Tory Pietzsch operates as an Equal Housing Opportunity Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN
ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 N. LAMAR,
SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT www.sml.texas.gov. A
TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN
ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN
ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE
DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S
WEBSITE AT www.sml.texas.gov.ARIZONA
Licensed as a Arizona Mortgage Loan Officer RMLO No. 1044994
ARKANSAS
Licensed as a Arkansas Mortgage Loan Officer License RMLO No. 124492
CALIFORNIA
Licensed as a California – DFPA Mortgage Loan Originator License RMLO No. CA-
DFPI318608COLORADO
Licensed as a Colorado Mortgage Loan Officer License RMLO No. 100514771
Mortgage Company Registration – Regulated by the Division of Real Estate –
www.dora.state.co.us/real-estate
FLORIDA
Licensed as a Florida Mortgage Loan Officer License RMLO No. LO72475
IDAHO
Licensed as a Idaho Mortgage Loan Officer License RMLO No. MLO-2080318608
KANSAS
Licensed as a Kansas Mortgage Loan Officer License RMLO No. LO.0039616
MISSOURI
Licensed as a Missouri Mortgage Loan Officer License RMLO No. MO-318608
TENNESSEE
Licensed as a Tennessee Mortgage Loan Officer License RMLO No. 235119
TEXAS
SML Mortgage Banker Registration. SML Residential Mortgage Loan Servicer
Registration 3029As you would expect, we offer various ways to communicate with our representatives to make sure your experience with us is as convenient as possible. In addition to speaking with us by phone, we may also provide communication to you through email, text messages, and other forms of communication.
Email and text messages you receive from us are conditioned upon your agreement to the following Email and Text Message Policy.
We do not share any information we obtain for SMS consent with any third-party affiliates or third parties.
All incoming and outgoing emails from us are subject to our monitoring by individuals who are not the specified recipient or sender whether or not any notice of such monitoring is given to the recipient or sender. We also may record or monitor other communication you have with us through other forms of communication, such as our website, text messages, social media, telephone, etc. Your use of forms of communication with us is your consent to the recording and monitoring of this communication.
A computer virus can be transmitted through email, attachments, and links embedded in emails. Although we believe our emails are free of any viruses or other defects that might affect a receiving computer system that receives such messages, it is the recipient’s responsibility to make sure that any email they open is free of viruses or other defects. We are not responsible for any loss or damage arising in any way from the receipt, use, storage, or transmission of our emails. If we forward an email or reply to a previous email, the content of such email may include information created by
someone other than us or our employees/agents and we assume no liability whatsoever for such information. WE DISCLAIM ANY REPRESENTATION OR WARRANTY THAT OUR EMAILS ARE VIRUS FREE AND/OR ERROR FREE. Any use of email to introduce any virus, malicious or disabling code, or to otherwise obstruct any of our emails, other communication, or computer systems is prohibited and in violation of the law. Violators will be prosecuted to the fullest extent of the law.All emails received by you from us shall not constitute an electronic signature unless we provide explicit and specific language in the email stating otherwise. If you receive an email communication from us, such email is not intended to provide or confirm an interest rate lock, an unconditional loan commitment, an unconditional loan approval, unconditional qualification, or any unconditional offer or agreement for us to offer a loan. Documents and agreements, in most cases, are sent to you in a formal and signed writing from us.
Emails which include our legal and compliance departments may contain privileged information that is subject to the attorney/client privilege and/or the attorney/work product privilege. Any privilege attached to this information will not be waived if you inadvertently receive such information through email. If you receive an email and you are not the intended recipient, please notify the sender and delete or destroy the communication. Any unauthorized use, disclosure, reproduction, or distribution of confidential or privileged information is prohibited.
We disclaim any and all liability, which includes responsibility based upon negligence or negligent misstatement, for the correctness, comprehensiveness, or reliability of the data and information provided through our emails and we make no warranty, express or implied, with respect to such data or information.
When you provide your phone number and agree to receive text messages from us, you are providing express written consent to us, along with our affiliates, agents, and service providers, to contact you regarding your application, loan, or other services via text message or phone call, even if the telephone number you provide is included in a corporate, state or national Do Not Call Registry. You understand and agree that your consent to receive messages or calls is not a requirement for using our services. Through your communication with us by phone and agreeing with this policy, Terms of Use, and Privacy Policy, you consent to the monitoring and recording of your calls. Message and data rates may apply depending on your wireless plan and phone provider.
You understand and agree that we are not, and shall not be, responsible for the effect of any deficiencies that may exist or come to exist on our website or our operations in connection with text messaging. To the maximum amount permitted by law, we hereby expressly disclaim all warranties of any kind, express or implied, including, but not limited to, the implied warranty of merchantability and fitness for a particular purpose.
You understand, represent, and agree that you are the authorized user of the account for the telephone number you provided to us for communication. You must notify us immediately if you change your telephone number and you agree to indemnify us or any party communicating with the phone number you provided to us in full for any and all claims, expenses, and damages resulting from the Telephone Consumer Protection Act. If you wish to opt out from receiving text messages from us, please
Provisions Applicable to Text Message and Email Policies
Governing Law
By providing your email address and/or agreeing to use text messaging as a form of communication with us, you agree that the laws of the State of Texas, without regard to principles of conflict of laws, will govern this communication and any dispute that may arise therefrom. You also agree that any action at law or in equity resulting from this communication shall only be filed in the state or federal courts located in Tarrant County, Texas, and you consent to submit to the personal jurisdiction of such courts for the litigation of any such action.
Disclaimers and Licenses
We are an Equal Housing Lender and fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from Efinity Mortgage will never be discouraged on the basis of race, color, religion, national origin, sex, military status, marital status, age, or because you receive public assistance.
Reservation of Rights
We reserve all rights as to our content in all of our emails and text messages. Reproduction, use, or distribution requires our prior express written permission. The only statements that may be published and attributable to us are those issued by the Company’s President or other executive officers.
Our Privacy Policy and Terms of Use
Our Privacy Policy is available here (link to Privacy Policy) and our Terms of Use is available here (link to Terms of Use). By opting in to receive text messages or by providing your email address for correspondence, you agree to the terms of our Privacy Policy and Terms of Use in addition to this Email and Text Message Policy.
To Stop Receiving Text Messages from Us
If you no longer wish to receive text messages from us, you may unsubscribe by texting the word STOP in response to any text messages you have received from us. Once we confirm you no longer wish to receive text messages you will receive a final confirmation of your election and will no longer receive future text messages.
Inquiries About Text Messages or Emails
If you have a complaint about any text message or email you receive from us or a party on our behalf, please call or email us.