Terms of Service

Last Updated: September 5, 2026

Welcome to The Mortgage Collective. These Terms of Service (“Terms”) govern your access to and use of the website located at mymortgagecollective.com, including any related pages, features, tools, forms, calculators, chat features, and services made available through the website (collectively, the “Website”).

The Website is operated by The Mortgage Collective, LLC (“The Mortgage Collective,” “we,” “us,” or “our”).

By accessing or using the Website, you agree to these Terms. If you do not agree with these Terms, please do not use the Website.

1. General Information Only

The information provided through this Website is for general informational and educational purposes only.

Nothing on this Website constitutes a commitment to lend, loan approval, guarantee of financing, or an offer to extend credit.

Mortgage programs, rates, terms, fees, eligibility requirements, and availability may vary based on factors including creditworthiness, property type, loan amount, location, market conditions, investor requirements, and applicable laws.

All loans are subject to underwriting, applicable eligibility requirements, and credit approval.

2. No Financial, Legal, or Tax Advice

Information provided through the Website should not be considered financial, legal, tax, accounting, or investment advice.

You should consult with qualified professionals regarding your specific circumstances before making financial, legal, tax, or real estate decisions.

3. Mortgage Applications and Information You Provide

You may have the opportunity to provide information through forms, chat features, loan applications, or other tools made available through or linked from the Website.

You agree that information you submit will be accurate and complete to the best of your knowledge.

Submitting information through the Website does not create a lender-borrower relationship, guarantee loan approval, or obligate The Mortgage Collective to provide financing.

Additional disclosures, authorizations, documentation, and agreements may be required before any mortgage transaction can proceed.

4. Electronic Communications

By providing your email address, telephone number, or other contact information, you authorize The Mortgage Collective to communicate with you regarding your inquiry, application, requested services, or existing relationship, subject to applicable law and the consent you provide.

Communications may include email, telephone calls, or text messages.

5. SMS Terms and Consent

Where you expressly consent to receive text messages from The Mortgage Collective, you agree that we may send SMS or MMS messages to the telephone number you provide.

Messages may include communications regarding your inquiry, mortgage application, appointment scheduling, requested services, account-related matters, and other communications consistent with the consent you provided.

Message frequency may vary. Message and data rates may apply.

Consent to receive text messages is not a condition of purchasing any product or service.

You may opt out of SMS communications at any time by replying STOP to any message.

For assistance, reply HELP or contact us using the information provided below.

Carriers are not liable for delayed or undelivered messages.

Your mobile information will not be sold or shared with third parties for their own marketing or promotional purposes. Information may be shared with service providers or other parties as necessary to provide the services you request, operate our communications systems, comply with law, or as otherwise described in our Privacy Policy.

6. Third-Party Services and Links

The Website may contain links to third-party websites, applications, mortgage application platforms, calculators, social media platforms, or other services.

These third-party services are operated independently from The Mortgage Collective.

We are not responsible for the availability, accuracy, security, privacy practices, content, or operation of third-party websites or services.

Your use of third-party services is subject to the terms and privacy policies of those providers.

7. Mortgage Calculators and Estimates

Any mortgage calculators, affordability tools, payment estimates, or similar tools available through the Website are provided for informational and educational purposes only.

Calculations are estimates and may not reflect actual loan terms, closing costs, taxes, insurance, interest rates, mortgage insurance, association fees, or other costs associated with a particular transaction.

Calculator results do not constitute a loan estimate, loan offer, prequalification, preapproval, or commitment to lend.

8. Intellectual Property

Unless otherwise stated, the content of the Website, including text, graphics, logos, photographs, videos, designs, branding, and other materials, is owned by or licensed to The Mortgage Collective and is protected by applicable intellectual property laws.

You may access and use the Website for your personal, non-commercial use.

You may not reproduce, distribute, modify, republish, sell, publicly display, or commercially exploit Website content without prior written authorization from The Mortgage Collective.

9. Acceptable Use

You agree not to:

Use the Website for unlawful, fraudulent, or abusive purposes.
Attempt to gain unauthorized access to the Website, servers, systems, accounts, or data.
Introduce viruses, malware, malicious code, or other harmful technology.
Interfere with the operation or security of the Website.
Use automated systems to scrape, collect, or extract Website content or data without authorization.
Impersonate another person or provide false or misleading information.

10. Website Availability and Accuracy

We attempt to provide accurate and current information, but we do not guarantee that all Website content will always be complete, accurate, current, or error-free.

Mortgage programs, guidelines, rates, market information, and other content can change without notice.

We may modify, suspend, discontinue, or restrict access to any portion of the Website at any time.

11. Disclaimer of Warranties

The Website and its content are provided on an “as is” and “as available” basis.

To the fullest extent permitted by law, The Mortgage Collective disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, availability, and non-infringement.

We do not warrant that the Website will be uninterrupted, secure, error-free, or free from harmful components.

12. Limitation of Liability

To the fullest extent permitted by applicable law, The Mortgage Collective and its owners, officers, employees, contractors, agents, affiliates, and service providers will not be liable for indirect, incidental, special, consequential, or punitive damages arising from or relating to your use of, or inability to use, the Website.

Nothing in these Terms limits liability that cannot legally be excluded or limited under applicable law.

13. Privacy

Your use of the Website is also subject to our Privacy Policy, which explains how we collect, use, disclose, and protect personal information.

The Mortgage Collective’s existing Privacy Policy describes information collected through applications, forms, consumer reporting sources, and other mortgage-related interactions.

14. Equal Housing Opportunity and Licensing

The Mortgage Collective, LLC is a mortgage broker.

NMLS #2469778
Arizona Mortgage Broker License #AZMB-2008586

Equal Housing Opportunity.

This is not a commitment to lend. All loans are subject to applicable underwriting requirements and credit approval.

Licensing information may also be verified through the Nationwide Multistate Licensing System & Registry Consumer Access website.

15. Governing Law

These Terms will be governed by and construed in accordance with the laws of the State of Arizona, without regard to conflict-of-law principles.

To the extent permitted by law, disputes arising from these Terms or your use of the Website will be subject to the jurisdiction of the appropriate state or federal courts located in Arizona.

16. Changes to These Terms

We may update these Terms periodically.

When changes are made, the updated version will be posted on this Website with a revised “Last Updated” date.

Your continued use of the Website following the posting of updated Terms constitutes acceptance of those changes.

17. Contact Us

If you have questions about these Terms, please contact:

The Mortgage Collective, LLC
7257 S Atwood Ste 106
Mesa, AZ 85212

Email:Gavin@mymortgagecollective.com
Phone: 480-297-9421