Terms & Conditions

SMS Terms & Conditions

Effective Date: November 12, 2025

By opting in to receive SMS messages from Refine Mortgage Inc. (“Refine Mortgage,” “we,” “us,” or “our”), you agree to the following terms and conditions. These SMS Terms of Service govern your use of our text messaging communications related to our mortgage services.

1. Program Description

By providing your mobile number and opting in, you consent to receive SMS or MMS messages from Refine Mortgage. These messages may include but are not limited to:

• Loan application updates and notifications

• Appointment reminders or confirmations

• Account and document status updates

• Promotional messages, special offers, or rate updates

• General customer service or support messages

Message frequency may vary. Message and data rates may apply.

2. How to Opt Out

You may opt out of receiving text messages at any time.
To stop receiving messages, simply reply STOP to any text message you receive from us.

After you send the STOP message, we will send one final confirmation message to confirm that you have been unsubscribed. You will not receive any additional messages unless you opt in again.

3. How to Get Help

If you need assistance or have any questions about our messaging program, you can:

• Reply HELP to any text message for information, or

• Visit our website at www.refinemortgage.net, or

• Email us at info@refinemortgage.net.

4. Carriers and Delivery

Wireless carriers are not liable for delayed or undelivered messages. Message delivery is subject to your mobile carrier’s network and device compatibility.

5. Privacy

We value your privacy. Your information will be handled in accordance with our Privacy Policy, which outlines how we collect, use, and protect your data.

SMS consent is not shared with third parties or affiliates.

For more information, please visit our Privacy Policy at https://refinemortgage.net/privacy-policy.

6. Changes to These Terms

Refine Mortgage may update or modify these SMS Terms & Conditions at any time. Updates will be effective upon posting to our website. Continued use of our SMS program constitutes your acceptance of the modified terms.

7. Contact Information

If you have any questions regarding these SMS Terms & Conditions, please contact:

Refine Mortgage Inc.
Email: info@refinemortgage.net
Website: https://refinemortgage.net
Address: [Insert your business mailing address if desired]

8. Required Disclosures

Message frequency may vary.
Message and data rates may apply.
Text STOP to cancel.
Text HELP for help.
Visit https://refinemortgage.net/privacy-policy for our Privacy Policy.
Visit https://refinemortgage.net/terms for these Terms of Service.

NMLS CONSUMER ACCESS WEBSITE | PRIVACY POLICY | TERMS OF SERVICE
Refine Mortgage has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency. Equal Housing Lender. Receipt of application does not represent an approval for financing or interest rate guarantee. Applicant subject to credit, acceptable appraisal, title, and underwriting approval. Not all applicants will be approved. Other terms and conditions apply. Contact Refine Mortgage for more information and up-to-date rates.