These Terms & Conditions ("Terms") govern your use of the Your Mortgage Expert LLC website and any text messaging (SMS) program you opt into through it. By using this website or opting in to receive text messages from us, you agree to these Terms. If you do not agree, please do not use this website or our messaging program.
By accessing this website or providing your mobile number and opting in through our chat widget, you confirm that you are at least 18 years old and legally able to enter into this agreement.
Your Mortgage Expert LLC provides mortgage advisory services, including purchase pre-approval guidance, refinance analysis, and realtor partnership coordination, to individuals located in New Jersey and the surrounding region. Nothing on this website constitutes a loan offer, a commitment to lend, or a guarantee of approval, rate, or terms. All loan products are subject to underwriting approval, program guidelines, and applicable law.
Our website's chat widget offers two separate text messaging programs, and you may opt in to either, both, or neither:
Opting in to one program does not automatically enroll you in the other.
You may opt in to either or both SMS programs by providing your mobile phone number and affirmatively agreeing through the chat widget on this website. Our chat widget is the sole SMS opt-in method used on this site — no other form on this website collects SMS consent. Consent for each program is collected via its own checkbox; neither is pre-selected on your behalf, and neither is bundled with any other required action.
You can opt out of either SMS program at any time by replying STOP to any message you receive in that program. If you're enrolled in both the informational/transactional and marketing programs, opting out of one does not automatically opt you out of the other. You will receive a one-time confirmation that you have been unsubscribed from that program, and no further messages in that category will be sent unless you opt in again.
For help at any time, reply HELP to any message, or contact us directly at (201) 528-6550 or [email protected].
Mobile carriers are not liable for delayed or undelivered messages. We are not responsible for any delays, failures, or errors in message delivery caused by your carrier, device, or network conditions outside our control.
Your Mortgage Expert LLC makes no guarantee regarding loan approval, interest rate, program eligibility, or closing timeline. Any figures, illustrations, or estimates presented on this website (including any payment calculator) are for general informational purposes only and do not constitute a quote, pre-qualification, or commitment to lend. Actual terms are determined through formal underwriting.
All content on this website — including text, graphics, and design — is the property of Your Mortgage Expert LLC unless otherwise noted, and may not be reproduced without permission.
These Terms are governed by the laws of the State of New Jersey, without regard to its conflict-of-law principles.
We may revise these Terms from time to time. Updates will be posted on this page with a new effective date. Continued use of this website or our SMS program after changes are posted constitutes your acceptance of the revised Terms.
Your Mortgage Expert LLC
68 Entwistle Ave, Nutley, NJ 07110
Phone: (201) 528-6550
Email: [email protected]