Required Disclosures
Walk Thru Wealth · Walter Oliva, MBA · Updated May 2025
This page contains all legally required disclosures for both the real estate and mortgage advisory services provided by Walk Thru Wealth. These services are offered through separate licensed entities and must be clearly distinguished.
WalkThru Estates — Real Estate Disclosures
WalkThru Estates operates as a DBA of Walk Thru Wealth under the sponsorship of Pactum, INC. All real estate services, including buyer representation, seller representation, and transaction management, are performed under a valid California DRE license.
Agency Disclosure (CA Civil Code §2079.14): Before entering into a real estate transaction, clients will receive a mandatory disclosure explaining the nature of agency relationships and whether Walk Thru Wealth represents the buyer, seller, or both parties as a dual agent.
Non-Solicitation: This is not a solicitation if you are currently represented by a real estate licensee.
Bilingual Services (CA Civil Code §1632): When real estate negotiations are conducted primarily in Spanish, all required disclosures and contracts will be provided in Spanish prior to execution.
Advertising Compliance (CA BPC §10140.6): All advertising materials include the DRE license number of the licensee and the responsible broker identity as required by California law.
WalkThru Financial — Mortgage Disclosures
WalkThru Financial operates as a DBA of Walk Thru Wealth. Walter Oliva is licensed as a Mortgage Loan Originator under the Nationwide Multistate Licensing System (NMLS) and is sponsored by Pactum, INC.
Not a Commitment to Lend: Nothing on this website constitutes a commitment to lend. All loan products are subject to credit qualification, property approval, and underwriting guidelines. Rates, terms, and programs are subject to change without notice.
Equal Housing Opportunity: We are an equal housing opportunity lender. We do not discriminate on the basis of race, color, religion, national origin, sex, disability, or familial status in accordance with the Fair Housing Act and Equal Credit Opportunity Act.
NMLS Consumer Access: Verify license status at nmlsconsumeraccess.org.
Dual-Capacity Disclosure: Walter Oliva holds both a California DRE real estate license and an NMLS mortgage originator license. When acting in both capacities for a single transaction, a written dual-capacity disclosure will be provided and must be signed prior to any dual representation. See the Dual-Capacity Disclosure page for the full disclosure text.