SMS Terms

Effective date: July 9, 2026

These SMS Terms explain the text messages you may receive from the loan officer and the mortgage company named on the page where you signed up (together, "we" or "us"). By giving your phone number and agreeing to our texts, you accept these SMS Terms. Please also read our Privacy Policy, which explains how we handle your information.

1. Program name and description This messaging program is operated by the loan officer and mortgage company named on the page where you signed up. We send two separate kinds of text messages: (a) Verification texts: a one-time verification code to confirm your phone number when you request a mortgage quote. (b) Marketing and rate-update texts: recurring messages about mortgage rates, loan options, appointment reminders, and follow-up on your inquiry, but only if you separately opt in.

2. One-time verification texts When you enter your phone number and ask us to send a code, we text you a single verification code so we can confirm the number is yours. You start this message, so it is transactional, not marketing. You do not have to accept marketing texts to receive a verification code, and we keep the two choices separate on the form.

3. Marketing and rate-update texts (optional) Marketing texts are optional. They are collected with a separate consent box that is unchecked by default, apart from the verification step. Message frequency varies. You can request a quote and verify your number without agreeing to marketing texts.

4. Cost Message and data rates may apply. Message frequency varies. Your mobile carrier's standard rates apply to the messages you send and receive. Contact your carrier for details about your plan.

5. How to opt out You can cancel marketing texts at any time. Reply STOP to unsubscribe. After you send STOP, we send one confirmation text and then stop sending marketing messages to that number. To start again, opt in again on the form or reply START.

6. How to get help Reply HELP for help. You can also contact the loan officer or company named on the page you used for support with this messaging program.

7. Consent Consent to receive SMS is not a condition of purchase or obtaining mortgage services. You are not required to agree to receive marketing texts to get a mortgage quote, rate, or service.

8. Your mobile information No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. We do not sell, rent, share, or trade your phone number or SMS opt-in data to third parties or lead generators. See our Privacy Policy for the full details of what we collect and how we use it.

9. Carrier liability Carriers are not liable for delayed or undelivered messages. Delivery depends on your carrier and device, and we cannot guarantee that every message is delivered.

10. Eligibility and changes This program is intended for United States mobile numbers and people who are 18 or older. We may update these SMS Terms from time to time. The version in effect is the one posted on this page as of the effective date shown above.