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Terms of Service

Last updated September 29, 2026

These terms apply to your use of adaptivemortgagesolutions.com (the "Site") and our text messaging program. By using the Site, you agree to these terms. If you don't agree, please don't use the Site.

Who we are

Adaptive Mortgage Solutions is a licensed mortgage broker, Company NMLS #2022974, licensed in Arizona, California, Colorado, Florida, New Mexico, Oregon, Tennessee, Texas, and Washington. As a broker, we compare loan options from a network of wholesale lenders and arrange your loan with the lender that fits your situation. We are not a lender, and the lender you choose makes the final credit decision.

Information on this Site

The content on this Site is for general information only. It is not an offer to lend or a commitment to make a loan. Rates, terms, and programs change often and depend on your credit, income, property, and other factors. Any quote we give you is an estimate until a lender approves your loan in writing.

Your responsibilities

• Provide accurate and complete information when you contact us or apply.
• Be at least 18 years old.
• Only give us a phone number that belongs to you or that you are authorized to use.
• Use the Site in line with all applicable laws.

Your privacy

Our Privacy Policy explains how we collect, use, and share your information. By using the Site, you agree to the practices it describes.

Text messaging program

When you opt in on our Site, you agree to receive text messages from Adaptive Mortgage Solutions about your inquiry and loan, such as follow-up questions, quote details, and appointment reminders. Messages may be sent using automated technology.

• Message frequency varies based on your inquiry.
• Message and data rates may apply. Contact your wireless carrier with questions about your plan.
• To opt out, reply STOP to any message. You'll receive one message confirming you've been unsubscribed. To opt back in, sign up again the way you did the first time.
• For help, reply HELP, or contact us at [email protected] or 949-303-8454.
• Consent is not a condition of purchase. You don't have to agree to receive texts to work with us.
• Carriers are not liable for delayed or undelivered messages.

We may change, suspend, or end the text messaging program at any time. See our TCPA Notice for details on phone and text consent.

Links to other sites

The Site links to services run by others, including our secure loan application portal. Those services have their own terms and privacy policies, and we are not responsible for their content or practices.

Intellectual property

The content, design, and images on this Site belong to Adaptive Mortgage Solutions or are used with permission. You may not copy, reproduce, or distribute them without our written permission.

Disclaimer of warranties

The Site is provided "as is." We make no warranties, express or implied, about the accuracy, reliability, or availability of the Site, and we are not responsible for errors, omissions, or interruptions.

Limitation of liability

To the extent permitted by law, Adaptive Mortgage Solutions is not liable for any direct, indirect, incidental, special, or consequential damages that result from your use of the Site.

Changes to these terms

We may update these terms from time to time. When we do, we'll post the new version on this page and change the "Last updated" date above. Continuing to use the Site after a change means you accept the updated terms.

Governing law

These terms are governed by the laws of the State of California, except where federal law or the law of your state applies.

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