Effective Date: 9/1/2026
About These Terms
These SMS Terms & Conditions ("SMS Terms" or "these Terms") govern the Atlantic Avenue Mortgage Loan Communication Program (the "Program"), an SMS text-message service operated by Atlantic Avenue Mortgage, LLC ("Atlantic Avenue Mortgage," "we," "us," or "our"). By enrolling in the Program, you agree to these Terms. Please read them carefully.
These Terms should be read together with our Privacy Policy at https://atlanticavenuemortgage.com/privacy-policy/, which describes how we collect, use, and protect the information you provide when you enroll in the Program.
Program Description
The Atlantic Avenue Mortgage Loan Communication Program is an SMS text-message service used to communicate with existing mortgage loan applicants about their active loan applications. The Program is transactional and non-promotional. We do not use the Program to send marketing messages, rate quotes, refinancing offers, or product solicitations.
Types of Messages You Will Receive
Messages sent through the Program will include:
- Mortgage loan application status updates (application received, in underwriting, conditional approval, clear to close);
- Requests for documents required to process your application (pay stubs, bank statements, identification, tax returns, and similar);
- Customer service responses and appointment confirmations; and
- Other transactional communications about your active loan file.
Messages you send us through the Program may include documents, photos, or files responsive to our document requests, as well as questions or updates about your application.
Eligibility
To participate in the Program, you must be at least 18 years old and the authorized user of the mobile telephone number you provide. The Program is available only to customers who have submitted a mortgage application to Atlantic Avenue Mortgage.
How to Opt In
You may enroll in the Program by:
- Checking the SMS consent box on our loan application form on our website; or
- Signing the Applicant Communication Authorization included in your mortgage application package.
Consent to receive SMS messages is not a condition of obtaining a mortgage loan or any other product or service from Atlantic Avenue Mortgage. You may apply for, receive, and close on a loan with us regardless of whether you consent to SMS communications.
Message Frequency
Message frequency varies based on the activity on your loan file. You may receive several messages during active stages of your application and few or no messages during inactive periods.
Message and Data Rates
Message and data rates may apply. Atlantic Avenue Mortgage does not charge for SMS messages, but your wireless carrier may. Check your mobile plan for details.
How to Opt Out
You may withdraw your consent to receive SMS messages at any time by replying STOP, STOPALL, UNSUBSCRIBE, CANCEL, END, or QUIT to any message you receive from us. We will send you a confirmation message and will not send you any further SMS messages on the Program. Withdrawing SMS consent will not affect your loan application or any other communications you receive from us.
If you have previously opted out and wish to resume receiving SMS messages, you may reply START to a message from us to re-enroll.
Help and Support
Reply HELP to any message for assistance, or contact us directly:
- Phone: (877) 806-4028
- Email: [email protected]
Supported Carriers
The Program is available on all major U.S. wireless carriers, including AT&T, T-Mobile, Verizon Wireless, Sprint, Boost Mobile, Cricket, U.S. Cellular, MetroPCS, and others. Carriers are not liable for delayed or undelivered messages.
Use and Sharing of Mobile Information
Mobile phone numbers and SMS consent will not be shared with, sold to, or bought by third parties or affiliates for marketing purposes. No mobile information collected through the Program will be shared with third parties or affiliates for marketing or promotional purposes. We do not sell, rent, or lease your mobile telephone number, SMS opt-in records, or the content of your SMS messages.
We may share mobile information only:
- with service providers acting on our behalf under written confidentiality obligations (such as our SMS platform provider, Talkdesk, Inc.);
- with wholesale lender partners solely to process your specific loan application; or
- as required by law, court order, or to protect against fraud.
Text messaging originator opt-in data and consent (including your opt-in records and the specific method and content of your consent) will not be shared with any third party or affiliate for any purpose, including the categories described above.
For additional information about how we collect, use, and protect your information, please see our Privacy Policy at https://atlanticavenuemortgage.com/privacy-policy/.
Data Retention and Security
We retain SMS message content and metadata for the period required by applicable mortgage recordkeeping rules (including RESPA, TILA, and applicable state law), generally not less than three years from loan closing or denial, and thereafter only as required by law. We protect mobile information consistent with the Gramm-Leach-Bliley Act Safeguards Rule and our information security program, including access controls, encryption in transit, and vendor management of our SMS platform provider.
Changes to These Terms
We may modify or discontinue the Program at any time. Material changes to these Terms will be posted with a new Effective Date at the top of this document. We recommend that you review these Terms periodically.
Contact Us
If you have questions about these Terms or the Program, please contact us at [email protected] or write to us at:
Atlantic Avenue Mortgage, LLC
Attn: Compliance
8 South J Street
Lake Worth Beach, FL 33460
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