Terms of Service

1. Acceptance of Terms

Welcome to Harvest Mortgage Group LLC ("Harvest Mortgage Group," "we," "us," or "our"). By accessing or using our website, services, or submitting an application, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Description of Services

Harvest Mortgage Group is a licensed residential mortgage brokerage (Company NMLS #2840381) operating in North Carolina, South Carolina, and Virginia. We act as an intermediary between borrowers and wholesale lenders to facilitate mortgage loans. We are not a direct lender, and we do not make loan or credit decisions. All loan approvals, rates, and terms are subject to the underwriting guidelines of our third-party lender partners.

3. User Responsibilities

By using our services, you agree to provide accurate, current, and complete information during the application process. You understand that providing false or misleading information in connection with a mortgage application is a violation of federal law and may result in civil or criminal penalties.

4. Consent to Electronic Communications and SMS/Text Messaging Policy (TCPA)

By providing your contact information, you consent to receive communications from us electronically, including emails, text messages, and phone calls, regarding your loan application, status updates, and promotional offers.

SMS/Text Messaging Policy: By providing your mobile phone number, you explicitly consent to receive SMS/text messages from Harvest Mortgage Group LLC for informational, transactional, and marketing purposes. Message and data rates may apply. Message frequency varies.

Opt-Out: You may opt out of receiving text messages at any time by replying "STOP" to any message you receive from us. After you send the SMS message "STOP", we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again. You may also opt out of promotional communications by contacting us directly.

5. Credit Authorization

By submitting a loan application or pre-qualification request, you authorize Harvest Mortgage Group and its lender partners to obtain your credit report and related financial information from one or more consumer reporting agencies, in accordance with the Fair Credit Reporting Act (FCRA).

6. Third-Party Links & Services

Our website may contain links to third-party websites or services that are not owned or controlled by Harvest Mortgage Group. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

7. Intellectual Property

All content, logos, graphics, and text on this website are the intellectual property of Harvest Mortgage Group and are protected by applicable copyright and trademark laws. You may not copy, reproduce, or distribute any content without our prior written consent.

8. Disclaimers & Limitation of Liability

Our services are provided on an "as is" and "as available" basis without any warranties of any kind. Harvest Mortgage Group does not guarantee that you will be approved for a loan or that you will receive specific loan terms. In no event shall Harvest Mortgage Group be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of our services.

9. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law provisions.

10. Patriot Act / Customer Identification Program (CIP) Notice

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT OR APPLYING FOR A LOAN: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or applies for a loan. What this means for you: When you apply for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

11. Contact Us

If you have any questions about these Terms of Service, please contact us at: