Legal Disclosures
& Policies

Service areas

All of Florida. Primary markets include Sarasota County (Sarasota, Lakewood Ranch, Siesta Key, Longboat Key, Osprey, Nokomis), Manatee County (Bradenton, Palmetto, Parrish, Ellenton), and Charlotte County (Port Charlotte, Punta Gorda, Englewood).

State licensing — Barrett Financial Group

Rate and program information

Rates, fees, terms, and program guidelines are subject to change without notice. The rates and programs displayed on this website are for informational purposes only and do not constitute a rate quote or loan commitment. Actual rates and terms will be determined based on your individual financial situation, credit profile, property type and location, loan amount and down payment, and other factors at time of application.

Regulatory compliance

1st Response Mortgage and Barrett Financial Group, L.L.C. comply with all applicable federal and state mortgage lending laws, including:

• Truth in Lending Act (TILA)
• Real Estate Settlement Procedures Act (RESPA)
• Equal Credit Opportunity Act (ECOA)
• Fair Housing Act
• Home Mortgage Disclosure Act (HMDA)
• Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act)
• Florida Fair Lending Act
• Florida Office of Financial Regulation requirements

Information we collect

We collect personal information that you provide when you apply for a mortgage loan, request information about our services, use our website, or communicate with us by phone, email, or text. This includes name, address, phone number, email address, Social Security number, date of birth, employment and income information, financial information, credit history, and property information.

How we use your information

• To process your mortgage application
• To verify your identity and creditworthiness
• To communicate with you about your loan
• To comply with legal and regulatory requirements
• To improve our services
• To send you relevant mortgage information with your consent

Information sharing

We may share your information with lenders and financial institutions to process your loan, credit bureaus for credit checks, service providers such as title companies and appraisers, government agencies as required by law, and Barrett Financial Group, L.L.C. and its affiliates.

Your privacy rights

• Right to access your personal information
• Right to request corrections to your information
• Right to opt-out of marketing communications
• Right to request deletion of your information (subject to legal requirements)

By using this website and our services, you agree to these Terms of Service. If you do not agree, please do not use our website or services.

Permitted use

You agree to use this website only for lawful purposes. You may not use the website in any way that violates applicable laws, attempt to gain unauthorized access to our systems, transmit viruses or malware, impersonate another person or entity, or collect information about other users.

Intellectual property

All content on this website including text, images, logos, and design is the property of 1st Response Mortgage, Barrett Financial Group, L.L.C., or licensed content providers. You may not reproduce, distribute, or create derivative works without written permission.

Limitation of liability

To the fullest extent permitted by law, 1st Response Mortgage and Barrett Financial Group, L.L.C. shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our website or services.

1st Response Mortgage is committed to ensuring digital accessibility for people with disabilities. We strive to conform to Web Content Accessibility Guidelines (WCAG) 2.1 Level AA standards.

Accessibility features

• Alternative text for images
• Keyboard navigation support
• Clear heading structure
• Sufficient color contrast
• Resizable text
• Compatibility with screen readers and assistive technologies

By providing your phone number and email address, you consent to receive communications from 1st Response Mortgage and Barrett Financial Group, L.L.C. via text messages, email, phone calls, and automated systems.

Message frequency & rates

Standard message and data rates from your carrier may apply to text messages. Marketing messages are typically sent no more than 4 times per month. Communication frequency varies based on your loan status and preferences.

We may use automated dialing systems and prerecorded messages. By providing your phone number, you consent to receive such calls. Please notify us immediately if your contact information changes by calling (941) 941-5150.

Barrett Financial Group, L.L.C. and 1st Response Mortgage do not discriminate on the basis of:

If you have a complaint about our services, follow these steps. We strive to acknowledge complaints within 2 business days and provide resolution within 15 business days.