1. Acceptance of Terms

By accessing or using this website (the “Site”), you agree to these Terms & Conditions (“Terms”) and our Privacy Policy. If you do not agree, do not use the Site.

2. Brokerage Status

Product availability, qualification criteria, and documentation requirements are determined by participating lenders and applicable law.

Equal Housing Opportunity. NMLS ID: [Insert NMLS].

3. Eligibility & Applications

• You represent you are at least 18 and legally able to enter a binding agreement.
• Information you provide must be accurate, complete, and current.
• Submission of information does not guarantee approval, specific terms, or timing.

4. Rates, APR & Estimates

Any rates, fees, payments, or timelines displayed are illustrative only and subject to change without notice. Actual pricing depends on market conditions, credit profile, program selection, documentation, and lender underwriting.

5. Site Tools & Calculators

Calculators, checklists, and estimators are provided “as is” for educational purposes and are not offers, commitments, or guarantees of approval, rate, payment, or timing.

6. Content, Intellectual Property & License

All Site content, trademarks, logos, and designs are owned by Phoenix Mortgage Pro or its licensors and protected by law. You may not copy, modify, distribute, reverse engineer, or create derivative works without prior written consent.

7. Acceptable Use

• No illegal, harmful, or fraudulent activity.
• No automated scraping, harvesting, or load-testing without consent.
• No interference with Site security, availability, or integrity.

8. Third-Party Links & Content

The Site may reference or link to third-party sites or services. We do not control or endorse third-party content and are not responsible for their practices or materials.

9. Privacy & Data Practices

Our collection and use of personal information is described in our Privacy Policy. By using the Site, you consent to those practices.

10. Consent to Communications

By providing your contact information, you consent to receive calls, texts, emails, and prerecorded messages regarding your inquiry, application, or related offers. Message and data rates may apply. Reply STOP to opt out of texts. Consent is not a condition of credit or services.

11. E-Sign Disclosures

Where permitted, we and lenders may present documents electronically and accept e-signatures. You agree to transact electronically and will ensure you can access, view, and retain electronic records as required.

12. Disclaimers & Limitation of Liability

The Site and its content are provided “as is” and “as available” without warranties of any kind. To the maximum extent permitted by law, Phoenix Mortgage Pro disclaims all implied warranties and will not be liable for indirect, incidental, special, consequential, or punitive damages arising from Site use or reliance on Site content.

13. Indemnification

You agree to indemnify and hold harmless Phoenix Mortgage Pro and its affiliates from claims arising out of your violation of these Terms or misuse of the Site.

14. Governing Law & Venue

These Terms are governed by the laws of the state where Phoenix Mortgage Pro is licensed and principally conducts business. Exclusive venue lies in the courts of that state and county, unless applicable law requires otherwise.

15. Changes to These Terms

We may update these Terms at any time. Material updates will be reflected by the “Effective date” above. Continued use of the Site after changes constitutes acceptance.

16. Contact

Questions? We’re here to help.