Website Terms of Use

Lending Sphere, Inc.
Effective October 9, 2026

These Terms of Use ("Terms") apply to your use of lendingsphere.io (the "Site"), operated by Lending Sphere, Inc. ("Lending Sphere," "we," "us"). By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

1. Who we are: mortgage broker disclosure

Lending Sphere, Inc. is a California corporation and a real estate broker licensed by the California Department of Real Estate, with a mortgage loan originator license endorsement.

  • Company: DRE #02217037 | NMLS #2485308
  • Nate Kucera, President/Broker: DRE #01401458 | NMLS #295855
  • Dave Kucera, Mortgage Loan Originator: DRE #02235901 | NMLS #1635610

You can verify our licenses at NMLS Consumer Access (opens in a new tab) and the California DRE license lookup (opens in a new tab). We are licensed to arrange loans for property in California only, and we serve borrowers throughout California.

We are a mortgage broker, not a lender. We do not lend money, make credit decisions, or approve loans. We work with multiple wholesale lenders to arrange your loan. The lender decides whether to approve your loan and sets its final terms. We may be paid by the lender, by you, or both, as disclosed in your loan documents. We will disclose compensation as required by law.

Equal Housing Opportunity. We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act.

2. No offer or commitment to lend

Nothing on the Site is an offer to lend, a loan approval, a pre-approval, a rate lock, or a commitment of any kind. Information about loan programs is general and for education only. Programs, guidelines, and availability change without notice and depend on lender approval, credit, income, property, and other factors. Not everyone will qualify. Your actual terms will be in the disclosures and documents you receive if you apply.

Submitting the "Request a Call" form does not start a loan application and does not create a customer, broker, or agency relationship. That relationship begins only if you apply and we agree to work with you.

3. Not financial, legal, or tax advice

Content on the Site is general information, not personal financial, legal, or tax advice. Please talk with your own advisors about your situation.

4. Third-party sites, including Blink

The Site links to sites we do not control, including:

  • Blink (blink.mortgage): our third-party loan application portal. When you click "Apply," you leave our Site. Your use of Blink is governed by Blink's own terms of use and privacy policy. We receive the application information you submit through Blink and handle it as described in our Privacy Notice (GLBA).
  • NMLS Consumer Access and the California DRE license lookup.

We are not responsible for the content, availability, security, or practices of third-party sites. A link does not mean we endorse the site.

5. Calls, texts, and emails (TCPA consent)

Form submissions go only to Dave Kucera. The "Request a Call" form includes an optional checkbox to agree to calls and texts. If you check it, you agree that Lending Sphere and its loan originators (Dave Kucera and Nate Kucera) may contact you at the phone number you provide about your mortgage inquiry, including by calls and text messages. Consent is not required to get a loan or any other service. Reply STOP to any text to opt out. Message and data rates may apply. Message frequency varies.

The same wording appears next to the checkbox on the form, beginning "By checking this box, you agree..."

You can withdraw consent to calls or texts at any time by any reasonable means, including replying STOP to a text, telling us on a call, or emailing [email protected]. If you do not check the box, we will contact you only by the method you choose, as needed to respond to your request.

6. Privacy

Our Privacy Policy explains how we handle information collected through the Site. Our Privacy Notice (GLBA) explains how we handle information from loan applicants and customers.

7. Using the Site

You agree to use the Site only for lawful purposes. You agree not to:

  • submit false information or information about someone else without their permission;
  • try to break into, disrupt, or overload the Site, or use bots or scrapers to collect data from it;
  • send spam, malware, or harmful code; or
  • use the Site in a way that violates any law.

The form is protected by Cloudflare Turnstile, which checks your browser for signs of automated use.

Please do not send Social Security numbers, account numbers, or financial documents through the Site's form or by regular email. Use the secure Blink application.

8. Content ownership

The Site's text, design, logos, and graphics belong to Lending Sphere or its licensors and are protected by law. You may view and print pages for your personal, non-commercial use. You may not copy, change, or reuse Site content for any other purpose without our written permission. "Equal Housing Opportunity" and the equal housing logo are used as required by fair-housing rules.

9. Accuracy and changes

We try to keep the Site accurate and current, but it may contain errors or outdated information. We may change, suspend, or remove any part of the Site at any time.

10. Disclaimer of warranties

The Site is provided "as is" and "as available." To the fullest extent the law allows, we make no warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not promise that the Site will be uninterrupted, error-free, or free of viruses.

11. Limitation of liability

To the fullest extent the law allows, Lending Sphere and its officers, employees, and licensees will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits or data, arising from your use of, or inability to use, the Site or any linked site, even if we were told such damages were possible. Our total liability for any claim relating to the Site is limited to $100.

These limits apply only to your use of this website. They do not limit any rights you have under your loan documents or under consumer-protection laws that cannot be waived, and they do not limit liability for fraud, willful misconduct, or gross negligence.

12. Indemnity

If you misuse the Site or break these Terms, you agree to cover reasonable losses and costs (including attorneys' fees) that we incur because of it, to the extent the law allows.

13. Governing law and disputes

These Terms are governed by the laws of the State of California, without regard to its conflict-of-law rules, and by applicable federal law. Any dispute about the Site will be resolved in the state or federal courts located in Fresno County, California, and you and we agree to those courts' jurisdiction.

14. Changes to these Terms

We may update these Terms. We will post the updated version on this page with a new effective date. Your continued use of the Site after a change means you accept the updated Terms.

15. Other terms

If any part of these Terms is found unenforceable, the rest stays in effect. Our failure to enforce a term is not a waiver. These Terms, together with our Privacy Policy, are the entire agreement between you and us about the Site.

16. Contact us

Lending Sphere, Inc.
7522 N Colonial Ave, Ste. 111, Fresno, CA 93711
Phone: Nate Kucera, President/Broker, 559-960-7881 | Dave Kucera, Mortgage Loan Originator, 303-305-9421
Hours: Monday to Friday, 9:00 a.m. to 5:00 p.m. Pacific
Email: [email protected]

DRE #02217037 | NMLS #2485308 | Equal Housing Opportunity