Terms of Service

Agreement to Terms

By accessing or using the IR Mortgages website and services ("Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Services.

Services Provided

The IR Mortgages provides the following services:

• Mortgage loan origination and consultation
• Home financing solutions for purchase and refinance
• Pre-qualification and pre-approval services
• Loan program guidance and recommendations
• Market analysis and rate information
• Property financing consulting for residential real estate

Licensing and Regulatory Information

Mortgage Lending: Guaranteed Rate operates under NMLS #1604663. All mortgage activities are subject to federal and state regulations including RESPA (Real Estate Settlement Procedures Act), TILA (Truth in Lending Act), and applicable state licensing requirements.

Equal Housing Opportunity: We comply with all federal, state, and local fair housing laws and do not discriminate based on race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity.

User Obligations

When using our Services, you agree to:

• Provide accurate and truthful information
• Update your information as necessary to maintain accuracy
• Not misrepresent your financial situation or eligibility
• Comply with all applicable laws and regulations
• Not use the Services for fraudulent or illegal purposes
• Maintain the confidentiality of your account credentials

No Guarantee of Approval or Results

We make no guarantees regarding:

• Mortgage loan approval or specific loan terms
• Specific interest rates or loan programs
• Property value appreciation or investment returns
• Tax benefits or deductions related to real estate or mortgages

All financial and real estate decisions should be made in consultation with qualified professionals, including attorneys, accountants, and financial advisors.

Fees and Compensation

Mortgage Fees

Mortgage loan origination may include fees such as application fees, origination fees, and third-party costs. All fees will be disclosed in accordance with RESPA requirements through the Loan Estimate and Closing Disclosure documents.

Consultation Services

Initial consultations are typically provided at no charge. Any fee-based consulting services will be agreed upon in advance with clear disclosure of all costs.

Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied.

Limitation of Liability

To the maximum extent permitted by law, the IR Mortgages and Guaranteed Rate shall not be liable for indirect, incidental, special, or consequential damages.

Dispute Resolution

Any disputes arising from these Terms or our Services shall be resolved through binding arbitration in accordance with the American Arbitration Association rules, except where prohibited by law.

Governing Law: These Terms shall be governed by the laws of the State of Georgia.

SMS Communications

We may offer SMS notifications for loan updates, document requests, and promotional offers. Opting in to receive SMS messages is completely optional and not a condition of service.

For detailed information about our SMS program, please review our SMS Policy & 10DLC Compliance page.

Privacy and Data Protection

Your use of our Services is also governed by our Privacy Policy, which is incorporated by reference into these Terms.