## Terms & Conditions

**Last Updated:** February 2026

### General Terms

By accessing and using the services provided by CMS Mortgage Solutions Inc. (“CMS Mortgage,” “we,” “us,” or “our”), you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please do not use our services.

### SMS/Text Messaging Terms of Service

**Program Name:** CMS Mortgage SMS Communications

**Organization:** CMS Mortgage Solutions Inc.

By opting in to receive SMS text messages from CMS Mortgage, you agree to the following terms:

**What You Will Receive:**
You may receive recurring automated text messages related to:
– Your mortgage inquiry and loan application status
– Loan milestone updates (disclosures sent, appraisal ordered, underwriting submission, approval, closing disclosure, clear to close)
– Follow-up communications from your assigned Loan Officer
– Educational content about mortgage products and programs
– Appointment reminders and scheduling confirmations

**Message Frequency:**
Message frequency varies based on your loan status, inquiry type, and communication preferences. You may receive up to approximately 10 messages per month during active loan processing, and fewer during initial inquiry stages.

**Costs:**
Message and data rates may apply. CMS Mortgage does not charge for SMS messages, but your mobile carrier’s standard messaging rates apply. Please contact your carrier for details about your messaging plan.

**How to Opt In:**
You may opt in to receive SMS messages from CMS Mortgage by:
– Submitting a contact or inquiry form on our website (cmsmortgage.com) and checking the SMS consent checkbox
– Submitting a referral form provided by one of our referral partners
– Texting **START** to our designated phone number

**How to Opt Out:**
You may opt out of receiving SMS messages at any time by:
– Replying **STOP** to any message you receive from us
– Contacting us at the information provided below

After opting out, you will receive one final confirmation message and no further SMS messages will be sent unless you opt in again.

**How to Get Help:**
For assistance with SMS messaging, you may:
– Reply **HELP** to any message you receive from us
– Email us at team@cmsmortgage.com
– Call us at (757) 558-2603

**Privacy:**
Your mobile phone number and SMS consent information will not be shared with third parties or affiliates for marketing or promotional purposes. Please review our full [Privacy Policy](https://cmsmortgage.com/privacy-policy/) for details on how we collect, use, and protect your information.

**Carrier Liability:**
Carriers (T-Mobile, AT&T, Verizon, etc.) are not liable for delayed or undelivered messages. Delivery is subject to effective transmission from your network.

**Supported Carriers:**
SMS messaging is supported on all major U.S. carriers including AT&T, Verizon, T-Mobile, Sprint, and others. Carrier coverage may vary.

### Mortgage Services Disclaimer

CMS Mortgage Solutions Inc. is a licensed mortgage company. All loan programs, rates, terms, and conditions are subject to change without notice. Not all applicants will qualify. This is not a commitment to lend. NMLS information and licensing details are available on our website.

### Website Terms

The content on cmsmortgage.com is provided for general informational purposes only and does not constitute financial, legal, or mortgage advice. While we strive to keep information accurate and up to date, we make no warranties about the completeness, reliability, or accuracy of this information.

### Contact Information

CMS Mortgage Solutions Inc.
Email: team@cmsmortgage.com
Phone: 757-558-2603
Website: cmsmortgage.com