
• Scrape or systematically collect data from our website

Privacy and Security

Your use of our services is also governed by our Privacy Policy. We take reasonable measures to protect your personal information, but you acknowledge that:

• No internet transmission is completely secure
• You provide information at your own risk
• You are responsible for maintaining the confidentiality of your account information

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of these third-party sites.

Limitation of Liability

To the maximum extent permitted by law, Arizona Doctor Loans and Edward Lopez shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, data, or business opportunities
• Personal injury or property damage
• Errors or omissions in website content
• Unauthorized access to your data

Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:

• The website will be uninterrupted or error-free
• Defects will be corrected
• The website is free of viruses or harmful components
• Any specific loan terms or rates will be available

Equal Housing Opportunity

We are committed to fair lending practices and comply with all applicable fair housing and equal credit opportunity laws. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or because you receive income from public assistance.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of Maricopa County, Arizona.

NMLS Disclosure

Edward Lopez is a licensed Mortgage Loan Originator with NMLS #598677. BOK Financial is an Equal Housing Lender. All mortgage lending services are provided through BOK Financial.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will notify you of any changes by posting the updated terms on this page with a new "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the updated terms.

Termination

We reserve the right to terminate or suspend your access to our services, without prior notice or liability, for any reason, including breach of these Terms.

Contact Information

If you have any questions about these Terms of Service, please contact us: