TERMS OF USE

Mortgage Professional Associates Inc.
dba MPA Home Loans

Effective Date: August 27, 2026

Please read these Terms of Use (“Terms”) carefully before using the website located at www.mpahomeloans.com, any online mortgage application or portal made available by Mortgage Professional Associates Inc., doing business as MPA Home Loans, and any other websites, applications, communications, or online services operated by us that link to these Terms (collectively, the “Service”).

These Terms constitute an agreement between you and Mortgage Professional Associates Inc., dba MPA Home Loans (“MPA Home Loans,” “MPA,” “Company,” “we,” “us,” or “our”).

By accessing or using the Service, you acknowledge that you have read, understood, and agree to these Terms and our Privacy Policy.

If you do not agree to these Terms, you should not use the Service.

1. ELIGIBILITY AND USE OF THE SERVICE

You must be at least 18 years old to use portions of the Service involving a mortgage inquiry or application.

You agree to use the Service only for lawful purposes and in accordance with these Terms.

You may not:

• Use the Service in violation of applicable federal, state, or local law;
• Attempt to gain unauthorized access to the Service, accounts, systems, or networks;
• Interfere with or disrupt the operation or security of the Service;
• Introduce malicious code, viruses, or other harmful technology;
• Misrepresent your identity or affiliation with another person or organization;
• Submit information you do not have the legal authority or appropriate consent to provide;
• Use automated means to improperly access, scrape, copy, or interfere with the Service; or
• Use the Service in a manner that could damage, disable, overburden, or impair its operation.

We reserve the right to restrict, suspend, or terminate access to the Service where reasonably necessary to protect MPA Home Loans, our customers, our systems, or others.

2. ACCOUNTS AND SECURITY

Certain portions of the Service may require you to establish an account, use login credentials, or access a secure third-party portal.

When establishing or using an account, you agree to provide information that is accurate, complete, and current.

You are responsible for maintaining the confidentiality and security of your account credentials and for activities conducted through your account.

You agree to notify us promptly if you believe your credentials have been lost, stolen, compromised, or used without authorization.

You should not provide your login credentials to any unauthorized person.

We may suspend or restrict an account if we reasonably believe it has been compromised, used fraudulently, or used in violation of these Terms.

3. MORTGAGE INFORMATION AND SERVICES

Information provided through the Service is intended to assist consumers in learning about and obtaining mortgage-related products and services.

Information displayed on the Service does not constitute a commitment to lend, loan approval, loan guarantee, or guarantee of any particular interest rate, loan program, loan amount, payment, closing cost, or other loan term.

All mortgage products are subject to applicable underwriting requirements, credit approval, property approval, verification requirements, program guidelines, and other applicable conditions.

Loan programs, interest rates, fees, terms, eligibility requirements, and availability may change without notice.

Not all products or programs are available in all states or to all consumers.

Nothing on the Service constitutes legal, tax, investment, accounting, or financial-planning advice. You should consult an appropriate professional regarding your individual circumstances when necessary.

4. LOAN APPLICATION INFORMATION

If you submit information in connection with a mortgage inquiry or application, you agree to provide accurate, complete, and current information.

We may rely upon information you provide in evaluating and processing your inquiry or application.

You agree to notify MPA Home Loans if material information relating to your mortgage application changes.

Additional disclosures, acknowledgments, authorizations, agreements, and consents may apply to a mortgage application or transaction. Those documents govern the matters specifically addressed in them.

If these Terms conflict with a specific loan disclosure, authorization, or agreement governing your mortgage transaction, the transaction-specific document will control with respect to the subject matter of that document.

5. CREDIT REPORTS AND CREDIT INFORMATION

Where permitted by applicable law and with the authorization or permissible purpose required by law, MPA Home Loans may obtain consumer credit reports and other credit-related information in connection with a mortgage inquiry, application, or transaction.

A credit inquiry may affect your credit score depending upon the type of inquiry performed.

Additional authorizations or disclosures regarding credit reports may be presented to you separately.

Consumers wishing to opt out of certain prescreened offers of credit may visit www.optoutprescreen.com or call 1-888-567-8688.

6. ELECTRONIC COMMUNICATIONS

When you use the Service or communicate electronically with MPA Home Loans, you consent to receive communications from us electronically where permitted by law and consistent with any additional consent requirements applicable to the communication.

Electronic communications may include email, website communications, portal notifications, and text messages.

Certain legally required notices or disclosures may be subject to separate electronic-consent requirements. Nothing in these Terms replaces any consent required by applicable electronic-signature or consumer-finance law.

7. SMS/TEXT MESSAGE TERMS

MPA Home Loans may communicate with consumers, prospective borrowers, borrowers, customers, referral partners, and other individuals by SMS or MMS text messaging when appropriate consent has been provided or when otherwise permitted by law.

Our text messaging program may include:

• Responses to consumer inquiries;
• Mortgage inquiry and application communications;
• Loan status and transaction updates;
• Appointment reminders;
• Document reminders;
• Customer-care communications;
• Follow-up communications;
• Service-related notifications; and
• Marketing or promotional messages where appropriate consent has been obtained.

Consent to Receive Text Messages

By providing your mobile telephone number and affirmatively consenting to receive text messages from MPA Home Loans where consent is requested, you authorize MPA Home Loans to send text messages to the mobile number you provided.

Where applicable, messages may be sent using an automatic telephone dialing system or other automated technology.

Consent to receive marketing text messages is not a condition of obtaining a loan, purchasing any goods or services, or otherwise doing business with MPA Home Loans.

Message Frequency

Message frequency varies based upon your relationship and interactions with MPA Home Loans, your mortgage inquiry or transaction, and the communications you have requested.

Message and Data Rates

Message and data rates may apply.

Your mobile carrier’s standard message and data rates may apply to SMS and MMS messages sent or received.

Opting Out

You may opt out of text messages at any time by replying:

STOP

After submitting a STOP request, you may receive a confirmation text indicating that you have been unsubscribed.

You will no longer receive messages covered by that opt-out request unless you subsequently provide consent again or otherwise initiate communications for which messaging is permitted by law.

Help

For assistance, reply:

HELP

You may also contact us at:

contact@mpahomeloans.com

Supported Carriers and Delivery

Wireless carriers are not liable for delayed or undelivered messages.

Delivery of text messages is subject to effective transmission by your wireless carrier and is outside MPA Home Loans’ complete control.

Privacy

Your participation in our text messaging program is subject to our Privacy Policy.

MPA Home Loans does not sell, rent, or share mobile telephone numbers, SMS opt-in information, or SMS consent information with third parties or affiliates for their own marketing or promotional purposes.

Mobile information may be provided to service providers acting on our behalf as reasonably necessary to operate and deliver our messaging services.

8. TELEPHONE COMMUNICATIONS

When you provide a telephone number to MPA Home Loans, we may contact you at that number regarding your inquiry, application, transaction, or existing relationship with us where permitted by law.

Marketing calls will be made only where permitted by applicable law and subject to any consent requirements that apply.

You may communicate a request regarding telephone marketing communications by contacting us using the information in the Contact Us section below.

9. RECORDING AND MONITORING OF COMMUNICATIONS

Telephone calls and other communications with MPA Home Loans may be monitored or recorded where permitted by applicable law for quality assurance, training, security, documentation, compliance, or other legitimate business purposes.

Where notice or consent is required by applicable law, appropriate notice or consent will be obtained.

Your continued participation in a communication after receiving an applicable recording notice may constitute consent where permitted by law.

10. EMAIL COMMUNICATIONS

Email communications from MPA Home Loans are not, unless expressly stated otherwise in an authorized written communication, a commitment to lend, unconditional loan approval, guaranteed interest-rate lock, or guarantee of any particular loan terms.

Interest-rate locks, loan approvals, commitments, and other material loan terms are governed by the applicable written loan documentation and disclosures.

You should not rely solely on ordinary email or text messaging to communicate urgent or time-sensitive instructions involving matters such as:

• Interest-rate locks;
• Closing instructions;
• Rescission rights;
• Fraud or suspected fraud;
• Wire instructions;
• Material changes to your mortgage application; or
• Other matters requiring immediate action.

For urgent or time-sensitive matters, contact your assigned MPA Home Loans loan professional directly using a verified contact method.

11. WIRE FRAUD AND SECURITY

Mortgage and real-estate transactions can be targets for wire fraud, phishing, identity theft, and other fraudulent activity.

Do not rely solely on an email or text message containing new or changed wire instructions.

Before sending funds, independently verify wire instructions using a known and trusted telephone number for the appropriate settlement, title, escrow, or other authorized party.

MPA Home Loans will never ask you to disregard reasonable fraud-prevention procedures.

If you receive suspicious communications purporting to be from MPA Home Loans, contact us through a verified communication channel before taking action.

12. PRIVACY

Your privacy is important to us.

Our collection, use, disclosure, and protection of personal information are described in our Privacy Policy, available through our website.

By using the Service, you acknowledge our Privacy Policy.

The Privacy Policy is incorporated into these Terms by reference to the extent applicable.

13. THIRD-PARTY WEBSITES AND SERVICES

The Service may contain links to, integrate with, or provide access to third-party websites, applications, platforms, or services.

These may include service providers involved in the mortgage process or technologies used to provide portions of our services.

MPA Home Loans does not control the privacy, security, availability, content, or business practices of independent third-party services.

Your use of a third-party service may be governed by separate terms and privacy policies established by that provider.

We encourage you to review the applicable terms and privacy policies before using third-party services.

14. WEBSITE INFORMATION, AVAILABILITY, AND ACCURACY

We make reasonable efforts to provide useful and accurate information through the Service. However, information may occasionally be incomplete, inaccurate, outdated, or unavailable.

We may modify, correct, update, suspend, or discontinue portions of the Service without prior notice.

We do not guarantee that:

• The Service will always be available or uninterrupted;
• Every error will be corrected immediately;
• Information displayed will always be complete or current; or
• Every product or service described will be available to every consumer.

Mortgage pricing and product information may change frequently and should be confirmed with an MPA Home Loans loan professional.

15. INTELLECTUAL PROPERTY

Unless otherwise indicated, the Service and its original content, design, graphics, logos, trademarks, software, functionality, and other materials are owned by or licensed to MPA Home Loans and are protected by applicable intellectual-property laws.

You may use the Service for your personal, lawful use.

You may not reproduce, distribute, modify, publish, sell, license, reverse engineer, exploit, or create derivative works from protected portions of the Service without appropriate authorization, except where such restriction is prohibited by law.

Third-party names, trademarks, and logos remain the property of their respective owners.

16. PROHIBITED ACTIVITIES

You may not use the Service to:

• Commit or facilitate fraud;
• Impersonate another person;
• Submit false or misleading information;
• Violate another person’s privacy or intellectual-property rights;
• Attempt unauthorized access to systems or information;
• Distribute malware or malicious code;
• Disrupt or interfere with the Service;
• Circumvent security controls;
• Engage in unlawful activity; or
• Encourage another person to engage in prohibited activity.

17. DISCLAIMER OF WARRANTIES

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

MPA HOME LOANS DISCLAIMS WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, TO THE EXTENT PERMITTED BY LAW, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, COMPLETELY SECURE, OR FREE OF HARMFUL COMPONENTS.

NOTHING IN THIS SECTION DISCLAIMS WARRANTIES OR RIGHTS THAT CANNOT LAWFULLY BE DISCLAIMED.

18. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, MPA HOME LOANS AND ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, SERVICE PROVIDERS, AND LICENSORS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO YOUR USE OF OR INABILITY TO USE THE SERVICE.

THIS MAY INCLUDE, WHERE PERMITTED BY LAW, DAMAGES RESULTING FROM LOSS OF DATA, LOSS OF USE, BUSINESS INTERRUPTION, UNAUTHORIZED ACCESS, THIRD-PARTY CONDUCT, OR RELIANCE UPON WEBSITE CONTENT.

Nothing in these Terms limits liability that cannot lawfully be limited or excluded.

19. INDEMNIFICATION

To the extent permitted by applicable law, you agree to indemnify and hold harmless Mortgage Professional Associates Inc. and its officers, directors, employees, agents, affiliates, and service providers from claims, liabilities, losses, damages, and reasonable costs arising from:

• Your unlawful use of the Service;
• Your material violation of these Terms;
• Information you knowingly submit without authorization; or
• Your violation of another person’s rights.

This provision does not require a consumer to indemnify MPA Home Loans for MPA Home Loans’ own unlawful conduct, gross negligence, or willful misconduct.

20. NO COMMITMENT TO LEND

Nothing contained on the Service constitutes a commitment or agreement to lend.

A mortgage loan is not approved merely because:

• You submit an inquiry;
• You submit an application;
• You receive an estimate;
• You receive preliminary qualification information;
• You upload documents;
• You communicate with an MPA Home Loans representative; or
• Information appears within an online portal.

Loan approval and funding remain subject to applicable underwriting, documentation, property, credit, program, regulatory, and closing requirements.

Any formal commitment to lend will be governed by the applicable written documentation.

21. EQUAL HOUSING OPPORTUNITY

MPA Home Loans supports equal housing opportunity and conducts its mortgage activities in accordance with applicable federal and state fair-lending and fair-housing laws.

We do not discriminate in lending on a prohibited basis.

22. LICENSING AND AVAILABILITY

Mortgage Professional Associates Inc. provides mortgage services only in jurisdictions where it is appropriately licensed or otherwise authorized to conduct business.

Licensing information, including applicable Nationwide Multistate Licensing System & Registry (“NMLS”) information, is available through MPA Home Loans’ website and applicable regulatory resources.

The availability of mortgage products and services may vary by jurisdiction.

23. GOVERNING LAW AND VENUE

These Terms will be governed by the laws of the State of Texas, without regard to conflict-of-law principles, except to the extent federal law applies.

To the extent permitted by applicable law, any legal proceeding arising from these Terms or the Service shall be brought in a court of competent jurisdiction located in Tarrant County, Texas, unless applicable law requires otherwise.

24. SEVERABILITY

If any provision of these Terms is determined to be invalid, illegal, or unenforceable, the remaining provisions will remain in effect to the fullest extent permitted by law.

25. NO WAIVER

Our failure to enforce a provision of these Terms does not constitute a waiver of that provision or any other right.

26. ENTIRE AGREEMENT

These Terms, together with our Privacy Policy and any other agreements or disclosures specifically applicable to a product, service, application, or transaction, constitute the applicable agreement regarding use of the Service.

Transaction-specific agreements, disclosures, and authorizations may supplement these Terms.

If a transaction-specific agreement conflicts with these Terms concerning a matter specifically addressed by that agreement, the transaction-specific agreement will control with respect to that matter.

27. CHANGES TO THESE TERMS

We may update these Terms periodically to reflect changes in our Service, business practices, technology, legal requirements, or regulatory requirements.

When these Terms are updated, we will revise the Effective Date shown at the top of this page.

Material changes may also be communicated through additional notice where appropriate or required by law.

Your continued use of the Service after revised Terms become effective constitutes acceptance of the revised Terms to the extent permitted by law.

28. CONTACT US

If you have questions about these Terms or the Service, contact:

Mortgage Professional Associates Inc.
dba MPA Home Loans
1124 Glade Road, Suite 100
Colleyville, TX 76034

Email: @mpahomeloans.com
Website: www.mpahomeloans.com

For assistance with text messaging, reply HELP to a message from MPA Home Loans or email contact@mpahomeloans.com.

To opt out of text messages, reply STOP.

Message frequency varies. Message and data rates may apply.