Effective Date: January 1, 2026
Last Updated: July 20, 2026
Welcome to OnMortgage.com (the “Site”), operated by On Mortgage (“Company,” “we,” “us,” or “our”). By accessing or using this Site, submitting an application, or opting into our communication services, you (“User” or “you”) agree to be bound by these Terms & Conditions (“Terms”).
If you do not agree to these Terms, please immediately discontinue use of this Site.
1. Permitted Use & Intellectual Property
- Non-Commercial License: On Mortgage authorizes you to view, download, and print information on this Site solely for your personal, informational, and non-commercial use.
- Copyright & Trademarks: All content, branding, logos, calculators, graphics, and text on this Site are the property of On Mortgage or its content suppliers and are protected by United States and international copyright, trademark, and statutory regulatory laws.
- Prohibited Conduct: Materials on this Site may not be modified, reproduced, republished, publicly displayed, distributed, or used for any public or commercial purpose without prior written authorization from On Mortgage.
2. Professional Disclaimers & Licensing
No Financial, Legal, or Tax Advice
The information provided on this Site is for general informational purposes only and does not constitute financial, legal, tax, or accounting advice. Prior to making any financial commitments or executing a mortgage loan, you should consult with appropriate licensed tax, legal, and financial professionals.
Loan Estimates & Commitments
Information, rate quotes, and live estimates on this Site do not constitute a formal Loan Estimate (LE), pre-approval, or commitment to lend under the Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), or applicable state regulations.
3. Rate Calculations & Hypothetical Estimates
- All mortgage rates, Annual Percentage Rates (APRs), rate tables, and calculator results (including Monthly Payment, Bi-Weekly, Refinance, and HELOC tools) displayed on this Site are hypothetical, for illustrative purposes only, and subject to change without notice.
- Final loan terms, available interest rates, and approval are contingent upon individual credit history, debt-to-income ratios, property valuation, down payment, and formal underwriting review.
4. Electronic Communications & SMS/Text Messaging Terms
By providing your contact information through any lead capture form, application, chat widget, or marketing campaign (including social media and retargeting ads), you agree to the following terms governing our communications:
A. Program Description & Consent
You grant prior express written consent for On Mortgage and its designated representatives to contact you via automated text messages (SMS/MMS), pre-recorded voice messages, artificial intelligence (AI) voice agents, phone calls, and email sequences at the mobile phone number and email address provided.
B. Voluntary Participation
Providing consent to receive marketing calls or text messages is voluntary and is not a condition of purchasing a home, obtaining a loan, or receiving any service from On Mortgage.
C. Message Frequency & Rates
Message frequency varies based on your loan application progress and automated workflows. Standard message and data rates may apply depending on your mobile phone service provider.
D. How to Opt Out (STOP)
You may opt out of SMS communications at any time. To unsubscribe, reply STOP, UNSUBSCRIBE, CANCEL, or QUIT to any text message received. You will receive a single final confirmation text verifying your removal.
E. How to Get Help (HELP)
For assistance or information regarding our text messaging service, reply HELP to any text message or email info@on-mortgage.com.
F. Mobile Data Protection
Mobile phone numbers and SMS opt-in consent data will never be sold, rented, or shared with third parties or affiliates for their own promotional or marketing purposes. All user information is protected in accordance with our Privacy Policy.
5. Equal Housing & Multi-State Compliance
On Mortgage conducts business in strict compliance with the Fair Housing Act and the Equal Credit Opportunity Act (ECOA). We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, familial status, or age.
- NMLS Consumer Access: To verify state licensing, visit the official NMLS Consumer Access website at www.nmlsconsumeraccess.org.
- State Specific Disclosures: On Mortgage operates as a licensed mortgage broker in Florida (FL), Colorado (CO), Michigan (MI), South Carolina (SC), North Carolina (NC), and Virginia (VA). For detailed state license numbers and statutory disclaimers, please review our “Licensing Page” under the About Us tab.
6. Limitation of Liability & Disclaimers
THIS SITE AND ALL CONTENTS, CALCULATORS, AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
To the maximum extent permitted by law, On Mortgage, its officers, directors, employees, and agents disclaim all liability for any direct, indirect, incidental, special, or consequential damages resulting from your use of, or inability to use, this Site, its contents, or its automated communication channels.
7. Mandatory Binding Arbitration & Class Action Waiver
PLEASE READ THIS SECTION CAREFULLY. IT LIMITS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.
A. Binding Arbitration
Any dispute, legal claim, or controversy arising out of or relating to these Terms, your use of the Site, or communications received from On Mortgage (including TCPA or SMS claims) shall be settled through final and binding individual arbitration administered by the American Arbitration Association (AAA) in accordance with its Consumer Arbitration Rules.
B. Class Action Waiver
YOU AND ON MORTGAGE AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING.
8. Governing Law & Jurisdiction
These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. Any legal suit, action, or proceeding not subject to arbitration shall be instituted exclusively in the state or federal courts located in Miami-Dade County, Florida.
9. Modifications to These Terms
On Mortgage reserves the right to update or modify these Terms & Conditions at any time without prior notice. Changes take effect immediately upon being posted to this page. Your continued use of the Site or participation in our communication programs following changes signifies your acceptance of the revised Terms.
10. Contact Us
If you have questions, concerns, or requests regarding these Terms & Conditions, please reach out to us:
OnMortgage LLC — NMLS #1889418
333 SE 2nd Ave, Suite 2000, Miami, FL 33131
Email: info@on-mortgage.com