Terms & Conditions

1. Acceptance of Terms

These Terms and Conditions (“Terms”) constitute a legally binding agreement between you and Next Key Mortgage, a direct mortgage lender (NMLS #2721083). By accessing our website, submitting a mortgage application, or using our SMS or email communications, you agree to these Terms and our Privacy Policy.

2. Description of Services

Next Key Mortgage is a direct mortgage lender that originates, underwrites, and funds mortgage loans in-house. Our services include:

• Direct mortgage origination, underwriting, and funding
• Loan pre-qualification and pre-approval
• Mortgage consultation via phone, email, and contact form
• SMS and email communications regarding rates, programs, and your loan status
• Educational content and mortgage calculators (informational only)

3. Eligibility

• Must be at least 18 years of age (or age of majority in your state)
• Legal U.S. resident, citizen, or eligible non-citizen
• Valid SSN or ITIN required
• Property must be in a state where we are licensed
• Must provide accurate, complete, and truthful information on all application materials

4. No Loan Guarantee

Mortgage rates and programs shown on our website are for illustrative purposes only, subject to change, and are not a commitment to lend. Calculator results are estimates only.

5. Mortgage Application Terms

Accuracy of Information

You represent that all information on your application is true, accurate, and complete. Providing false information on a mortgage application is a federal crime under 18 U.S.C. § 1014.

Loan Estimate & Closing Disclosure

You will receive a Loan Estimate within three business days of submitting a complete application (RESPA requirement). A Closing Disclosure will be provided at least three business days before closing.

Application Withdrawal

You may withdraw your application at any time before consummation by contacting us in writing. Third-party costs already incurred (e.g., appraisal) may not be refundable.

6. Credit Authorization & FCRA Disclosure

By submitting a mortgage application, you authorize Next Key Mortgage to obtain your credit report from one or more credit reporting agencies.

Your FCRA Rights

• Right to an Adverse Action Notice if denied, stating reasons and the credit bureau used
• Right to a free credit report within 60 days of an adverse action
• Right to dispute inaccurate credit information directly with the bureaus

7. SMS / Text Message Terms (Twilio)

Next Key Mortgage is a direct mortgage lender (not a broker or third-party intermediary) using Twilio to send SMS communications. Our program complies with the TCPA, CTIA guidelines, and Twilio’s Acceptable Use Policy.

Express Written Consent

By checking the consent box on our opt-in form, you provide express written consent to receive autodialed or prerecorded marketing text messages from Next Key Mortgage at the number provided. Consent is recorded with timestamp and IP address.

Message Frequency & Content

Up to 8 messages per month. Content includes: rate alerts, application status, document requests, appointment reminders, and general mortgage market information — all from Next Key Mortgage directly.

Opt-Out (STOP)

Reply STOP to any message. You will receive one confirmation text and no further marketing messages. Transactional messages on active loans may continue as permitted by law.

Help (HELP)

Reply HELP for: Next Key Mortgage: (470) 457-6149 | info@nextkeymortgage.com | Msg&data rates may apply | Reply STOP to cancel.

Message & Data Rates

Standard message and data rates may apply per your carrier plan. Carriers include AT&T, Verizon, T-Mobile, and others. Carrier support is subject to change.

Twilio Platform

SMS delivery facilitated by Twilio, Inc. See Twilio Terms and Twilio Privacy Policy.

8. Email Terms (Brevo)

We use Brevo for transactional and marketing emails in compliance with the CAN-SPAM Act and Brevo’s Anti-Spam Policy.

• All emails clearly identify Next Key Mortgage as the direct lender sender
• Subject lines accurately describe content
• Physical address included in all marketing emails
• Clear unsubscribe link in every marketing email
• Opt-out requests honored within 10 business days

See Brevo Terms for platform-level policies.

9. Acceptable Website Use

You agree not to: use automated tools to scrape our website; attempt unauthorized access; transmit malicious code; impersonate Next Key Mortgage or its employees; submit fraudulent applications; or collect other users' personal information.

10. Intellectual Property

All content on the Next Key Mortgage website is the property of Next Key Mortgage and protected by U.S. copyright, trademark, and intellectual property laws. You may view, download, and print content for personal, non-commercial use only. The Next Key Mortgage name, logo, and marks are trademarks of Next Key Mortgage.

11. Disclaimers

12. Limitation of Liability

To the fullest extent permitted by law, Next Key Mortgage shall not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our total liability shall not exceed the lender fees received in connection with your specific transaction.

13. Fair Lending Statement

Next Key Mortgage is an Equal Housing Lender committed to full compliance with ECOA, the Fair Housing Act, HMDA, and CRA. We do not discriminate based on any protected class.

14. Regulatory Disclosures

NMLS: Next Key Mortgage NMLS# 2721083. Verify at nmlsconsumeraccess.org.

RESPA / Regulation X: We comply with RESPA requirements including Loan Estimate, Closing Disclosure, and affiliated business arrangement disclosures.

TILA / Regulation Z: We clearly disclose APR, finance charges, total loan cost, and payment schedules.

SAFE Act: All mortgage loan originators are licensed under the SAFE Act and registered in NMLS.

15. Dispute Resolution

Informal Resolution

Contact us first at info@nextkeymortgage.com or (470) 457-6149. We will make good-faith efforts to resolve complaints within 30 business days.

Binding Arbitration

Unresolved disputes shall be settled by binding arbitration under AAA Consumer Arbitration Rules. Arbitration shall take place in Georgia unless otherwise agreed.

Regulatory Complaints

Nothing prevents you from filing complaints with the CFPB (consumerfinance.gov), FTC, HUD, or your state banking regulator.

16. Governing Law

These Terms are governed by the laws of the State of Georgia, without regard to conflict-of-law provisions. Non-arbitrable disputes are subject to the exclusive jurisdiction of courts in Georgia.

17. Changes to These Terms

We may update these Terms at any time. Material changes will be communicated by updating the effective date, emailing registered users, and posting a homepage notice. Continued use constitutes acceptance of revised Terms.

18. Contact Us