SMS Terms of Service & Consent Disclosure

Low Rate Co SMS Program

By providing your mobile phone number and opting into SMS communications from Low Rate Co, you agree to receive text messages related to mortgage inquiries, loan applications, appointment scheduling, customer service, loan status updates, marketing communications, and other services offered by Low Rate Co.

Message Frequency

Message frequency varies based on your interaction with Low Rate Co, application activity, and service requests.

Consent

Types of Messages

Messages may include:

• Mortgage application updates
• Appointment reminders
• Documentation requests
• Customer service communications
• Marketing and promotional messages
• Educational mortgage content

Opt-Out Instructions

You may opt out at any time by replying STOP to any text message. After opting out, you will receive a confirmation message and no further SMS messages will be sent unless you re-enroll.

Help Instructions

Reply HELP for assistance or contact:

Message and Data Rates

Message and data rates may apply depending on your mobile carrier and service plan.

Privacy

Information collected through SMS communications is subject to the Low Rate Co Privacy Policy. Consumer information may be used to provide services, process applications, improve customer support, comply with legal obligations, and maintain regulatory records.

Artificial Intelligence Disclosure

Some SMS communications may be generated or assisted by Cindie, Low Rate Co’s virtual assistant, powered by artificial intelligence. Cindie may collect information, answer general questions, and facilitate communications. Cindie does not approve loans, deny loans, provide legal advice, provide tax advice, or make lending decisions.

Carrier Disclaimer

Wireless carriers are not liable for delayed or undelivered messages.

Supported Carriers

SMS services are available on most major U.S. wireless carriers. Availability may vary by carrier.

Changes to Terms

Low Rate Co reserves the right to modify these SMS Terms of Service at any time. Updates will be posted on the company website.

Contact Information

Questions regarding SMS communications may be directed to: