Terms & Conditions

Effective Date: 12/01/2023

By accessing, using, or engaging with the services, website, communications, loan application portals, seminars, text messages, emails, or marketing materials of True Rate Mortgage LLC ("Company," "we," "us," or "our"), you agree to be bound by the following Terms and Conditions.

1. Company Information

True Rate Mortgage LLC
NMLS ID: [Insert NMLS ID]
Licensed Mortgage Brokerage
Business Address: 2001 NW 58 TERRRACE, LAUDERHILL FL 33313
Phone: (305)6973771
Email: info@trueratefl.com

True Rate Mortgage LLC operates in accordance with all applicable federal, state, and local laws governing mortgage brokerage and lending services.

2. No Commitment to Lend

All information provided by True Rate Mortgage LLC is for educational and informational purposes only and does not constitute a loan commitment, approval, or guarantee of financing. Loan approval is subject to:

• Lender underwriting guidelines
• Credit approval
• Income and asset verification
• Property appraisal and title review
• Program availability at the time of application

Rates, terms, and programs are subject to change without notice.

3. Equal Housing Opportunity

True Rate Mortgage LLC is an Equal Housing Opportunity company. We do not discriminate based on race, color, religion, national origin, sex, marital status, age, disability, familial status, sexual orientation, gender identity, or receipt of public assistance, in accordance with federal and state law.

4. Consumer Authorization & Accuracy of Information

By submitting an inquiry or application, you certify that:

• All information provided is true, accurate, and complete
• You authorize True Rate Mortgage LLC and its lending partners to:
• Obtain credit reports
• Verify employment, income, assets, and liabilities
• Contact third parties as necessary to process your loan request

Providing false or misleading information may result in denial of services.

5. No Legal, Tax, or Financial Advice

True Rate Mortgage LLC does not provide legal, tax, or accounting advice. You are encouraged to consult with licensed professionals regarding legal, tax, or financial matters related to your transaction.

6. Electronic Communications & E-Sign Consent

By engaging with True Rate Mortgage LLC, you consent to receive communications electronically, including but not limited to:

• Emails
• Text messages (SMS)
• Phone calls (including automated or prerecorded messages where permitted by law)
• Electronic disclosures and documents

You may withdraw consent at any time by providing written notice. Standard message and data rates may apply.

7. SMS/Text Message Compliance

If you opt in to receive text messages:

• Message frequency may vary
• Consent is not required to apply for a loan
• Reply STOP to opt out
• Reply HELP for assistance

True Rate Mortgage LLC complies with TCPA, CTIA, and FCC regulations regarding electronic communications.

8. Marketing & Seminar Disclosures

Attendance at seminars, workshops, or events hosted or promoted by True Rate Mortgage LLC does not guarantee loan approval or specific loan terms.

Any examples, illustrations, or scenarios discussed are for demonstration purposes only and may not reflect actual loan results.

9. Third-Party Lenders & Partners

True Rate Mortgage LLC acts as a mortgage broker and may submit loan applications to multiple third-party lenders. We are not responsible for the policies, decisions, or actions of third-party lenders, developers, or service providers.

10. Privacy & Data Security

We are committed to protecting your personal information. All nonpublic personal information is handled in accordance with:

• The Gramm-Leach-Bliley Act (GLBA)
• Applicable state privacy laws

For more information, please review our Privacy Policy.

11. Limitation of Liability

To the fullest extent permitted by law, True Rate Mortgage LLC shall not be liable for:

• Any indirect, incidental, or consequential damages
• Losses arising from reliance on information provided
• Delays caused by third parties, underwriting, or market conditions

12. Intellectual Property

All content, logos, branding, text, and materials are the property of True Rate Mortgage LLC and may not be copied, reproduced, or distributed without written permission.

13. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the state(s) in which True Rate Mortgage LLC is licensed to operate.

14. Updates & Modifications

True Rate Mortgage LLC reserves the right to modify these Terms and Conditions at any time. Continued use of our services constitutes acceptance of any changes.

15. Contact Information

For questions regarding these Terms and Conditions or compliance matters, please contact:

Compliance Department
True Rate Mortgage LLC
Email: info@trueratefl.com
Phone: (305)697-3771