Terms of Service — Voice to Mortgage

What we are

Voice to Mortgage is an application-intake service. We help you complete a Fannie Mae 1003 loan application by voice or text, then deliver that file to a licensed lender of your (or the inviting LO's) choice. We are not a mortgage lender, broker, or originator. Loan approval, terms, rates, and closing are handled by the licensed lender who receives your file.

No loan decisions from us

Eligibility verdicts shown in the dossier are based on hardcoded V1 Fannie Mae and Freddie Mac rules and your voice-attested inputs. They are not commitments to lend. Final loan decisions are made by the lender after their own underwriting, credit pull, appraisal, and verification of income/assets/employment.

Rate scenarios are estimates

The three pricing scenarios shown use a weekly-refreshed rate snapshot from public lender rate sheets, adjusted for typical retail margins. They are estimates only — the lender will quote you binding rates after a credit pull and Loan Estimate disclosure (within 3 business days of submission).

Your responsibilities

You agree to provide accurate, complete, and truthful information. Federal law (18 U.S.C. §1014) makes it a crime to knowingly provide false information on a mortgage loan application. You consent to electronic signatures, credit pull, and information verification when you complete Section 6 of the application.

Liability

Voice to Mortgage is provided “as is” without warranty. Our maximum liability for any claim is the fees you paid us (currently $0 — borrower-facing use is free). The lender handles loan-related issues per their own loan documents.

Disputes

Disputes are resolved by binding arbitration under California law. You may opt out within 30 days of accepting these terms by emailing [email protected].

Contact

Email [email protected].