1. Company Information

Total Mortgage Lending LLC is a mortgage company serving Florida and Georgia.

Total Mortgage Lending LLC
NMLS 1779594
Website: www.totalmortgagelending.com
Phone: (833) 832-6865
Email: admin@totalmortgagelending.com
Hours: Monday through Friday, 9:00 AM – 6:00 PM

Consumers may verify mortgage licensing information through NMLS Consumer Access at www.nmlsconsumeraccess.org.

2. No Guarantee of Loan Approval

Use of our website, submission of an inquiry, completion of an application, receipt of a quote, prequalification, pre-approval, loan estimate, or other communication does not guarantee loan approval, final underwriting approval, interest rate, loan terms, down payment assistance approval, closing, funding, or availability of any specific loan program.

All loans are subject to borrower qualification, income and asset verification, credit approval, property approval, appraisal, title review, insurance acceptability, underwriting conditions, investor requirements, lender overlays, program availability, regulatory requirements, and final approval by the applicable lender or investor.

3. Mortgage Broker and Third-Party Relationships

Total Mortgage Lending LLC may act as a mortgage broker or otherwise work with wholesale lenders, investors, vendors, and service providers to assist with mortgage financing options. Third-party lenders and service providers may have their own terms, fees, underwriting criteria, disclosures, privacy policies, timelines, and requirements.

We are not responsible for the independent acts, omissions, decisions, system availability, underwriting determinations, rate changes, pricing adjustments, closing delays, or program changes of third-party lenders, investors, agencies, municipalities, title companies, insurance providers, appraisal vendors, credit vendors, or other third parties.

4. Website Content Is Informational

Website content, calculators, articles, guides, emails, social media posts, course materials, mortgage examples, and other educational information are provided for general informational purposes only. They are not legal, tax, financial, accounting, insurance, credit repair, real estate, or investment advice.

You should consult appropriate licensed professionals for advice specific to your situation.

5. Quotes, Rates, Payments, and Program Information

Any rates, fees, payments, cash-to-close estimates, loan scenarios, down payment assistance examples, or program information are estimates only unless specifically stated otherwise in required disclosures. Actual terms may change based on market conditions, borrower qualifications, property information, credit profile, loan amount, occupancy, property type, lock status, lender/investor requirements, third-party fees, taxes, insurance, title charges, prepaid items, escrow requirements, and other factors.

Interest rates and program availability may change without notice. A rate is not locked unless confirmed through the applicable lender’s formal rate lock process.

6. User Responsibilities

You agree to provide accurate, complete, and current information when communicating with us, submitting forms, uploading documents, or applying for mortgage services.

You are responsible for promptly notifying us of changes that may affect your loan eligibility or transaction, including changes to income, employment, assets, liabilities, credit, occupancy plans, marital status where relevant, property terms, contract terms, insurance, title, or source of funds.

You agree not to submit false, misleading, fraudulent, altered, incomplete, or unauthorized information. Mortgage fraud is a serious offense and may result in denial of credit, cancellation of an application, regulatory reporting, civil liability, or criminal penalties.

7. Electronic Communications and E-Sign Consent

By contacting us electronically, submitting online forms, or providing your email address or phone number, you consent to receive communications electronically where permitted by law. Electronic communications may include emails, text messages, electronic disclosures, document requests, notices, reminders, and status updates.

Certain mortgage disclosures may require separate electronic consent under applicable law. If required, we or the applicable lender, vendor, or platform may request your consent to receive disclosures electronically and may provide instructions for withdrawing consent.

8. SMS and Telephone Communications

By providing your telephone number, you authorize Total Mortgage Lending LLC and its representatives to contact you regarding your inquiry, application, loan transaction, requested services, appointments, document needs, educational resources, and related matters.

Where permitted by law and with required consent, we may use calls, text messages, prerecorded messages, or automated technology. Message and data rates may apply. Consent to receive marketing calls or text messages is not required as a condition of obtaining credit or services.

You may opt out of marketing texts by replying STOP, END, CANCEL, UNSUBSCRIBE, QUIT, or similar words, or by contacting us directly. We will process opt-out requests in accordance with applicable law.

9. Acceptable Use

You agree not to use our website, forms, systems, or communications channels to:

• Violate any law, regulation, or third-party right
• Submit fraudulent, misleading, defamatory, abusive, obscene, or unlawful content
• Attempt to gain unauthorized access to our systems, accounts, networks, or data
• Upload viruses, malware, harmful code, or disruptive content
• Interfere with website security, functionality, or availability
• Scrape, copy, harvest, or misuse website data without authorization
• Impersonate another person or misrepresent your identity or authority

We may restrict or terminate access to our website or services if we believe these Terms have been violated.

10. Intellectual Property

All website content, branding, text, graphics, logos, designs, documents, forms, educational materials, workflows, and other materials provided by Total Mortgage Lending LLC are owned by or licensed to Total Mortgage Lending LLC unless otherwise stated.

You may use our materials for your personal, noncommercial mortgage inquiry or transaction. You may not copy, reproduce, distribute, sell, modify, publish, or create derivative works from our materials without prior written permission.

11. Third-Party Links and Portals

Our website or communications may link to third-party websites, portals, applications, payment platforms, lender systems, document upload systems, credit vendors, e-signature platforms, or other services. These third-party services are governed by their own terms and privacy policies.

We are not responsible for third-party content, availability, security, fees, practices, disclosures, or decisions.

12. Down Payment Assistance and Special Programs

Information about down payment assistance, grants, forgivable loans, deferred payment loans, municipal programs, bond programs, nonprofit assistance, or other special programs is provided for informational purposes only and may change at any time.

Approval for any assistance program is subject to the program administrator’s eligibility rules, funding availability, documentation requirements, property requirements, income limits, purchase price limits, occupancy rules, underwriting review, closing timelines, and final approval.

Total Mortgage Lending LLC does not guarantee approval, funding, reservation, or continued availability of any assistance program.

13. No Legal, Tax, or Financial Advice

Total Mortgage Lending LLC does not provide legal, tax, estate planning, accounting, investment, insurance, or credit repair advice. Any discussion of these topics is for general informational purposes only. You should consult qualified professionals for advice specific to your circumstances.

14. Disclaimers

Our website and materials are provided on an “as is” and “as available” basis. We do not warrant that our website will be uninterrupted, error-free, secure, or free from viruses or harmful components.

To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, and reliability.

15. Limitation of Liability

To the fullest extent permitted by law, Total Mortgage Lending LLC and its owners, officers, employees, contractors, representatives, affiliates, vendors, and service providers shall not be liable for indirect, incidental, consequential, special, punitive, or exemplary damages arising out of or related to your use of our website, reliance on information, communications with us, delay in processing, third-party actions, system failures, or inability to obtain financing.

Nothing in these Terms limits liability where such limitation is prohibited by law.

16. Indemnification

You agree to indemnify and hold harmless Total Mortgage Lending LLC and its owners, officers, employees, contractors, representatives, affiliates, vendors, and service providers from any claims, losses, damages, liabilities, costs, or expenses arising from your violation of these Terms, your misuse of our website or services, your submission of inaccurate or unauthorized information, or your violation of applicable law or third-party rights.

17. Privacy

Your use of our website and services is also governed by our Privacy Policy, which is incorporated into these Terms of Service by reference.

18. Changes to These Terms

We may update these Terms of Service from time to time. The updated version will be posted on our website with a revised “Last Updated” date. Your continued use of our website or services after changes are posted means you accept the updated Terms.

19. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles, unless another jurisdiction’s law is required by applicable law.

For consumers located in Georgia or other jurisdictions where Total Mortgage Lending LLC is authorized to conduct business, applicable state and federal consumer protection laws may also apply.

20. Contact Information

If you have questions about these Terms of Service, please contact:

 

Total Mortgage Lending LLC
NMLS 1779594
www.totalmortgagelending.com
Phone: (833) 832-6865
Email:admin@totalmortgagelending.com
Hours: Monday through Friday, 9:00 AM – 6:00 PM