1. Use of Website

By using this website, you represent that you are at least 18 years old and legally capable of entering into binding contracts. You agree to use the website only for lawful purposes and in accordance with these Terms.

2. No Guarantee of Loan Approval

Submitting information through our website does not guarantee loan approval or a commitment to lend. Loan approval is subject to verification of information, creditworthiness, and other conditions. All loans are subject to underwriting approval.

3. Changes to Rates, Terms, and Products

Rates, terms, and loan products presented on our website are subject to change without notice. The information provided is for informational purposes only and does not constitute a loan offer or commitment. Final loan terms will be provided upon formal application and approval.

4. Equal Housing Opportunity

We are an Equal Housing Lender. We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age, or because all or part of an applicant's income comes from any public assistance program.

5. Privacy Policy

Your use of our website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using this website, you consent to the practices described in our Privacy Policy.

6. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Four Mile Mortgage and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works from any content without our prior written consent.

7. Limitation of Liability

To the fullest extent permitted by law, Four Mile Mortgage is not liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of the website. We do not guarantee that the website will be error-free, uninterrupted, or free from viruses or other harmful components.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of use of any third-party sites. Accessing these links is at your own risk.

9. SMS Communications and Consent

By providing your mobile phone number and checking the SMS consent boxes on our website, you agree to the following terms:

• Description of SMS Use Cases: We use SMS to send transactional messages (loan updates, account alerts, reminders) and, if you opt in, marketing messages (promotional offers, rate updates, product information).
• Opt-Out Instructions: You may opt out of SMS messages at any time by replying "STOP" to any text message. You will receive a confirmation that you have been unsubscribed. To resubscribe, reply "START" or contact us directly.
• Customer Support Contact: For assistance with SMS messages, reply "HELP" to any message, call us at 720-702-4706, or email [email protected].
• Message & Data Rate Disclosure: Message and data rates may apply based on your mobile carrier plan. Standard messaging rates from your carrier will apply to all SMS messages sent and received.
• Carrier Liability Disclaimer: Mobile carriers are not liable for delayed or undelivered messages. Four Mile Mortgage is not responsible for message delivery issues caused by your mobile carrier or device.
• Age Restriction: You must be 18 years or older to consent to receive SMS messages from Four Mile Mortgage LLC.
• Link to Privacy Policy: Your SMS consent and mobile information are governed by our Privacy Policy.
• No Third-Party Sharing: Four Mile Mortgage will not transfer or assign your consent to receive marketing messages to a third party or share information gathered solely from the SMS program with third parties for their marketing purposes.

10. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website constitutes your acceptance of the modified Terms.

11. Disclaimer

The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.

12. Contact Information

If you have any questions about these Terms, please contact us: