Terms of Service
Effective Date: February 8, 2026
Welcome to Able First Mortgage. By accessing or using our website and services, you agree to be bound by these Terms of Service. Please read them carefully.
1. Acceptance of Terms
By accessing this website, submitting information through our pre-qualification form, or using any of our services, you agree to these Terms of Service and our Privacy Policy. If you do not agree, please do not use our services.
2. Description of Services
Able First Mortgage provides:
- Mortgage pre-qualification estimates
- Loan program information and guidance
- Mortgage application processing
- Related mortgage lending services
IMPORTANT DISCLAIMER: Pre-qualification estimates provided through this website are for informational and educational purposes only. They are NOT a commitment to lend, a loan approval, or a guarantee of any specific terms, rates, or loan amounts. Actual loan approval is subject to verification of all information, property appraisal, underwriting review, and other factors.
3. Eligibility
To use our services, you must:
- Be at least 18 years of age
- Be a legal U.S. resident or authorized to work in the United States
- Provide accurate and truthful information
- Have the legal capacity to enter into contracts
4. User Responsibilities
By using our services, you agree to:
- Provide Accurate Information: All information you submit must be true, accurate, and complete to the best of your knowledge
- Update Information: Notify us promptly if any information changes
- Authorized Use: Only submit information about yourself or parties who have authorized you to act on their behalf
- Lawful Use: Use our services only for lawful purposes
Note: Providing false or misleading information on a mortgage application is a federal crime. Information submitted through our pre-qualification form may be used in your formal loan application if you choose to proceed.
5. Pre-Qualification Process
Our online pre-qualification tool:
- Provides estimates based on the information you provide
- Uses general guidelines and calculations
- Does NOT guarantee loan approval or specific terms
- May include a soft credit inquiry with your consent (does not affect your credit score)
Pre-qualification is a preliminary assessment. Full loan approval requires:
- Formal application submission
- Verification of income, employment, and assets
- Property appraisal
- Full credit review (hard inquiry)
- Underwriting approval
6. No Guarantee of Results
We make no guarantees regarding:
- Loan approval
- Interest rates or terms
- Specific loan amounts
- Closing timelines
- Property eligibility
Market conditions, lender requirements, and individual circumstances affect all loan decisions.
7. Intellectual Property
All content on this website, including text, graphics, logos, and software, is the property of Able First Mortgage or its licensors and is protected by copyright and trademark laws. You may not:
- Copy, modify, or distribute our content without permission
- Use our trademarks without authorization
- Reverse engineer any software or technology
8. Third-Party Services
Our website may link to or integrate with third-party services (such as credit reporting agencies). We are not responsible for:
- The content or practices of third-party websites
- Third-party service availability or accuracy
- Your interactions with third parties
9. Limitation of Liability
To the fullest extent permitted by law:
- Able First Mortgage is not liable for any indirect, incidental, or consequential damages arising from your use of our services
- Our total liability shall not exceed the fees paid by you for our services, if any
- We are not liable for decisions you make based on pre-qualification estimates
10. Indemnification
You agree to indemnify and hold harmless Able First Mortgage, its officers, employees, and agents from any claims, damages, or expenses arising from:
- Your use of our services
- Your violation of these Terms
- Your violation of any third-party rights
- Any false or misleading information you provide
11. Modifications to Terms
We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of our services after changes constitutes acceptance of the modified Terms.
12. Termination
We may terminate or suspend your access to our services at any time, without notice, for any reason, including violation of these Terms.
13. Governing Law
These Terms are governed by the laws of the State of Florida. Any disputes shall be resolved in the courts of Hillsborough County, Florida.
14. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
15. Equal Housing Lender
Able First Mortgage is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, or any other protected class.
16. Contact Information
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