Terms & Conditions

Last Updated: 07/16/2026

1. Acceptance of Terms

By accessing or using this website (“Website”), you agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, discontinue use immediately.

2. Definitions

• “First Option,” “we,” “us,” or “our” refers to First Option Mortgage, LLC

• “Website” refers to https://myfirstoption.com/ and any associated pages or microsites

• “You” or “your” refers to any user of the Website

3. Permitted Use

You agree to use the Website only for lawful purposes and in compliance with all applicable laws and regulations. You will not:

• Attempt unauthorized access to any system or data

• Disrupt or impair Website functionality or security

• Use the Website in a way that may damage or interfere with operations

4. Mortgage and Regulatory Disclosures

First Option Mortgage, LLC is a licensed mortgage lender.

• NMLS ID: 123411

• Equal Housing Lender: We conduct business in accordance with federal fair lending laws and do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, or familial status.

• State Licensing: Licensing varies by state. For details, visit NMLS Consumer Access.

Important Disclosures:

• Information on this Website is provided for informational purposes only and does not constitute financial, legal, or tax advice. We are not acting as your financial advisor.

• This Website is not an offer to extend credit or a commitment to lend.

• All loan approvals, interest rates, and terms are subject to credit approval, underwriting guidelines, and market conditions.

• Rates, terms, and conditions are subject to change without notice.

• Not all products and programs are available in all states.

Electronic Communications & SMS Consent

By voluntarily providing your contact information through our website, appointment scheduler, webinar registration, contact forms, or other online services, you may choose to receive communications from First Option Mortgage by email, telephone, or SMS text message.

By checking the optional consent checkbox on our forms, you expressly authorize First Option Mortgage to send recurring automated and non-automated text messages regarding your mortgage inquiry, appointment reminders, loan updates, requested information, customer service communications, and, where applicable, promotional offers.

Message frequency varies. Message and data rates may apply. Consent to receive SMS messages is not a condition of obtaining a mortgage loan or any other service. You may opt out of SMS communications at any time by replying STOP to any message. For assistance, reply HELP or contact First Option Mortgage directly.

5. User Responsibility

You are responsible for your use of the Website and any activity conducted through your device or network.

You agree to indemnify and hold harmless First Option from any claims, losses, damages, liabilities, or expenses arising from your violation of these Terms or misuse of the Website.

6. Website Availability

We may modify, suspend, or discontinue any part of the Website at any time without notice. We are not liable for any resulting interruptions or loss of access.

7. Updates to Terms

We may update these Terms periodically. Continued use of the Website after updates constitutes acceptance of those changes.

8. Third-Party Links

This Website may include links to third-party sites. We do not control or endorse those sites and are not responsible for their content or privacy practices.

Appointment Scheduling & Online Services

This Website may include appointment scheduling tools, contact forms, webinar registration pages, chat services, and other online applications operated by First Option Mortgage or its authorized service providers.

Information submitted through these services is governed by our Privacy Policy and applicable federal and state privacy regulations.

9. Monitoring and Enforcement

We reserve the right (but not obligation) to monitor activity and enforce these Terms, including restricting or terminating access where appropriate.

10. Intellectual Property

All Website content is owned by or licensed to First Option and protected by intellectual property laws.

• Permitted: Personal, non-commercial use

• Prohibited: Copying, distributing, modifying, or commercial use without written permission

11. Disclaimer of Warranties

The Website is provided “as is” and “as available.” We disclaim all warranties, including accuracy, completeness, and fitness for a particular purpose.

12. Limitation of Liability

To the fullest extent permitted by law, First Option is not liable for indirect, incidental, or consequential damages, including loss of profits, data, or business opportunities.

13. Security

While reasonable safeguards are in place, we cannot guarantee the security of data transmitted through the Website. Use is at your own risk.

Artificial Intelligence & Automated Communications

First Option Mortgage may utilize artificial intelligence (AI), automated technologies, or conversational software to assist in responding to inquiries, scheduling appointments, providing requested information, and improving customer service.

AI-assisted communications are designed to support—not replace—our licensed mortgage professionals. Customers may request to speak direclty with a licensed mortgage professional at any time.

14. Governing Law

These Terms are governed by the laws of the State of Georgia.

15. Severability

If any provision is found unenforceable, the remaining provisions remain in effect.

16. SMS Program Terms

If you enroll in SMS communications from First Option Mortgage:

• Message frequency varies.

• Message and data rates may apply.

• Reply STOP to unsubscribe at any time.

• Reply HELP for assistance.

• You must be at least 18 years of age or the age of majority in your state of residence to enroll in and use our SMS messaging services.

• Wireless carriers are not responsible for delayed or undelivered messages. Consent to receive SMS messages is not required as a condition of obtaining any mortgage product or service from First Option Mortgage.

• SMS consent is not shared with third parties or affiliates for marketing purposes.

• Additional information regarding how your information is collected and used is available in our Privacy Policy.

17. Entire Agreement

These Terms and our Privacy Policy constitute the full agreement between you and First Option regarding Website use.