Terms and Conditions

Effective Date: September 13, 2026

These Terms and Conditions ("Terms") govern your use of the Equity Mortgage Inc. website, equitymtginc.com, the BuyReady platform, and related communications and services provided by Equity Mortgage Inc. These Terms describe the conditions applicable to the use of our website, BuyReady platform, related communications, and services.

1. General Information

Equity Mortgage Inc. provides mortgage financing information, homebuying resources, mortgage-related tools, and communication services. Information provided through our website or BuyReady is intended for informational purposes and does not constitute a commitment to lend, loan approval, or guarantee of financing.

2. Mortgage Estimates and Financing Information

Mortgage calculations, payment estimates, qualification scenarios, down payment assistance information, closing cost estimates, and other financing information provided through our website or BuyReady are estimates only.

Actual loan terms, interest rates, fees, payments, eligibility, and qualification requirements may vary and are subject to verification, underwriting, applicable loan program guidelines, and lender approval.

3. SMS Messaging Program

Equity Mortgage Inc. may send transactional SMS text messages to consumers who voluntarily provide their mobile telephone number and affirmatively consent to receive text messages.

Messages may include qualification updates, appointment information, financing progress, inquiry or lead status updates, and other service-related communications concerning the consumer's mortgage financing or homebuying inquiry.

Message frequency varies. Msg & data rates may apply.

Consent to receive text messages is not a condition of purchasing any goods or services or obtaining a loan or other service.

Opt-Out Instructions: Reply STOP at any time to stop receiving SMS messages.

Help Instructions: Reply HELP for assistance or contact Equity Mortgage Inc. using the contact information provided below.

Wireless carriers are not liable for delayed or undelivered messages.

4. Electronic Communications

By providing contact information and consenting to electronic communications where applicable, you authorize Equity Mortgage Inc. to communicate with you regarding your inquiry, application, appointments, financing status, and other requested services through permitted communication channels.

You are responsible for providing accurate contact information and updating that information when necessary.

5. User Responsibilities

You agree to provide accurate information when using our website, BuyReady, calculators, forms, or other services. You may not use our website or services for unlawful, fraudulent, abusive, or unauthorized purposes.

6. No Guarantee of Loan Approval

Submitting information through equitymtginc.com or BuyReady does not constitute an application approval, commitment to lend, or guarantee that financing will be available.

Mortgage approval is subject to applicable underwriting requirements, verification of borrower information, loan program requirements, property eligibility, and other lender requirements.

7. Third-Party Services and Links

Our website or services may contain links to third-party websites or utilize third-party technology providers. Equity Mortgage Inc. is not responsible for the content, availability, security, or privacy practices of third-party websites or services.

8. Website Availability

We may modify, suspend, update, or discontinue portions of our website, BuyReady, or related services at any time. We do not guarantee uninterrupted or error-free availability.

9. Intellectual Property

Unless otherwise stated, content presented on equitymtginc.com and through BuyReady is owned by or licensed to Equity Mortgage Inc. and may not be reproduced, distributed, or used without authorization except as permitted by applicable law.

10. Changes to These Terms

We may update these Terms periodically. Revised Terms will be posted on this page with an updated effective date.

11. Contact Us

Questions regarding these Terms, our services, or the SMS messaging program may be directed to:

Equity Mortgage Inc.

NMLS #02154655

Website: equitymtginc.com

Email: info@equitymtginc.com

Phone: (213) 277-7167