Terms of Service
Effective Date: October 8, 2026
Last Updated: October 8, 2026
These Terms of Service (“Terms”) govern your access to and use of https://jeffmorganlends.com (the “Website”), operated by or on behalf of Jeff Morgan, Loan Officer, affiliated with Equity Smart Home Loans.
By accessing or using this Website, you agree to these Terms. If you do not agree, please discontinue use of the Website.
1. Business Information
Jeff Morgan | Loan Officer
Equity Smart Home Loans
Individual NMLS ID: 2737554
Company NMLS ID: 856170
California DRE License: 01906808
Phone: 865-324-9642
Office: 865-420-4639
Email: [email protected]
Website: https://jeffmorganlends.com
Mortgage services are subject to applicable licensing requirements, company policies, and the laws and regulations of the jurisdictions in which services are offered. Loan origination services in Tennessee are provided only as permitted by applicable law and licensing requirements.
2. Purpose of the Website
This Website provides general information about mortgage financing, homeownership preparation, residential real estate financing, investment property financing, and related educational resources.
Information may include descriptions of mortgage programs, first-time homebuyer resources, FHA and VA financing, conventional mortgages, investment property loans, debt-service-coverage-ratio (DSCR) loans, short-term rental financing, and other mortgage-related products or services.
Website content is intended for informational and educational purposes only. It is not a substitute for an individualized review of your financial circumstances, mortgage needs, eligibility, or loan documentation.
3. No Guarantee of Loan Approval
Submitting an inquiry, requesting a consultation, completing a questionnaire, or beginning an online mortgage application does not guarantee loan approval, preapproval, eligibility, a particular interest rate, specific loan terms, or closing by a particular date.
All mortgage financing is subject to applicable underwriting requirements, verification of information, property eligibility, appraisal requirements when applicable, credit approval, investor or lender guidelines, and other applicable conditions.
Any prequalification or preapproval is preliminary and may be conditional. Final loan approval and funding depend on the applicable lender's requirements and completion of all required conditions.
Interest rates, annual percentage rates (APRs), fees, down payment requirements, closing costs, loan limits, and program availability may change without notice and may vary based on individual circumstances.
4. No Financial, Legal, or Tax Advice
Information on this Website does not constitute legal, tax, accounting, investment, or individualized financial advice.
Mortgage and real estate decisions should be evaluated based on your specific circumstances. You should consult appropriately qualified professionals regarding legal, tax, accounting, investment, or other matters outside the scope of mortgage origination services.
Any educational examples, illustrations, calculators, or estimated payments are provided for general informational purposes and may not reflect your actual loan terms, total housing expenses, or final closing costs.
5. Website Forms and Information Submitted
You may use the Website to request information, schedule consultations, ask questions, submit contact information, or initiate a mortgage inquiry.
You agree to provide information that is accurate and complete to the best of your knowledge. You are responsible for updating information when necessary.
Do not submit Social Security numbers, account passwords, complete financial account numbers, tax returns, pay stubs, or other sensitive financial documents through ordinary website contact forms or unsecured email. Use an approved secure application or document portal when submitting sensitive mortgage information.
Information submitted through the Website may be processed by Equity Smart Home Loans and authorized service providers as necessary to respond to your request, provide requested services, or administer related business operations, subject to applicable law and the Website's Privacy Policy.
6. Online Applications and Third-Party Services
The Website may link to or incorporate third-party platforms for mortgage applications, appointment scheduling, electronic communications, document collection, educational tools, calculators, or other services
.
These platforms may be governed by their own terms, privacy policies, and security practices. You are responsible for reviewing applicable third-party terms before using those services.
A link to a third-party website does not necessarily constitute an endorsement of that website or its products.
To the extent permitted by law, Jeff Morgan and Equity Smart Home Loans are not responsible for third-party websites, their availability, or their independent practices.
7. Communications, Email, and Text Messages
If you provide your contact information, you may be contacted regarding your inquiry or requested mortgage-related services through the communication methods you have authorized and as otherwise permitted by applicable law.
Text message consent: Providing a telephone number does not, by itself, constitute consent to receive marketing text messages. Where required, express consent must be obtained through an appropriate consent mechanism.
If you separately consent to receive text messages, message frequency may vary. Message and data rates may apply. Reply STOP to opt out of text messages and HELP for assistance, where supported. Opting out of marketing messages will not prevent communications that are otherwise legally permitted or necessary to service an existing relationship.
Consent to receive marketing calls or text messages is not a condition of obtaining a mortgage loan or purchasing a product or service.
Email and text messaging may not be secure methods for transmitting sensitive financial information. Do not send confidential mortgage documents through these channels unless an approved secure process is provided.
8. Privacy and Personal Information
Your use of the Website is also subject to the Website's Privacy Policy, which describes how personal information may be collected, used, disclosed, and protected.
These Terms should be read together with the Privacy Policy and any applicable notices or consents presented when you submit information or use a particular service.
Nothing in these Terms limits any privacy rights or consumer protections provided by applicable law.
9. SMS Policy
You must be 18 years of age or older to use SMS services.
Carriers are not liable for delayed or undelivered messages
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted.
Opting in to our sms services is done via the contact page on our site https://jeffmorganlends.com/contact-us. The consent for customer care messaging is entirely optional and not required for our services.
10. Intellectual Property
Unless otherwise indicated, the text, original graphics, branding, logos, photographs, educational materials, page designs, and other content made available through the Website are owned by or licensed to the applicable rights holder.
You may access and use Website content for personal, noncommercial informational purposes. You may not reproduce, distribute, modify, publish, sell, or commercially exploit protected Website content without prior written permission, except where permitted by law.
Third-party trademarks and materials remain the property of their respective owners
11. Acceptable Use
You agree not to:
Use the Website for unlawful, fraudulent, or deceptive purposes.
Submit knowingly false or misleading information.
Attempt to gain unauthorized access to the Website, its systems, or another person's information.
Introduce malicious software or interfere with the Website's operation.
Scrape, copy, or collect Website information through automated means in violation of applicable law or authorized access restrictions.
Use the Website in a manner that infringes another person's rights or violates applicable laws.
We may restrict or suspend access to the Website where reasonably necessary to protect its operation, security, users, or legal compliance.
12. No Warranty Regarding Website Content
The Website and its content are provided on an “as is” and “as available” basis to the extent permitted by law.
We make reasonable efforts to provide useful and accurate information, but we do not guarantee that all content is complete, current, error-free, continuously available, or appropriate for every user's circumstances.
Mortgage program descriptions, market commentary, interest rate information, calculators, and other educational materials may become outdated. You should confirm current program requirements and loan terms with an authorized mortgage professional before making a financial decision.
Nothing in this section excludes warranties or rights that cannot legally be excluded.
13. Limitation of Liability
To the maximum extent permitted by applicable law, Jeff Morgan and Equity Smart Home Loans will not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the Website or reliance on general Website content.
Nothing in these Terms limits liability where such limitation is prohibited by law, including any applicable rights or remedies that cannot lawfully be waived.
These Terms do not replace or modify any separate mortgage application, loan agreement, disclosure, authorization, or other agreement governing a specific transaction.
14. Indemnification
To the extent permitted by applicable law, you agree to be responsible for claims, losses, or expenses resulting from your unlawful use of the Website, your material violation of these Terms, or your infringement of another person's rights.
This provision does not require you to indemnify any party for that party's own conduct to the extent such indemnification is prohibited by law.
15. Changes to These Terms
We may update these Terms from time to time to reflect changes in our services, Website features, business practices, or applicable legal requirements.
Updates will be posted on this page with a revised effective or last-updated date. Your continued use of the Website after revised Terms are posted constitutes acceptance of the updated Terms to the extent permitted by applicable law.
16. Governing Law
These Terms are governed by applicable federal law and the laws of the State of Tennessee, without regard to conflict-of-law principles, except where another jurisdiction's law is required to apply.
Any dispute concerning these Terms will be handled in a court of competent jurisdiction as permitted by applicable law.
17. Severability
If any provision of these Terms is found to be unlawful, invalid, or unenforceable, the remaining provisions will remain in effect to the extent permitted by law.
18. Entire Agreement
These Terms govern your general use of the Website. They do not supersede any separate written agreement, mortgage disclosure, privacy notice, electronic consent, or other legally required document applicable to a particular service or transaction.
19. Contact Information
For questions about these Terms, please contact:
Jeff Morgan | Loan Officer
Equity Smart Home Loans
Office: 865-268-8785
Website: https://jeffmorganlends.com
Equal Housing Lender.
NMLS ID: 2737554 | Company NMLS ID: 856170