Last updated: September 24, 2026
These Terms & Conditions govern your use of the Standard Florida Mortgage website and the services offered by Standard Florida Mortgage ("SFM," "we," "us"). By accessing this website or contacting us, you agree to these terms. If you do not agree, please do not use this site.
Standard Florida Mortgage is a licensed mortgage lender. NMLS #1828502. For licensing information, visit NMLS Consumer Access. Lending services are subject to applicable federal and state law, including the Truth in Lending Act, RESPA, and Equal Credit Opportunity Act.
We are an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of public assistance.
Information on this website, in our messages, and in conversations with our loan officers is for general informational purposes only. Nothing on this site constitutes a commitment to lend, an offer of credit, or a lock of any interest rate. All loans are subject to credit review and approval, verification of information provided, and property evaluation. Terms, rates, and eligibility change without notice.
Consumers contact Standard Florida Mortgage first. Consumers may opt in by texting the keyword YES to the Standard Florida Mortgage texting number identified on our website or marketing material, by giving express verbal consent during a consumer-initiated conversation for informational and transactional texts, or by selecting an optional, unchecked SMS consent box on our contact form. Our Terms & Conditions and Privacy Policy are displayed at the point of opt-in. Providing a phone number or making an inquiry alone does not authorize recurring or promotional texts.
We do not send consent requests by text to consumers who have not already initiated contact or opted in. Consent is optional and is not a condition of purchase, applying for a loan, or receiving services.
“May Standard Florida Mortgage send you automated texts about your questions, application updates, and appointments? Frequency varies; message and data rates may apply. Reply STOP to unsubscribe or HELP for support. We do not share your mobile information with third parties for marketing. Consent is optional and not required for services. Our terms are at standardfloridamortgage.com/terms.html and privacy policy at standardfloridamortgage.com/privacy-policy. Do you agree?”
Before asking, provide or read the Terms and Privacy Policy links. Wait for an affirmative response; do not treat silence or a phone number as consent. Record the response, mobile number, date/time, representative, and script version (September 24, 2026). Verbal consent covers informational and transactional texts only. Promotional texts require separate express written consent.
Informational and transactional messages: responses to consumer questions, application status updates, and scheduling. Promotional messages: rate alerts, offers, and program announcements are sent only with separate, express written promotional SMS consent. Informational consent does not enroll you in promotional messages.
Message frequency varies. Message and data rates may apply. After opt-in, the confirmation identifies Standard Florida Mortgage and includes message frequency, rates, and STOP/HELP instructions.
Confirmation message: “Standard Florida Mortgage: You are opted in to the text messages you requested. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help. Support: standardfloridamortgage.com or info@sfmfl.com.”
Opt out: Text STOP at any time to end all ongoing messages immediately, including informational, transactional, and promotional messages. One final opt-out confirmation may be sent; no further program messages are sent unless you opt in again.
Help: Reply HELP, visit our contact page, email info@sfmfl.com, or call (561) 440-2483. Support information is also provided with our posted website and marketing material. Carriers are not liable for delayed or undelivered messages.
Do not send sensitive documents by text. Use our secure application channels.
We collect and use personal information as described in our Privacy Policy. Submitting information through this website or by text message does not guarantee a loan approval, and you are under no obligation to proceed with any loan product discussed.
Content on this website is not financial, tax, legal, or investment advice. Consult a licensed professional regarding your individual situation before making financial decisions.
All content on this website — text, graphics, logos, and design — is the property of Standard Florida Mortgage and may not be copied, republished, or used without written permission.
This website is provided "as is" without warranties of any kind. To the maximum extent permitted by law, Standard Florida Mortgage is not liable for any damages arising from the use of, or inability to use, this website or reliance on its content.
This website may link to third-party sites, including NMLS Consumer Access. We are not responsible for the content or practices of third-party websites.
We may update these terms from time to time. The current version is always posted on this page with its effective date above.
Standard Florida Mortgage
Phone: (561) 440-2483
Email: info@sfmfl.com
Website: standardfloridamortgage.com