Legal

Legal Disclosures & Policies

1st Response Mortgage | Tony Fitzgerald, NMLS 1284924

Powered by Barrett Financial Group, L.L.C. | NMLS 181106

📞 (941) 941-5150 | 🌐 www.1rmtg.com

Last Updated: January 29, 2025

LICENSING INFORMATION

Company Information

1st Response Mortgage is a registered DBA of Barrett Financial Group, L.L.C.

Barrett Financial Group, L.L.C.

NMLS 181106

Florida License MLD1880

Corporate Headquarters:

2701 East Insight Way, Suite 150

Chandler, AZ 85286

Service Areas

All of Florida

Serving Southwest Florida including:

Sarasota County: Sarasota, Lakewood Ranch, Siesta Key, Longboat Key, Osprey, Nokomis

Manatee County: Bradenton, Palmetto, Parrish, Ellenton

Charlotte County: Port Charlotte, Punta Gorda, Englewood

Tony Fitzgerald - Loan Originator

NMLS 1284924

Licensed Mortgage Loan Originator operating in Florida under Barrett Financial Group, L.L.C.

State Licensing

Barrett Financial Group, L.L.C. holds licenses in all 50 states:

AL 22977 | AK AK181106 | AZ 0904774 | AR 124815 | CA 60DBO-46052 & 41DBO-148702 | CO | CT ML-181106 | DE 029971 | DC MLB181106 | FL MLD1880 | GA 181106 | HI 181106 | ID 2080181106 | IL MB.6761630 | IN 181106 | IA 2021-0157 | KS MC.0025726 | KY MB757252 & MC763707 | LA | ME 181106 | MD 181106 | MA MC181106 | MI fl0022342 | MN MN-MO-181106 | MS 181106 | MO 181106 | MT 181106 | NE | NV 5091 | NH 24338-MBR | NJ | NM | NC B-203722 | ND MB103863 | OH RM.804600.000 | OK ML013880 | OR | PA 92105 | RI 20224347LB | SC MLS 181106 | SD ML.05340 | TN 204577 | TX | UT 11368611 | VT LL-181106 & MB-181106 | VA MC-7357 | WA MB-181106 | WV MB-181106 & ML-181106 | WI 181106BA & 181106BR | WY 4211

For complete licensing information visit nmlsconsumeraccess.org

MORTGAGE DISCLAIMER

Equal Housing Opportunity

Barrett Financial Group, L.L.C. is an Equal Housing Lender and provides Equal Housing Opportunities to all applicants regardless of race, color, religion, sex, handicap, familial status, or national origin.

Loan Commitment Notice

This is not a commitment to lend.

All loan applications are subject to underwriting approval, credit review and verification, income verification, and program guidelines. This is not a loan commitment or guarantee of financing. Terms and conditions are subject to change without notice. Loan programs may not be available in all areas or for all loan amounts. Not all applicants will qualify.

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 and credit score, property type and location, loan amount and down payment, and other factors at the time of application.

Professional Consultation

Please consult with a licensed mortgage loan originator to discuss your specific financing needs and available options.

Contact Tony Fitzgerald at (941) 941-5150

Regulatory Compliance

1st Response Mortgage and Barrett Financial Group, L.L.C. comply with all applicable federal and state mortgage lending laws, including but not limited to Truth in Lending Act, Real Estate Settlement Procedures Act, Equal Credit Opportunity Act, Fair Housing Act, Home Mortgage Disclosure Act, Secure and Fair Enforcement for Mortgage Licensing Act, Florida Fair Lending Act, and Florida Office of Financial Regulation requirements.

PRIVACY POLICY

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 contact forms, or communicate with us by phone, email, or text.

Types of information collected include name, address, phone number, email address, Social Security number, date of birth, employment and income information, financial information, credit history and credit report information, and property information.

How We Use Your Information

We use your personal information to process your mortgage application, verify your identity and creditworthiness, communicate with you about your loan, comply with legal and regulatory requirements, improve our services, and 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.

We do NOT sell your personal information to third parties for marketing purposes.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no internet transmission is completely secure, and we cannot guarantee absolute security.

Your Privacy Rights

You have the right to access your personal information, request corrections to your information, opt-out of marketing communications, and request deletion of your information subject to legal requirements.

Cookies and Tracking

Our website uses cookies and similar tracking technologies to improve user experience and analyze website traffic. You can control cookie settings through your browser.

Contact for Privacy Questions

Tony Fitzgerald

📞 (941) 941-5150

TERMS OF SERVICE

Acceptance of Terms

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 of Website

You agree to use this website only for lawful purposes and in accordance with these Terms. You agree to respect intellectual property rights.

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.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of service of external sites.

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.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this website. Your continued use of the website constitutes acceptance of modified terms.

Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict of law provisions.

ADA ACCESSIBILITY STATEMENT

Our Commitment to Accessibility

1st Response Mortgage is committed to ensuring digital accessibility for people with disabilities. We are continually improving the user experience for everyone and applying the relevant accessibility standards.

Conformance Status

We strive to conform to the Web Content Accessibility Guidelines WCAG 2.1 Level AA standards. These guidelines explain how to make web content more accessible for people with disabilities.

Accessibility Features

Our website includes alternative text for images, keyboard navigation support, clear heading structure, sufficient color contrast, resizable text, and compatibility with screen readers and assistive technologies.

Measures to Support Accessibility

We include accessibility as part of our mission, integrate accessibility into our web development, provide continual accessibility training, assign clear accessibility responsibilities, and employ formal accessibility quality assurance methods.

Feedback and Assistance

We welcome your feedback on the accessibility of our website. If you encounter accessibility barriers contact Tony Fitzgerald at (941) 941-5150 and we will work with you to provide the information or service you need through alternative communication methods.

Third-Party Content

Some content on our website may be provided by third parties not under our control. Such content may not be fully accessible.

Assessment and Remediation

We assess accessibility through self-evaluation, user testing with people with disabilities, and automated accessibility testing tools. We are committed to remediating any identified accessibility issues promptly.

COMMUNICATIONS POLICY

Consent to Electronic Communications

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.

Types of Communications

You may receive loan status updates, document requests, appointment reminders, rate and program information, educational mortgage content, and marketing messages with opt-in consent.

Opt-Out Options

You can opt-out at any time by replying STOP to text messages, clicking unsubscribe in emails, calling (941) 941-5150 to update preferences, or emailing your opt-out request.

Note: Some communications such as loan-specific updates and legal notices cannot be opted out of if you have an active loan application.

Message and Data Rates

Standard message and data rates from your carrier may apply to text messages.

Communication Frequency

Communication frequency varies based on your loan status and preferences. Marketing messages are typically sent no more than 4 times per month.

Automated Technology

We may use automated dialing systems and prerecorded messages. By providing your phone number, you consent to receive such calls.

Update Your Contact Information

Please notify us immediately if your contact information changes by calling (941) 941-5150

ANTI-DISCRIMINATION POLICY

Barrett Financial Group, L.L.C. and 1st Response Mortgage do not discriminate on the basis of race or color, religion, national origin, sex or gender, marital status, age, receipt of public assistance income, exercise of rights under the Consumer Credit Protection Act, disability or handicap, familial status, sexual orientation, or gender identity.

Our Commitment

We are committed to providing equal access to credit and mortgage services for all qualified applicants in accordance with the Fair Housing Act, Equal Credit Opportunity Act, Fair Lending Laws, and Americans with Disabilities Act.

COMPLAINT PROCESS

How to File a Complaint

If you have a complaint about our services:

STEP 1: Contact Us Directly

Tony Fitzgerald - 1st Response Mortgage

📞 (941) 941-5150

We will attempt to resolve your complaint promptly and fairly.

STEP 2: Contact Barrett Financial Group

If not resolved, contact:

Barrett Financial Group, L.L.C.

Compliance Department

2701 East Insight Way, Suite 150

Chandler, AZ 85286

STEP 3: File with Regulatory Agencies

You may also file complaints with:

Florida Office of Financial Regulation

Division of Consumer Finance

200 East Gaines Street

Tallahassee, FL 32399-0372

📞 (850) 487-9687

www.flofr.com

Consumer Financial Protection Bureau

📞 (855) 411-2372

www.consumerfinance.gov/complaint

NMLS Consumer Access

www.nmlsconsumeraccess.org

Response Time

We strive to acknowledge complaints within 2 business days and provide resolution within 15 business days.

CONTACT INFORMATION

Tony Fitzgerald

Mortgage Loan Originator | NMLS 1284924

1st Response Mortgage

Serving Sarasota, Manatee & Charlotte Counties, Florida

Get in Touch

📞 Phone: (941) 941-5150

🌐 Website: www.1rmtg.com

📱 Quick Apply: www.srqfitz.com

Social Media

Facebook | Instagram | TikTok | YouTube | Twitter | LinkedIn

Powered By

Barrett Financial Group, L.L.C.

NMLS 181106 | Florida License MLD1880

2701 East Insight Way, Suite 150

Chandler, AZ 85286

Additional Resources

NMLS Consumer Access - Barrett Financial Group

NMLS Consumer Access - Tony Fitzgerald

Florida Office of Financial Regulation

Consumer Financial Protection Bureau

HUD Fair Housing

Last Updated: January 29, 2025

This page contains important legal disclosures, licensing information, and policies. If you have questions about any of the information provided, please contact Tony Fitzgerald at (941) 941-5150.