Terms & Conditions

Effective Date: August 11, 2026

City Mortgage Office LLC SMS Messaging Terms & Conditions

These Terms & Conditions govern participation in the City Mortgage Office LLC SMS Messaging Program. By providing your mobile phone number and opting in, you agree to receive SMS messages from City Mortgage Office LLC in accordance with the consent(s) you have provided.

Program Description

City Mortgage Office LLC offers two types of SMS communications, each requiring separate consent:

Informational Messages (sent only with informational SMS consent)

  • Mortgage application updates
  • Loan processing notifications
  • Documentation requests
  • Appointment reminders
  • Appraisal updates
  • Closing coordination
  • Account notifications
  • Customer support communications

Marketing / Promotional Messages (sent only with separate, optional marketing SMS consent)

  • Mortgage rate updates
  • Refinancing opportunities
  • Home purchase programs
  • New loan products
  • Educational content and newsletters
  • Special offers

Message Frequency

Message frequency varies depending on your relationship with City Mortgage Office LLC.

Message & Data Rates

Message and data rates may apply according to your mobile carrier’s pricing plan.

Consent

Informational SMS consent and marketing SMS consent are collected separately through independent, unchecked checkboxes on our website. Checking the informational SMS consent checkbox authorizes City Mortgage Office LLC to send informational messages only. Marketing/promotional messages are sent only if you separately check the optional marketing SMS consent checkbox.

Providing either consent is voluntary and is not a condition of obtaining a mortgage loan or any other product or service. You may opt out of either or both message types at any time by replying STOP.

Opt-In Methods

  • Completing a form on our website and checking the informational SMS consent checkbox (informational messages).
  • Additionally checking the separate, optional marketing SMS consent checkbox on the same form (marketing/promotional messages).

Opt-Out

Reply STOP at any time to unsubscribe. Replying STOP will unsubscribe you from all SMS messages from City Mortgage Office LLC, including both informational and marketing messages.

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

Help

Reply HELP for assistance, or contact:

City Mortgage Office LLC
Website: https://www.city-mortgage.com/
Phone: (630) 345-4645
Email: info@city-mtg.com

Privacy Policy

Please review our Privacy Policy: https://www.city-mortgage.com/privacy-policy

Mobile phone numbers and SMS opt-in consent data will not be shared with or sold to third parties or affiliates for marketing or promotional purposes.

Wireless Carrier Disclaimer

Wireless carriers are not responsible for delayed or undelivered messages.

Mortgage Communications Disclaimer

SMS messages are provided for informational purposes only. Receipt of an SMS message does not constitute:

  • Loan approval
  • Credit approval
  • A commitment to lend
  • A rate lock
  • A guarantee of financing
  • A guarantee of loan terms

All mortgage loans remain subject to underwriting, verification of information, investor guidelines, and applicable federal and state laws.

Electronic Communications

Certain disclosures required by law may be delivered separately in accordance with applicable federal and state regulations.

Regulatory Disclosures

City Mortgage Office LLC is a licensed mortgage company.

NMLS Company ID: 2656145

Consumers may verify our licensing information through the NMLS Consumer Access website.

As of the effective date of these Terms, City Mortgage Office LLC maintains active licenses or registrations in:

  • Florida
  • Illinois
  • Indiana
  • New Jersey
  • Pennsylvania
  • Texas

Equal Housing Opportunity

City Mortgage Office LLC supports the principles of the Fair Housing Act and Equal Credit Opportunity Act. We are committed to providing equal housing opportunities and do not discriminate on the basis of race, color, religion, national origin, sex, disability, familial status, age (where applicable), marital status, or any other protected class under applicable law.

Changes to These Terms

City Mortgage Office LLC may update these Terms & Conditions at any time. Changes become effective upon posting on this website.

Contact Information

City Mortgage Office LLC
Website: https://www.city-mortgage.com/
Address: 1 N 131 County Farm Road, Suite 108, Winfield, IL 60190
Phone: (630) 345-4645
Email: info@city-mtg.com