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 — Mpire Financial Group LLC

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 Mpire Financial Group LLC 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

Texas consumer notice

Figure: 7 TAC §80.200(b) — CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.

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 Mpire Financial Group LLC 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, Mpire Financial Group LLC, 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 Mpire Financial Group LLC 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 Mpire Financial Group LLC 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.

We are focused on providing financial products and services to all customers in compliance with all Federal and State regulatory policies including but not limited to consumer protection, fair lending and civil rights laws.

Mpire Financial Group LLC and 1st Response Mortgage do not discriminate on the basis of:

It is our policy to respond to customer complaints, disputes and issues immediately, to take each complaint seriously, to investigate each complaint however small, and to take remedial action swiftly. Every complaint is documented and logged on receipt. To raise a concern, contact Tony Fitzgerald directly at (941) 941-5150 or [email protected]; unresolved concerns are escalated to Mpire Financial Group LLC.