Effective Date: [PUBLISH DATE — e.g., May 1, 2026]

These Terms of Service govern your use of blackrockmortgage.com. By using the Site, you agree to these Terms. Please read them carefully.

1. Acceptance of Terms

These Terms of Service (“Terms”) form a binding agreement between you and Black Rock Mortgage, a division of Coast 2 Coast Mortgage (“we,” “us,” or “our”). By accessing or using blackrockmortgage.com (“the Site”), you agree to be bound by these Terms and our Privacy Policy. If you don’t agree, please do not use the Site.

2. About Black Rock Mortgage

Black Rock Mortgage is a division of Coast 2 Coast Mortgage, a licensed mortgage broker. Keith Meredith holds NMLS license #303217. Coast 2 Coast Mortgage holds Corporate NMLS #376205. We are licensed in Florida and over 40 additional states. You can verify our licenses at NMLS Consumer Access.

3. Eligibility

You must be at least 18 years old to use the Site or submit a loan inquiry. By using the Site, you represent that you are 18 or older and have the legal capacity to enter into these Terms.

4. License to Use the Site

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal, non-commercial purposes — including researching mortgage products, requesting information, and submitting loan inquiries. You may not:

• Copy, modify, or redistribute Site content for commercial purposes
• Reverse engineer, scrape, or extract data from the Site using automated tools without our express permission
• Use the Site for any unlawful purpose
• Interfere with the security or operation of the Site

5. User Conduct

When using the Site, you agree not to:

• Submit false, misleading, or fraudulent information on any form or application
• Impersonate another person or misrepresent your identity
• Upload viruses, malware, or any harmful code
• Attempt to gain unauthorized access to any portion of the Site or related systems
• Harass, threaten, or send abusive content to us or our staff
• Violate any applicable federal, state, or local laws

We reserve the right to refuse service, terminate accounts, or block access to anyone who violates these Terms.

6. Loan Information & Applications

The Site provides general information about mortgage products and programs. Submitting a contact form, requesting a quote, or starting a pre-approval is not a binding agreement and does not guarantee loan approval.

If you proceed with a formal loan application via our secure online application portal, you’ll be directed to a separate platform with its own terms and conditions. Loan applications are subject to credit approval, underwriting review, and verification of all information you provide. Providing false information on a loan application is a federal offense.

7. No Commitment to Lend

8. Rates, Programs & Calculators

Any rates, fees, payment estimates, or program details displayed on the Site (including in calculators, blog posts, and informational pages) are illustrative only. They are not quotes and do not constitute an offer of credit. Actual rates and program terms depend on your specific situation — credit profile, debt-to-income ratio, property type, loan amount, occupancy, location, and market conditions at the time of application.

Mortgage calculators on the Site (including the Mortgage Calculator, Affordability Calculator, and any future tools) provide rough estimates based on the inputs you provide. They are not financial advice and may not reflect every cost associated with a real loan (such as PMI, escrow, HOA fees, or specific lender fees). Always confirm actual numbers with a licensed loan officer.

9. Equal Housing Lender

Black Rock Mortgage is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, familial status, disability, sexual orientation, gender identity, source of income, or any other protected characteristic under federal, state, or local fair lending laws.

10. Electronic Communications & Consent

Email Communication

By submitting your email address, you consent to receive transactional emails related to your inquiry or application (such as application status updates, document requests, and required disclosures). Marketing emails are sent only to those who specifically opt in, and every marketing email contains an unsubscribe link.

Phone & SMS / Text Messages (TCPA Notice)

By providing your phone number on a Site form, you authorize us to contact you at that number — including by autodialer or prerecorded voice — about your inquiry or loan application. Submitting a form does not automatically enroll you in marketing calls or marketing SMS messages.

If you separately opt in to receive marketing SMS messages, message and data rates may apply. Frequency varies. To stop marketing texts, reply STOP to any marketing message; for help, reply HELP. Consent to marketing communications is not a condition of receiving a loan or any other service from us.

Recorded Calls

For quality, training, and compliance purposes, calls between you and our staff may be monitored or recorded.

11. Third-Party Services and Links

The Site contains links to third-party websites and services, including (but not limited to) our online loan application portal hosted by Coast 2 Coast Mortgage, social media platforms, NMLS Consumer Access, and partner real estate or new construction sites.

We are not responsible for the content, terms, privacy practices, or operations of third-party sites. Once you leave the Site, our Terms and Privacy Policy no longer apply. Review the third party’s terms and privacy policy before sharing information with them.

12. Intellectual Property

All content on the Site — including text, graphics, logos, images, videos, software, and the overall design — is the property of Black Rock Mortgage or its licensors and is protected by copyright, trademark, and other intellectual property laws. The “Black Rock Mortgage” name and logo are trademarks of Black Rock Mortgage and Coast 2 Coast Mortgage.

You may not reproduce, distribute, modify, or create derivative works of Site content without our prior written permission, except as expressly permitted by these Terms or applicable law.

13. User-Submitted Content

If you submit reviews, testimonials, comments, or other content to the Site, you grant Black Rock Mortgage a non-exclusive, royalty-free, worldwide license to use, display, reproduce, and adapt that content for marketing and operational purposes — including showcasing reviews on the Site or in advertising materials. You represent that any content you submit is your own original work and does not violate any third party’s rights.

We reserve the right to remove any user-submitted content that we determine, in our sole discretion, to be inappropriate, defamatory, false, or in violation of these Terms.

14. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. To the fullest extent permitted by law, we disclaim all warranties — including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or uninterrupted availability.

We do not guarantee that the Site will be error-free, secure, or free from viruses or other harmful components. You use the Site at your own risk.

15. Limitation of Liability

To the fullest extent permitted by law, Black Rock Mortgage, Coast 2 Coast Mortgage, their affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including lost profits, lost data, or loss of goodwill — arising out of or related to your use of the Site, even if we have been advised of the possibility of such damages.

Our total cumulative liability for any claim arising from your use of the Site shall not exceed one hundred U.S. dollars ($100.00) or the amount you paid us in the twelve months preceding the claim, whichever is greater. Some jurisdictions do not allow the exclusion or limitation of certain damages, so portions of this section may not apply to you.

16. Indemnification

You agree to indemnify, defend, and hold harmless Black Rock Mortgage, Coast 2 Coast Mortgage, and their affiliates, officers, employees, and agents from any claims, damages, losses, liabilities, costs, or expenses (including reasonable attorneys’ fees) arising from: (a) your use of the Site, (b) your violation of these Terms, (c) your violation of any law or third-party right, or (d) any false or fraudulent information you provide.

17. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws principles. You agree that any dispute arising out of or relating to these Terms or the Site will be resolved exclusively in the state or federal courts located in Marion County, Florida — and you consent to the personal jurisdiction of those courts.

You waive any right to participate in a class action or class-wide arbitration in connection with any dispute arising under these Terms, to the maximum extent permitted by law.

18. Modifications to These Terms

We may update these Terms from time to time. The “Effective Date” at the top of this page reflects the most recent revision. Material changes will be posted prominently on the Site. Your continued use of the Site after a change becomes effective constitutes your acceptance of the revised Terms.

19. Termination

We may suspend or terminate your access to the Site at any time, for any reason, without notice — including if we believe you have violated these Terms. Sections that by their nature should survive termination (including disclaimers, limitations of liability, indemnification, and governing law) will survive.

20. Severability & Entire Agreement

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will remain in full effect. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Black Rock Mortgage regarding your use of the Site, and supersede any prior agreements.

21. Contact Us