SMS Terms & Conditions

Effective date: September 30, 2026 · Last updated: September 30, 2026

These terms apply to the text messaging program run by Mortgage by Q (NMLS #1028669 and #1566096), Irvine, California ("Mortgage by Q," "we," "us"). By opting in, you agree to these terms and to our Privacy Policy.

Quick summary: Msg frequency varies. Msg & data rates may apply. Reply STOP to cancel. Reply HELP for help. Consent is not a condition of any purchase or loan.

1. Program description

Mortgage by Q sends text messages to people who requested information or applied for a mortgage or home loan and agreed to receive texts. Messages come from Mortgage by Q and its licensed loan officers and may include:

Follow-ups and replies about your loan inquiry or application;
Appointment and call reminders;
Requests for documents and loan-status updates;
Educational follow-up messages related to the inquiry you submitted.

2. How you opt in

You opt in by checking the unchecked text message consent box on a Mortgage by Q form (for example, the loan application at mortgagebyq.com/application-form) or on a Facebook or Instagram lead form that links to this page, and providing your mobile number. The consent box reads:

"I agree to receive text messages from Mortgage by Q and its licensed loan officers at the mobile number I provided, including follow-ups about my inquiry, appointment reminders, and document and loan-status updates. Consent is not a condition of purchase or of any loan. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help."

You will receive a confirmation text after you opt in. You are never required to consent to texts to submit an inquiry or obtain a loan.

3. Message frequency and cost

Message frequency varies depending on your inquiry and activity on your file. Message and data rates may apply based on your mobile plan. Mortgage by Q does not charge a fee for text messages.

4. How to opt out

You can cancel at any time by replying STOP (or STOPALL, UNSUBSCRIBE, CANCEL, END, or QUIT) to any message. You will receive one final message confirming you are unsubscribed, and you will receive no further texts unless you opt in again. You can also contact us at the details below. To rejoin, reply START or submit a new form with consent.

5. Help

Reply HELP to any message, call (949) 536-7410, or email [email protected].

6. Supported carriers

The program is available on major U.S. carriers. Carriers are not liable for delayed or undelivered messages.

7. Privacy of your mobile information

We do not sell, rent, or share mobile phone numbers, or text message opt-in data and consent, with third parties or affiliates for their marketing or promotional purposes. See our Privacy Policy for details on how we handle your information.

8. Sensitive information

Please do not send your Social Security number, full account numbers, or other sensitive data by text. We will send you a secure link when documents or details are needed.

9. Changes to these terms

We may update these terms from time to time. The "Last updated" date shows the latest version. Continued participation after a change means you accept the updated terms.

10. Contact

Mortgage by Q, Irvine, California
Phone: (949) 536-7410 · Email: [email protected]