Terms of Service and Conditions

Mortgage Brokerage Services: Xact Mortgage acts as a mortgage broker and does not make mortgage loans or commitments. We work on your behalf to arrange financing from third-party lenders. Any prequalification, pre-approval, or rate quote provided through our website or third-party portal is an estimate based on the preliminary information you provided. It does not constitute a commitment to lend, a lock-in agreement, or a guarantee of loan approval. Final loan approval is subject to full underwriting, asset/income verification, and a property appraisal.

Use of Third-Party Technology Portals: To submit a prequalification or refinance application, you will be redirected to our secure third-party Point of Sale (POS) platform. While we select trusted vendors, Xact Agency does not own or control these third-party platforms. Your use of the online portal is subject to the terms and privacy policies of that specific platform provider. Xact Agency is not responsible for any technical interruptions, data transmission delays, or system errors occurring on third-party sites.

Accuracy of Information and Credit Authorization: By submitting a prequalification request or a refinance application, you certify that all information provided (including income, employment history, assets, and property details) is true, accurate, and complete. Providing false information may result in the denial of your application or legal penalties. You authorize Xact Agency to verify the information provided and, where explicitly authorized by you during the application process, to obtain a consumer credit report from one or more credit repositories.

Electronic Communications and Signatures (E-Sign): By utilizing our online application portals, you consent to receive disclosures, notices, and loan documentation electronically. You agree that any electronic signature, click-to-consent, or checkbox acknowledgement you provide through our website or third-party POS platform carries the same legal weight as a handwritten signature.

SMS & Text Messaging: By providing your phone number and checking the consent box, you authorize Xact Agency to send automated and manual text messages regarding your loan status, appointment reminders, and requested mortgage information.

• Consent: Consent is not a condition of purchase or any loan commitment.

• Opt-Out: Reply STOP to cancel at any time.

• Support: Reply HELP for assistance or email [email protected]

• Rates/Frequency: Message frequency varies. Message and data rates may apply. Carriers are not liable for delayed or undelivered messages.

• Age Requirement: By using our services or providing your consent, you certify that you are at least 18 years of age.

Disclosures: As required by RESPA, you will receive a Loan Estimate (LE) and other mandatory disclosures within three business days of a completed application.

NMLS Disclosure: Xact Mortgage is a licensed mortgage broker, NMLS # 2485154, DRE 02154738