Mortgage With Hector Terms of Service

Terms of Service

1. Who We Are

Mortgage With Hector is a d/b/a of Solmira, LLC (also d/b/a Solmira Home Loans), a Florida mortgage brokerage (Company NMLS #2870116, FL MB #MBR8713). Hector Hiraldo (NMLS #1492718) is the Mortgage Broker and Owner. By using our website and services, you agree to comply with and be bound by the following terms and conditions.

2. Services Provided

We provide mortgage brokerage services, connecting prospective borrowers with participating lenders. We do not issue loans, make credit decisions, or guarantee that you will be approved for a loan by any lender. All loan approvals are subject to the individual lender's underwriting guidelines and property approval.

3. Not Financial or Legal Advice

The content provided on this website and during our consultations is for informational purposes only. It does not constitute financial, investment, or legal advice. We strongly recommend consulting with qualified legal or financial professionals for advice regarding your specific situation before making any financial decisions.

4. Accuracy of Information

While we make every effort to ensure the information on this website is accurate and current, mortgage rates, programs, and guidelines change frequently. We make no representations or warranties regarding the completeness, accuracy, or reliability of any information found on this site.

5. SMS / Text Message Authorization

Program: Mortgage With Hector text messages, sent by Solmira, LLC d/b/a Mortgage With Hector (Company NMLS #2870116). How to opt in: check the optional SMS consent box on our booking or contact form. Messages you may receive: appointment scheduling and reminders, loan application status updates, document requests, rate-lock confirmations, and, if you consent to marketing, messages about mortgage products, rates, pre-approvals, and refinance options. Consent is not a condition of any purchase or loan. Message frequency varies. Message and data rates may apply. Reply STOP at any time to unsubscribe; you will receive one confirmation and no further messages. Reply HELP for assistance, call (407) 972-1460, or email [email protected]. Carriers are not liable for delayed or undelivered messages. You must be 18 years of age or older to use this SMS service. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. See our Privacy Policy for details.

6. Phone Call Recording

For quality assurance, compliance, and training purposes, phone calls between you and Mortgage With Hector (Solmira, LLC) may be recorded or monitored. By communicating with us via phone, you consent to such recording.

7. Intellectual Property

All content, logos, graphics, and materials displayed on this website are the intellectual property of Solmira, LLC d/b/a Mortgage With Hector or its licensors. You may not reproduce, distribute, or otherwise use any materials from this site without our express written permission.

8. Third-Party Links

Our website may contain links to third-party websites for your convenience. We do not endorse, control, or take responsibility for the content, privacy policies, or practices of any third-party sites. Accessing these links is at your own risk.

9. Limitation of Liability

To the fullest extent permitted by law, Mortgage With Hector and Solmira, LLC shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to, use of, or inability to use our services or website, even if we have been advised of the possibility of such damages.

10. Indemnification

You agree to indemnify, defend, and hold harmless Mortgage With Hector and Solmira, LLC, its affiliates, agents, and employees from any claims, liabilities, damages, and expenses (including reasonable attorneys' fees) arising out of your use of this website or your violation of these Terms of Service.

11. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. Any legal action or proceeding arising out of these terms shall be brought exclusively in the state or federal courts located in Florida.

12. Regulatory Disclosures

Mortgage With Hector is a d/b/a of Solmira, LLC (also d/b/a Solmira Home Loans), Company NMLS #2870116, FL MB #MBR8713. Hector Hiraldo, Mortgage Broker and Owner, NMLS #1492718. Verify licensing at www.nmlsconsumeraccess.org. We conduct business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. All loan programs, rates, and terms are subject to change without notice and are subject to borrower credit approval and property valuation. This is not a commitment to lend.

13. Changes to These Terms

We reserve the right to modify or replace these terms at our sole discretion at any time. Any changes will be effective immediately upon posting to this website. Your continued use of the website following the posting of any changes constitutes acceptance of those changes.

14. Contact Us

If you have any questions, concerns, or require further clarification regarding these Terms of Service, please contact us at [email protected] or call (407) 972-1460.

Equal Housing Opportunity

Mortgage With Hector NMLS #1492718

(407) 972-1460 | [email protected]