Legal

Terms & Conditions

Last Updated: April 1, 2025

Please read these Terms carefully before using the website or services of Familiar Mortgage Services, Inc. By accessing our website or submitting any form, you agree to be bound by these Terms in full.

1. Nature of Services

Familiar Mortgage Services, Inc. is a licensed mortgage broker only. We do not make lending decisions, fund loans, or act as a lender or correspondent mortgage lender. We act as an intermediary between you and third-party lenders. All loan approvals, rates, and terms are determined solely by the lender.

2. No Commitment to Lend

IMPORTANT: Nothing on this website or in any communication constitutes a commitment to lend, a loan approval, or a guarantee of any rate or term. All applications are subject to credit review, property appraisal, income verification, and full underwriting approval by third-party lenders. Rates and terms subject to change without notice.

3. SMS & Text Message Terms

Two Programs: (A) Transactional/Service messages — non-promotional communications necessary to service your mortgage application; (B) Marketing messages — optional promotional content. Each requires separate independent consent.

Opt-Out: Reply STOP to cancel all. Reply STOP MARKETING to cancel marketing only.

Help: Reply HELP or call (203) 615-8040.

Frequency: Transactional varies; marketing max 4x/month.

Rates: Msg & data rates may apply. Consent is not a condition of service.

SMS opt-in data is never sold to third parties. See our Privacy Policy.

SMS Terms of Service

By opting in to receive SMS messages from Familiar Mortgage Services Inc., you agree to receive both customer care and marketing communications, including application updates, reminders, and occasional service-related offers.

Message frequency varies. Message and data rates may apply.

You may opt out at any time by replying STOP or request assistance by replying HELP.

Carriers are not liable for delayed or undelivered messages.

4. Website Use

  • Do not submit false or fraudulent information
  • Do not attempt unauthorized access to any system
  • Do not use automated tools to scrape or extract data
  • Do not impersonate any person or entity

5. Licensing Disclosures

NOT A LENDER OR A CORRESPONDENT MORTGAGE LENDER.
CT License #: MB-2133615 — Licensed by CT Banking Department
FL License #: MBR4259 — FL Office of Financial Regulation
NY License #: 209215 — NY Dept of Financial Services
Verify: www.nmlsconsumeraccess.org

6. Equal Housing

We are committed to equal housing opportunity and do not discriminate on the basis of race, color, national origin, religion, sex, familial status, disability, or any other protected class under applicable law.

7. Disclaimer & Limitation of Liability

This website is provided "as is" without warranty of any kind. To the fullest extent permitted by law, Familiar Mortgage Services, Inc. shall not be liable for any indirect, incidental, or consequential damages arising from your use of this website or our services.

8. Governing Law

These Terms are governed by the laws of the State of Connecticut. Disputes shall be resolved in the courts of Fairfield County, Connecticut.

Licensed mortgage broker in Shelton, CT. Serving CT, NY & FL.

© 2025 Familiar Mortgage Services, Inc. All rights reserved.

Licensed in CT, NY & FL. Equal Housing Lender.

Familiar Mortgage Services, Inc. is licensed as a mortgage broker only by the Connecticut Banking Department. NOT A LENDER OR A CORRESPONDENT MORTGAGE LENDER. CT License #: MB-2133615; Verify our licenses at www.nmlsconsumeraccess.org; This Ad is intended for Connecticut residents only.

Familiar Mortgage Services, Inc. is licensed as a mortgage broker only by the Connecticut Banking Department. NOT A LENDER OR A CORRESPONDENT MORTGAGE LENDER. CT License #: MB-2133615; Licensed Mortgage Broker, Florida Office of Financial Regulation, FL License #: MBR4259. Verify our licenses at www.nmlsconsumeraccess.org

Familiar Mortgage Services, Inc. is licensed as a mortgage broker only by the Connecticut Banking Department. NOT A LENDER OR A CORRESPONDENT MORTGAGE LENDER. CT License #: MB-2133615; Licensed Mortgage Broker, New York State Department of Financial Services, NY License #: 209215. Verify our licenses at www.nmlsconsumeraccess.org

Licensed mortgage broker serving CT, NY & FL. Based in Shelton, CT.

Equal Housing Lender · NMLS #2133615

© 2025 Familiar Mortgage Services, Inc. All rights reserved.

Licensed in CT, NY & FL. Equal Housing Lender.

Familiar Mortgage Services, Inc. is licensed as a mortgage broker only by the Connecticut Banking Department. NOT A LENDER OR A CORRESPONDENT MORTGAGE LENDER. CT License #: MB-2133615; Verify our licenses at www.nmlsconsumeraccess.org; This Ad is intended for Connecticut residents only.

Familiar Mortgage Services, Inc. is licensed as a mortgage broker only by the Connecticut Banking Department. NOT A LENDER OR A CORRESPONDENT MORTGAGE LENDER. CT License #: MB-2133615; Licensed Mortgage Broker, Florida Office of Financial Regulation, FL License #: MBR4259. Verify our licenses at www.nmlsconsumeraccess.org

Familiar Mortgage Services, Inc. is licensed as a mortgage broker only by the Connecticut Banking Department. NOT A LENDER OR A CORRESPONDENT MORTGAGE LENDER. CT License #: MB-2133615; Licensed Mortgage Broker, New York State Department of Financial Services, NY License #: 209215. Verify our licenses at www.nmlsconsumeraccess.org