Terms & Conditions

Use of Our Website and Services

The information on this website is provided for general informational purposes and does not constitute a loan approval, loan commitment, rate lock, or financial, legal, or tax advice. Mortgage programs, interest rates, fees, and qualification requirements are subject to change and may vary based on individual circumstances, credit profile, income, property type, loan program, and applicable underwriting guidelines.

Mortgage Communications

Submitting information requests a response from Work Hard Mortgage regarding your inquiry, mortgage options, application status, document requests, appointment scheduling, and related customer support, consistent with your communication preferences. Automated marketing calls and texts require the separate optional checkbox agreement described below; submitting a form alone does not grant that consent.

Optional Calls, AI Voice and Text Consent

Work Hard Mortgage is the DBA of Work Harding Home Mortgage Team, LLC. The concise agreement and messaging notices appear beside the optional checkbox on our contact and roadmap forms; these Terms provide additional details and do not replace that agreement. Checking the box and submitting is your affirmative electronic signature for both SMS/texts and automated/AI voice calls to the supplied number. Please provide a number for which you are the subscriber or customary user authorized to consent.

Our optional website checkbox separately requests your electronic signature authorizing Work Hard Mortgage (Work Harding Home Mortgage Team, LLC) to call and text the number you provide about your mortgage inquiry, mortgage products and services, appointment scheduling, application and loan updates, document requests, and customer support, including marketing calls and texts using an automatic telephone dialing system and calls using AI-generated, artificial or prerecorded voices, including Mia. The box starts unchecked. Submitting a form alone does not authorize these automated marketing communications. Consent is not a condition of buying any property, goods or services, obtaining a mortgage, or submitting a form.

Call and message frequency may vary; message and data rates may apply. Reply STOP to opt out or HELP for help. During a call, say stop or ask not to be called. You may revoke consent by any reasonable method, including calling 801-228-0937 or emailing lending@workhardmortgage.com. Revocation, do-not-contact requests and applicable calling restrictions remain effective. Consent does not override opt-outs, quiet hours, do-not-call restrictions or jurisdiction-specific calling eligibility. An inquiry without this optional consent can still be submitted.

We retain the checkbox choice, displayed disclosure and version, electronic signature action, supplied phone number, source page and submission timestamps as consent evidence. Existing SMS-only consent is not converted into AI-voice consent. No mobile information or consent data is sold or shared with third parties or affiliates for marketing or promotional purposes. Service-provider disclosures remain limited to providing requested services, message delivery and legal obligations.

SMS/Text Messaging Terms

The optional combined checkbox authorizes mortgage-related marketing, customer care and informational text messages from Work Hard Mortgage related to your mortgage inquiry, loan application, document requests, appointment reminders, loan processing updates, closing reminders, and related support.

Message frequency varies depending on your loan activity and communication needs. Message and data rates may apply. Reply STOP to opt out at any time. Reply HELP for assistance.

For assistance, call 801-228-0937 or email lending@workhardmortgage.com. Carriers are not liable for delayed or undelivered messages. Consent to receive SMS messages is not a condition of obtaining a loan, purchasing any product, or using our services.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties except as necessary to provide requested services, comply with legal obligations, or support message delivery.

Accuracy of Information

You agree to provide accurate, current, and complete information when submitting forms, requesting assistance, or applying for mortgage-related services. Work Hard Mortgage is not responsible for delays or issues caused by inaccurate or incomplete information.

Third-Party Links and Services

Our website or communications may contain links to third-party websites, secure portals, scheduling tools, document upload systems, or service providers. We are not responsible for the content, policies, or practices of third-party websites or services.

Privacy

Your use of our website and services is also governed by our Privacy Policy, available at https://www.workhardmortgage.com/privacy.

Limitation of Liability

To the fullest extent permitted by law, Work Hard Mortgage is not liable for damages arising from your use of this website, reliance on website information, or inability to access our services, except where prohibited by applicable law.

Changes to These Terms

We may update these Terms & Conditions from time to time. Updates will be posted on this page with a revised "Last Updated" date.

Contact Us

If you have questions about these Terms & Conditions, please contact Work Hard Mortgage at:

• Website: https://www.workhardmortgage.com
• Email: ryan@workharding.com