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Terms & Conditions

Effective Date: June 29, 2025
Last Updated: June 29, 2025
 

Welcome to That Mortgage Foodie. By accessing or using our website https://www.thatmortgagefoodie.com (the “Site”), you agree to comply with and be bound by the following Terms and Conditions (“Terms”). If you do not agree with these Terms, please do not use this website.

These Terms apply to all users of the Site, including browsers, clients, prospective borrowers, and individuals interacting with our AI assistant (“AI Larry”).
 

1. Who We Are

That Mortgage Foodie (“Company”, “we”, “us”, or “our”) is a licensed mortgage lender and loan officer offering services across select U.S. states. Our mission is to help clients navigate the mortgage process professionally, ethically, and efficiently, with a human (and foodie) touch.

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2. Eligibility

By using this website, you represent that you:

  • Are at least 18 years old

  • Have the legal capacity to enter into binding agreements

  • Are using the Site for personal or business use related to mortgage services

 

3. Services Offered

The Site provides information about:

  • Mortgage loan products (Conventional, FHA, VA, USDA, DSCR, etc.)

  • Pre-qualification and application intake

  • Client education resources

  • Appointment scheduling

  • AI-powered assistance via “AI Larry”

  • Multilingual communication in English, Spanish, and Portuguese

Use of our services may require submission of personal financial information. See our Privacy Policy for how we collect and handle that data.

 

4. No Guarantee of Loan Approval

Using this Site or communicating with us does not guarantee loan approval, pre-approval, rate lock, or mortgage funding. All loans are subject to underwriting approval, credit review, income verification, and compliance with lender and legal requirements.

 

5. AI Assistant ("AI Larry")

Our AI assistant ("AI Larry") is designed to provide general information, answer common questions, and assist with basic intake or appointment scheduling.

  • AI Larry does not provide financial advice or final decisions.

  • Any guidance from AI Larry should be verified with a licensed mortgage professional.

  • All interactions may be logged for quality, compliance, and training purposes.

 

6. User Conduct

You agree not to:

  • Provide false or misleading information

  • Use the Site for any unlawful purpose

  • Attempt to gain unauthorized access to any systems or data

  • Transmit any viruses, malware, or harmful code

  • Interfere with the functionality or security of the Site

 

7. Intellectual Property

All content on the Site — including logos, text, graphics, images, videos, and software — is the property of That Mortgage Foodie or its licensors and protected by U.S. and international copyright and trademark laws.

You may not copy, reproduce, distribute, or create derivative works without our written permission.

 

8. Third-Party Links

Our Site may contain links to third-party websites or services. We do not control and are not responsible for their content, terms, or privacy practices. Use these at your own risk.

 

9. Disclaimers

  • The content provided on this Site is for informational purposes only.

  • We do not guarantee the accuracy, completeness, or timeliness of information.

  • Rates, terms, and products are subject to change without notice.

  • Financial or mortgage advice should be obtained from a licensed professional.

 

10. Limitation of Liability

To the fullest extent permitted by law, That Mortgage Foodie and its affiliates shall not be liable for any:

  • Direct, indirect, incidental, or consequential damages

  • Loss of data, profits, or business opportunities

  • Errors, delays, or interruptions in Site usage

This applies even if we’ve been advised of the possibility of such damages.

 

11. Indemnification

You agree to indemnify and hold harmless That Mortgage Foodie, its employees, agents, and partners from any claims, damages, liabilities, or expenses arising from your use of the Site or violation of these Terms.

 

12. Governing Law

These Terms are governed by the laws of the State of North Carolina (or the state in which you reside if applicable). Any disputes shall be resolved in courts located in North Carolina, unless otherwise required by law.

 

13. Changes to These Terms

We reserve the right to modify these Terms at any time. Updates will be posted on this page with the revised “Last Updated” date. Your continued use of the Site constitutes acceptance of those changes.

 

14. Contact Information

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

That Mortgage Foodie
📧 Email: info@thatmortgagefoodie.com

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