Terms & Conditions

By accessing, browsing, or using the MR Mortgage website, submitting any information through our web forms, or opting in to receive communications (including SMS/text messages, emails, or phone calls), you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy.

These Terms constitute a legally binding agreement between you ("User," "you," or "your") and MR Mortgage ("Company," "we," "us," or "our"). If you are using our services on behalf of another person, you represent that you have the authority to bind that person to these Terms.

MR Mortgage provides mortgage lending services, specializing in Home Equity Lines of Credit (HELOCs) for California homeowners. Our services include but are not limited to:

• Online HELOC pre-qualification and application processing
• Personalized rate quotes and financing options
• Bank statement and no-tax-return lending programs
• No-appraisal home equity financing
• Loan advisory and consultation services
• Communication regarding your application via phone, email, and SMS

MR Mortgage is a licensed mortgage broker (NMLS ID #328282), licensed in the State of California. MR Mortgage is not a bank or direct lender. Loan products are offered through our lending partners, including the Homebridge digital HELOC platform. All loans are subject to credit approval, underwriting requirements, and applicable regulations.

To use our services, you must be at least 18 years of age, a legal resident of the United States, and capable of entering into a binding legal agreement. Our HELOC products are currently available to homeowners with qualifying properties in the State of California. By using our services, you represent and warrant that you meet all eligibility requirements.

Types of Messages

If you opt in to receive SMS/text messages from MR Mortgage, you may receive the following types of messages:

• Inquiry Follow-Ups: Responses and follow-ups related to your HELOC or loan inquiry submitted through our website or other channels.
• Appointment Reminders: Reminders for scheduled calls, consultations, or meetings with your loan advisor.
• Application Status Updates: Notifications regarding the status of your loan application, document requests, or approval milestones.
• Rate Alerts & Promotions: Updates on competitive HELOC rates, limited-time offers, and financing opportunities (if opted in to marketing messages).
• Account Notifications: Important account-related information, security alerts, and service updates.

SMS Consent & Privacy

SMS consent is not shared with third parties or affiliates for marketing purposes. Your consent to receive text messages from MR Mortgage is solely between you and MR Mortgage. We will never sell, rent, or share your SMS consent or mobile phone number with any third party or affiliate for their own marketing or promotional use. For complete details, review our Privacy Policy.

Opting Out

You may opt out at any time by replying STOP to any message. We will send a single confirmation and no further texts. You may also contact us at (818) 774-3700 or amy@mrmortgage.com.

Getting Help

Reply HELP to any message for assistance, or visit https://mrmortgage.com.

By using our Site and services, you represent and warrant that:

• All information you provide is truthful, accurate, current, and complete.
• You will maintain the accuracy of your information and promptly update it if anything changes.
• You have the legal capacity and authority to agree to these Terms.
• You will not use our Site or services for any unlawful or unauthorized purpose.
• You will not attempt to gain unauthorized access to any portion of our Site, systems, or networks.
• Your use of the Site will comply with all applicable laws and regulations.

Providing false, inaccurate, or misleading information may result in the termination of your access to our services and may constitute fraud under applicable law.

While we strive to provide accurate and up-to-date information on our Site, we do not warrant that all information, including rates, terms, loan amounts, closing timelines, and program availability, will be accurate, complete, or current at all times. Interest rates, loan terms, and program availability are subject to change without notice.

The content on our Site is provided for general informational purposes only and does not constitute a commitment to lend, a loan offer, or financial advice. Pre-qualification results are estimates only and do not guarantee loan approval or specific terms.

Submitting a pre-qualification form, loan application, or other inquiry through our Site does not guarantee loan approval, a specific interest rate, or particular loan terms. All loan products are subject to:

• Credit approval and underwriting review
• Verification of income, employment, assets, and property eligibility
• Compliance with applicable federal, state, and local lending regulations
• Lender-specific requirements and guidelines
• Property appraisal or automated valuation results (where applicable)

Pre-qualification and pre-approval are not commitments to lend. Final loan approval, terms, and conditions are determined by the lending partner upon completion of the full underwriting process.

All content on the MR Mortgage website, including but not limited to text, graphics, logos, images, software, page layout, and design, is the property of MR Mortgage or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise use any content from our Site without our prior written consent. The "MR Mortgage" name, logo, and all related marks are trademarks of MR Mortgage.

Our Site may contain links to third-party websites, services, or platforms that are not owned or controlled by MR Mortgage. These include but are not limited to lending partner platforms, credit bureaus, government resources, and analytics providers. We are not responsible for the content, privacy practices, or terms of any third-party sites.

The inclusion of any third-party link does not imply endorsement, affiliation, or sponsorship. You access third-party sites at your own risk.

To the fullest extent permitted by applicable law, MR Mortgage, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, goodwill, or other intangible losses, arising out of or in connection with:

• Your access to or use of (or inability to access or use) our Site or services
• Any conduct or content of any third party on or related to our Site
• Unauthorized access, use, or alteration of your information
• Any errors, inaccuracies, or omissions in content or materials on our Site
• Any decision made or action taken based on information provided on our Site
• Delays or failures in SMS message delivery

In no event shall our total aggregate liability exceed one hundred dollars ($100.00). Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

Our Site and services are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

We do not warrant that our Site will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We do not guarantee any specific outcome, loan approval, rate, or term as a result of using our services.

You agree to indemnify, defend, and hold harmless MR Mortgage, its officers, directors, employees, agents, licensors, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of our Site or services
• Your violation of these Terms
• Your violation of any rights of any third party
• Any information you provide to us that is inaccurate, misleading, or fraudulent
• Any breach of your representations or warranties set forth in these Terms

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. Any dispute arising out of or relating to these Terms or your use of our services shall be resolved exclusively in the state or federal courts located in Los Angeles County, California.

Before initiating any formal legal proceeding, you agree to first attempt to resolve any dispute informally by contacting us at amy@mrmortgage.com. We will make good faith efforts to resolve any dispute within thirty (30) days of receipt of your written notice.

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.

We reserve the right to modify, update, or replace these Terms at any time at our sole discretion. When we make material changes, we will update the "Last Updated" date at the top of this page. Your continued use of the Site or services after any changes constitutes your acceptance of the revised Terms.