Terms of Service

TRUE RATE MORTGAGE LLC

Effective Date: June 3, 2026

By submitting an inquiry, requesting mortgage information, applying for a home loan, requesting a consultation or rate quote, or otherwise communicating with TRUE RATE MORTGAGE LLC ("Company," "we," "our," or "us") through our website, phone, email, or SMS, you agree to be bound by these Terms of Service ("Terms"). Please read them carefully before using our services.

1. Services Provided

True Rate Mortgage LLC offers mortgage lending and home financing services, which may include, but are not limited to:

Home purchase loans, Mortgage refinancing solutions.

FHA, VA, Conventional, and Jumbo loan programs,

First-time homebuyer assistance, Investment property financing.

Pre-approvals and pre-qualifications, Cash-out refinancing, Mortgage consultations and loan guidance.

All services are subject to borrower qualification, loan program requirements, property eligibility, and applicable federal, state, and local regulations.

2. By providing your mobile phone number and opting in, you consent to receive text messages from True Rate Mortgage LLC regarding:

  • Mortgage inquiries and follow-up communications

  • Loan application updates and status notifications

  • Appointment confirmations and reminders

  • Requests for documentation or additional information

  • Customer support and account-related communications

  • Promotional offers, mortgage rate updates, and other marketing messages (only if you have separately opted in)

Message frequency varies. Standard message and data rates may apply.

You can opt out of receiving SMS messages at any time by replying STOP to any message. For assistance, reply HELP or contact us directly.

Your consent to receive text messages is not a condition of purchasing any product or obtaining mortgage financing or services from True Rate Mortgage LLC.

SMS opt-in information and phone numbers collected for SMS communications will not be shared with third parties or affiliates for marketing purposes.

3. Customer Responsibilities

By applying for a loan, scheduling a consultation, or using our services, you agree to:

Provide accurate and complete financial, employment, and personal information.

Submit all required documentation in a timely manner.

Respond promptly to requests for additional information during the loan process.

Notify us of any significant changes to your financial situation, employment, or property details.

Communicate cancellations or appointment rescheduling requests at least 24 hours in advance, when possible.

Failure to meet these responsibilities may result in delays in processing, changes to loan eligibility, or an inability to proceed with financing services.

4. Payments & Cancellations

Payment is due as outlined in your invoice or contract.

Cancellations made with less than 24 hours’ notice may incur a service fee.

Returned checks, failed transactions, or chargebacks may result in additional charges.

Financing or payment plan availability is subject to approval.

5. Liability & Limitations

True Rate Mortgage LLC is not responsible for:

Loan denials resulting from borrower qualifications, credit history, income verification, property eligibility, or lender underwriting decisions.

Delays caused by third parties, including lenders, appraisers, title companies, insurance providers, employers, or government agencies.

Changes in interest rates, loan terms, or program availability beyond our control.

Inaccurate, incomplete, or outdated information provided by the borrower.

Financial decisions made by borrowers based on factors outside the scope of our services.

Our liability for any claim arising from our services shall be limited to the fees paid directly to True Rate Mortgage LLC for the services provided, to the extent permitted by applicable law.

6. Warranties

True Rate Mortgage LLC does not guarantee loan approval, specific interest rates, loan terms, or financing outcomes. Mortgage products, rates, and approval decisions are subject to lender requirements, underwriting guidelines, market conditions, and borrower qualifications.

Any information provided by True Rate Mortgage is intended for educational and guidance purposes only. Final loan approval, rates, terms, and conditions will be determined by the lending institution and disclosed in the applicable loan documents.

7. Intellectual Property

All marketing materials, photos, videos, and website content created by True Rate Mortgage LLC are the property of the company and may not be copied, distributed, or reused without written permission.

8. Modifications

We reserve the right to update these Terms at any time. Updates will be posted on our website with a new effective date. Continued use of our services indicates your acceptance of any changes.

9. Contact

📧 [email protected]
Phone: 786-488-0123

Copyright 2026 . All rights reserved