Terms of Service
Last August 22, 2026
These Terms of Service ("Terms") govern your use of mortgagemikey.com, including its website, online forms, communications, and related services ("we," "us," or "our").
By accessing this website, submitting information through a form, requesting information, scheduling an appointment, or otherwise using our services, you acknowledge these Terms.
1. Mortgage Information and Services
This website provides information regarding mortgage financing and related services, Which may include conventional, FHA VA USDA, jumbo, non-QM, home equity, HELOC, investment property, commercial, renovation, and Other financing where available.
Information presented on this website is for general informational purposes and does not constitute a commitment to lend, loan approval, guarantee Of financing, or financial, tax, accounting, or legal advice.
Loan programs, interest rates, fees, eligibility requirements, underwriting guidelines, and availability are subject to change Without notice.
All loans are subject to applicable underwriting requirements, lender approval, property eligibility, verification Of information, and Other applicable conditions.
2. No Guarantee of Approval
Submitting an inquiry, completing an online form, speaking With a mortgage loan professional, or applying for financing does not guarantee loan approval.
By requesting a consultation, you acknowledge that:
Loan qualification may depend upon factors including, but not limited to, credit history, income, assets, debts, property characteristics, loan-to-value ratio, applicable loan-program requirements, and lender underwriting guidelines.
3. Accuracy of Information
You agree to provide accurate and complete information when requesting mortgage information or applying for financing.
Mortgage decisions may require verification of information and supporting documentation.
Any estimates or general information provided through this website should not be considered a final loan offer or commitment to lend.
4. Electronic Communications
By providing your email address or other electronic contact information, you authorize us to communicate with you electronically regarding your inquiry, requested mortgage information, application, appointments, and related services, subject to applicable law and your communication preferences.
5. SMS/Text Messaging Program
Program Name
Mortgagemikey.com Mortgage Information & Client Communications Program
Program Description
When you expressly opt in to SMS communications, you may receive text messages from mortgagemikey.com and/or the mortgage loan professional or team identified on this website.
Messages may include mortgage information you requested, responses to inquiries, appointment reminders, application and loan-status communications, document reminders, educational mortgage information, f0110i&up communications, and, where you have separately consented, marketing or promotional messages.
Consent to receive marketing text messages is not a condition Of purchasing any property, goods, or services.
Message Frequency
Message frequency varies depending upon your interaction with us, the services you request, and your communication preferences.
Message and Data Rates
Message and data rates may apply to messages sent to you from us and messages sent by you to us. Contactyour wireless provider for information regarding your text or data plan.
Opting Out
You may cancel SMS communications at any time by replying STOP to a text message from us.
After you send STOP, you may receive a confirmation message confirming thatyou have been unsubscribed. After that confirmation, you Will no longer receive SMS messages covered by that opt-out unless you subsequently provide consent again.
TO rejoin the SMS program, opt in again through one Of our authorized opt in methods.
Help
For assistance with SMS communications, reply HELP to a message or contact the mortgage loan professional or team identified on this website.
Carrier Disclaimer
Wireless carriers are not liable for delayed or undelivered messages.
6. SMS Consent and privacy
Your consent to receive text messages applies to the messaging program for Which you provided consent.
Mobile opt-kn information and consent Will not be sold or shared With third parties or affiliates for their own marketing or promotional purposes.
Information may be provided to service providers and subcontractors when necessary to provide supporting services such as communications, technology, customer service, or mortgage—related services, subject to applicable privacy requirements.
Text messaging originator opt-in data and consent Will not be shared With third parties for their own marketing or promotional purposes.
Please review Our privacy policy for additional information regarding how personal inforrnation is collected, used, protected, and disclosed.
7. Third-Party Services
This website may use or provide access to third-party services, including scheduling systems, customer relationship management systems, communication platforms, mortgage technology providers, lenders, credit providers, and other service providers.
Third-party services may have their own terms and privacy policies.
8. Intellectual Property
Unless otherwise indicated, website content, including text, graphics, ogos, design elements, and other materials, is protected by applicable intellectual-property laws.
Content may not be or distributed without authorization except as by law.
9. Website Availability
We do not guarantee that this website or its services will always available, uninterrupted, secure, or error-free.
We may modify, suspend, or discontinue portions of the website or its functionality at any time.
10. Equal Housing Opportunity
Mortgagemikey.com supports the principles of the Fair Housing Act and Equal Credit Opportunity Act.
Mortgage financing is subject to applicable federal and state lending laws and regulations.
11. Changes to These Terms
These Terms may be updated peritxlicallyto reflect changes in our services, technology, legal requirements, or business practices.
The "Last Updated" date at the top of this document identifies the most recent revision.
12. Contact Information
Questions regarding these Terms or our communications may be directed to the mortgage loan professional or team identified on this website or through the contact information provided at mortgagemikey.com.
12. Contact Information
For information regarding our collection, use, disclosure, and protection of personal information, please review the privacy policy available on https://mortgagemikey.com/privacy-policy.
This is not an offer to lend. All loans are subject to credit approval, underwriting guidelines, and applicable terms and conditions. Loan programs, rates, terms, and eligibility requirements are subject to change. Not all applicants will qualify. Equal Housing Opportunity.
Add all applicable state-specific licensing and regulatory disclosures before publishing.