This document provides contact and licensing information for Effective Mortgage Company. It discloses that any loans, credit or collateral offered are subject to approval and that terms, rates, programs and conditions are subject to change without notice and may vary between areas. The document also notes that restrictions may apply to any credit offered and that information provided is subject to change. It provides the NMLS number for the company and directs readers to check individual and company licensing information on the Nationwide Mortgage Licensing System & Registry website. Contact information is given for the company at its Northridge, CA location including phone, fax, email and website.