Terms of Use

Momentum Mortgage Group, LLC.

Last Updated: January 14th, 20

Welcome to Momentum Mortgage Group, LLC (“Momentum Mortgage,” “we,” “us,” or “our”). Before using our website (“Momentum Mortgage Website”), please review this Terms of Use Agreement (“Agreement”). This Agreement describes the terms and conditions that govern your use of the Momentum Mortgage Website and the products and services provided through or in connection with it (collectively, the “Service”). We may update this Agreement at any time without notice. Your continued use of the Service constitutes your acceptance of any changes. If you do not agree to be bound by this Agreement and our Privacy Policy, you may not use or access the Service.

1. Mortgage Loan Products and Services; Authorization to Obtain Your Credit Report

The Momentum Mortgage Website is an online platform where you can learn about, apply for, and be connected with various mortgage loan products, including home purchase loans, refinance loans, home equity loans, and other mortgage-backed financing options (“Mortgage Loan Products”).

If you submit a request for a Mortgage Loan Product, you understand and agree that:

We may collect personal information you provide to us (“Self-Reported Information”), such as your name, date of birth, address, phone number, Social Security number, income, and other financial details.

By submitting your request, you are providing “written instructions” under the Fair Credit Reporting Act (FCRA) authorizing Momentum Mortgage and its affiliates to use your information to obtain your credit report and credit score for the purpose of evaluating your eligibility for a Mortgage Loan Product.

We may share your Self-Reported Information with our network of lenders, banks, mortgage brokers, and other mortgage professionals (“Lender Partners”) to process your request.

Momentum Mortgage does not make loan or credit decisions for any Lender Partner and is not a party to any agreement you may enter into with them. We do not endorse any particular loan product or Lender Partner. Requirements for any specific product are determined solely by the Lender Partner.

2. Other Products and Services

If you request a product or service other than a mortgage loan — such as insurance, credit-related services, or other financial products — you understand and agree that Momentum Mortgage may share your information with third-party service providers (“Service Partners”) to process and fulfill your request.

Service Partners may contact you by telephone (including via an autodialer), SMS/MMS, email, or postal mail using the contact information you provided, even if you are on a federal or state Do Not Call registry. If you wish to stop communications from a Service Partner, you must contact that Service Partner directly.

3. Consent to Communications

By submitting your information through the Service, you consent to be contacted by Momentum Mortgage, our Lender Partners, and Service Partners by phone (including via an autodialer), SMS/MMS text message, email, and/or postal mail using the contact information you provide, even if you are on a federal or state Do Not Call registry.

You may withdraw your consent to receive communications from Momentum Mortgage at any time by contacting us directly. To stop communications from a Lender Partner or Service Partner, you must contact them directly.

SMS/MMS Messaging Specific Terms

When you opt in to receive SMS/MMS messages from Momentum Mortgage Group, LLC (e.g., by submitting your phone number and consenting via our website forms, application process, or other opt-in mechanisms), you agree to receive text messages related to our services.

This campaign sends appointment information—confirmation & reminder messages to customers once they have booked an appointment with Momentum Mortgage and opted-in to receive promotional and notification SMS from Momentum Mortgage Group, LLC. Message frequency may vary depending on your interactions, appointments, inquiries, or account activity (e.g., appointment reminders, confirmations, important updates, or promotional offers).

Message & data rates may apply.

Standard message and data rates may apply for sending and receiving messages, depending on your mobile carrier plan. Please consult your mobile service provider for details on any applicable charges.

Opt-out instructions:

You can opt out of receiving SMS/MMS messages from us at any time by replying STOP to any text message we send you. After opting out, you will receive a confirmation message, and we will no longer send you SMS/MMS messages (though you may still receive communications through other channels unless you withdraw consent separately). For assistance, reply HELP to any message or contact us using the information below.

Customer support contact:

For questions or support regarding our SMS services, email us at [email protected] or contact our main office (see Section 22 below).

Carrier liability disclaimer:

Mobile carriers are not liable for delayed or undelivered messages.

Age restriction:

Our SMS services are available only to individuals who are at least 18 years of age or older.

Privacy Policy:

For information on how we collect, use, and protect your data (including in connection with SMS communications), please review our Privacy Policy

4. Electronic Communications & E-Sign Consent

You agree that all agreements, disclosures, notices, and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing.

Scope of Consent: This consent applies to all interactions between you and Momentum Mortgage, including applications, disclosures, and notices related to your use of the Service.

Hardware/Software Requirements: You will need internet access, an email account, and a device capable of viewing and printing documents (most modern browsers meet these requirements).

Mobile Devices: If accessing our site on a mobile device, you must have the ability to view, save, and print documents.

Withdrawing Consent: You may withdraw your consent to electronic communications by emailing us at [email protected]. If you withdraw consent, certain services may be unavailable.

5. Disclosure of Your Information

You acknowledge, consent, and agree that Momentum Mortgage may access, preserve, and disclose information we collect about you if required to do so by law or if we believe in good faith that such access, preservation, or disclosure is reasonably necessary to:

1. Comply with legal process or government requests.

2. Enforce this Agreement.

3. Respond to claims that any content violates the rights of others.

4. Respond to your requests for customer service.

5. Protect the rights, property, or safety of Momentum Mortgage, our users, or the public.

6. SAFE Act & NMLS ID Display

All mortgage loan originators affiliated with Momentum Mortgage Group, LLC, will prominently display their NMLS Unique Identifier on our website, marketing materials, email signatures, and any advertising communications to ensure transparency and consumer access to their licensing information.

7. Regulation Z / TILA Compliance

All mortgage products featured through our Service comply with the Truth in Lending Act (TILA) and Regulation Z, including clear, accurate presentation of Annual Percentage Rate (APR), finance charges, terms, and other disclosures in standardized formats.

8. RESPA Compliance

Momentum Mortgage Group, LLC, adheres to the Real Estate Settlement Procedures Act (RESPA). We provide required settlement disclosures and ensure that any referral fees or relationships with settlement service providers are fully disclosed and lawful.

9. Nondiscrimination

Momentum Mortgage Group complies with the Equal Credit Opportunity Act (ECOA). We do not discriminate against applicants based on race, color, religion, national origin, sex, marital status, age, public assistance status, or any other protected characteristic.

10. Privacy & Information Security (GLBA)

In accordance with the Gramm–Leach–Bliley Act (GLBA), we maintain a written information security program to safeguard nonpublic personal information. We provide privacy notices at the initiation of our client relationship and honor opt-out requests regarding disclosure of your information to unaffiliated third parties.

11. Advertising Accuracy

All advertised loan terms or promotions on our platform reflect actual, available offerings. Momentum Mortgage Group does not advertise terms that are unavailable or misleading, in compliance with Regulation Z (§1026.24) and related advertising rules.

12. Arbitration Agreement

You agree that any disputes, claims, or controversies between you and Momentum Mortgage (including affiliates, subsidiaries, and related entities) arising out of or relating to the Service or this Agreement shall be resolved exclusively through final and binding arbitration under the Federal Arbitration Act (FAA).

Arbitration shall be conducted by a single arbitrator in Loudoun County, Virginia, unless otherwise required by law.

You and Momentum Mortgage waive any right to a jury trial.

You and Momentum Mortgage agree not to bring or participate in class actions, consolidated actions, or representative proceedings in arbitration.

13. Eligibility and Acceptable Use

You certify that:

You are at least 18 years of age.

All information you provide is accurate and complete.

You will not use the Service for any unlawful purpose or submit any false or misleading information.

Prohibited activities include, but are not limited to:

Uploading viruses or malicious code.

Attempting to gain unauthorized access to our systems.

Impersonating another person or misrepresenting your affiliation.

Using automated tools to extract data without permission.

14. Intellectual Property Rights

All content on the Momentum Mortgage Website, including text, graphics, logos, and software, is owned by or licensed to Momentum Mortgage and is protected by copyright, trademark, and other laws. You may not copy, distribute, or create derivative works without our prior written consent.

15. Modification to Service

We reserve the right, at any time and without notice, to modify, suspend, or discontinue any part of the Service. We will not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.

16. Indemnification

You agree to indemnify and hold harmless Momentum Mortgage, its officers, employees, affiliates, and agents from any claims, damages, or expenses (including attorney’s fees) arising from your use of the Service or violation of this Agreement.

17. No Warranty & Limitation of Liability

The Service is provided “as is” and “as available” without warranties of any kind, express or implied. Momentum Mortgage is not liable for any indirect, incidental, special, or consequential damages arising from your use of the Service.

18. Termination

We may suspend or terminate your access to the Service at any time for violations of this Agreement or other reasons at our sole discretion.

19. Governing Law & Venue

This Agreement shall be governed by the laws of the Commonwealth of Virginia, without regard to its conflicts of law principles. Any arbitration or legal proceedings shall take place in Loudoun County, Virginia.

20. Statute of Limitations

Regardless of any statute or law to the contrary, any claim or cause of action arising from or relating to your use of the Service or this Agreement must be filed within one (1) year after such claim or cause of action arose, or it will be permanently barred.

21. Survival

The following sections survive termination of this Agreement or your refusal to continue using the Service:

Arbitration Agreement

Indemnification

No Warranty & Limitation of Liability

Governing Law & Venue

Statute of Limitations

Disclosure of Your Information

Privacy & Information Security

Contact Us

Momentum Mortgage Group, LLC
44679 Endicott Drive, Suite 928,

Ashburn, VA 20147

Email: [email protected]