Terms of Service

1. Acceptance of Terms

By accessing or using the Standard Florida Mortgage website (standardfloridamortgage.com), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our website or services.

2. Description of Services

Standard Florida Mortgage is a licensed mortgage lender (NMLS #1828502) providing residential mortgage loan services including but not limited to:

• Conventional, FHA, VA, and USDA loans
• Reverse mortgages
• Home Equity Lines of Credit (HELOCs)
• Refinancing and cash-out refinancing
• Mortgage pre-approvals and rate quotes
• Loan application processing and underwriting support

3. Eligibility

You must be at least 18 years old and a resident of Florida to apply for a mortgage through Standard Florida Mortgage. By submitting an application, you represent and warrant that all information provided is true, accurate, and complete to the best of your knowledge.

4. Credit Authorization

By submitting a mortgage application or pre-approval request, you authorize Standard Florida Mortgage to obtain your credit report(s) from one or more credit reporting agencies. This credit pull may affect your credit score. You acknowledge that a credit pull is required to provide a loan estimate or pre-approval.

5. SMS Text Messaging Consent

By providing your mobile phone number on our forms and checking the SMS opt-in box, you consent to receive text messages from Standard Florida Mortgage. See our Privacy Policy and SMS Terms of Service for full details, including opt-out instructions.

6. Intellectual Property

All content on this website — including text, graphics, logos, images, and software — is the property of Standard Florida Mortgage or its licensors and is protected by U.S. and international copyright laws. You may not reproduce, distribute, or create derivative works from any content without prior written permission.

7. User Conduct

You agree not to:

• Use the website for any unlawful purpose
• Submit false, misleading, or fraudulent information on loan applications
• Attempt to gain unauthorized access to our systems or data
• Use bots, scrapers, or automated tools to extract data from our website
• Interfere with the proper functioning of the website
• Transmit viruses, malware, or other malicious code

8. Third-Party Services

Our website may link to or integrate with third-party services (e.g., credit bureaus, loan origination systems, real estate platforms). We are not responsible for the practices, content, or availability of these third-party services. Your interactions with third-party services are governed by their respective terms and privacy policies.

9. Loan Approval Disclaimer

Pre-approvals and rate quotes provided by Standard Florida Mortgage are preliminary and subject to verification of information, credit approval, property appraisal, and underwriting review. A pre-approval is not a commitment to lend. Final loan terms, rates, and approval are subject to change based on market conditions and verification of qualifying factors.

All loans are subject to credit approval. Rates and terms are subject to change without notice. Not all applicants will qualify.

10. Equal Housing Lender

Standard Florida Mortgage is an Equal Housing Lender. We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age, or because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

11. Limitation of Liability

Standard Florida Mortgage and its officers, employees, and partners shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of — or inability to use — our website or services, including but not limited to lost profits, data loss, or business interruption.

12. Indemnification

You agree to indemnify and hold harmless Standard Florida Mortgage, its officers, directors, employees, and partners from any claims, damages, losses, or expenses (including attorney's fees) arising from your use of the website, your violation of these Terms, or your submission of false or misleading information.

13. Privacy Policy

Your use of our website is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.

14. Changes to These Terms

We may update these Terms of Service at any time. Changes take effect when posted on this page. Continued use of the website after changes constitutes acceptance of the updated Terms.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Florida.

Last Updated: June 26, 2026