Terms of Service
Effective Date: [Insert Today’s Date]
Welcome to 1st Response Mortgage. By accessing or using our website, services, forms, or communications, you agree to be bound by the following Terms of Service. If you do not agree to these terms, please do not use our services.
1. Use of Website and Services
Our website and services are provided for informational purposes and loan consultation. You must be at least 18 years old and a resident of the United States to submit information for mortgage-related services.
We reserve the right to modify, suspend, or discontinue any part of our services at any time without prior notice.
2. No Guarantee of Loan Approval
Submitting a form, inquiry, or application does not guarantee loan approval or rate lock. Loan approval is subject to underwriting, documentation, credit checks, and current program availability.
3. Communication Consent
By providing your contact information, you consent to receive communications from us via:
Phone
Voicemail
SMS and MMS (text messaging)
These messages may include appointment reminders, updates, educational resources, and promotional offers. Message frequency may vary. Message & data rates may apply.
You may opt out at any time by replying STOP to SMS messages or by contacting us at [email protected].
We comply with TCPA, CAN-SPAM, and A2P 10DLC messaging regulations.
4. Intellectual Property
All content, logos, branding, designs, and written materials on this website are the property of 1st Response Mortgage unless otherwise noted. Reproduction or use without permission is prohibited.
5. Third-Party Links
We may provide links to third-party sites (e.g., real estate agent partners, vendor tools, blogs). We are not responsible for the content or accuracy of those sites and do not endorse or assume any liability for their use.
6. Limitation of Liability
We are not liable for any damages resulting from:
Delayed loan approvals
Website downtime
Incorrect information submitted by users
Third-party vendor errors
All mortgage estimates are subject to change until formally locked and disclosed by a licensed loan officer.
7. User Responsibilities
You agree to:
Provide truthful and accurate information
Refrain from submitting fraudulent data
Not attempt to interfere with website functionality
8. Privacy
Your privacy is important to us. Please refer to our Privacy Policy for how we collect, use, and protect your information.
9. Governing Law
These Terms are governed by the laws of the State of Florida. Any disputes shall be resolved in the appropriate courts of Sarasota County, Florida.
9. Governing Law
These Terms are governed by the laws of the State of Florida. Any disputes shall be resolved in the appropriate courts of Sarasota County, Florida.
10. Changes to Terms
We may update these Terms of Service at any time. Continued use of our website or services indicates your agreement to any updated terms.
11. 1st Response Mortgage is a registered DBA (Doing Business As) and advertising name powered by Mpire Financial, LLC.
Mpire Financial, LLC NMLS #2167443
Tony Fitzgerald NMLS #2167455
Office Address: 2450 Maitland Center Parkway, Suite 200, Maitland, FL 32751
For licensing information, visit www.nmlsconsumeraccess.org
Contact Us
If you have any questions about the terms if service, please contact us:
Email: [email protected]
Phone: (941) 809‑5150
About Us
Welcome to 1st Response Mortgage, where your homeownership dreams come to life with expert guidance and a personal touch. I’m Tony Fitzgerald, known as the Mortgage Jedi, and I’m excited to share our story and mission with you.
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Company NMLS: 2108504
Equal Housing Opportunity
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Mortgage Disclaimer:
1st Response Mortgage is a registered DBA of Mpire Financial, LLC | NMLS #2167443. Tony Fitzgerald | NMLS #2167455. Mpire Financial, LLC is a licensed mortgage brokerage and Equal Housing Opportunity lender. All loan applications are subject to underwriting approval, credit review, 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.
Mpire Financial, LLC is licensed in the state of Florida.
Office Address: 2450 Maitland Center Parkway, Suite 200, Maitland, FL 32751
For licensing information, visit www.nmlsconsumeraccess.org.
This communication is intended for informational purposes only and is not an offer to extend credit or a solicitation to lend. Rates, fees, and program guidelines are subject to change. Not all applicants will qualify. Please consult with a licensed mortgage loan originator to discuss your specific financing needs and available options.