Last Updated: January 14, 2026

Welcome to Mortgage Dude. By accessing our website or opting into our SMS service, you agree to be bound by the following Terms of Service.

1. Program Name and Description

The Mortgage Dude SMS program provides updates to users who have opted-in to receive communications regarding mortgage inquiries, loan application status, document requirements, and home financing information. Messages may be delivered via short code or long code.

2. Opt-Out Instructions

You can cancel the SMS service at any time. Simply text "STOP" to the shortcode or long code from which you are receiving messages. Upon sending "STOP," we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us.

3. Rejoining Instructions

To rejoin the program after opting out, sign up as you did initially through our web forms or text START to our number, and we will resume sending SMS messages to you.

4. Help Instructions

If you experience issues with the messaging program, reply with the keyword HELP for more assistance, or reach out directly to [email protected] or call (316) 573-3996.

5. Message and Data Rates

As always, message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies based on your mortgage application activity and engagement. For questions about your text plan or data plan, contact your wireless provider.

6. Carrier Liability Disclaimer

Carriers are not liable for delayed or undelivered messages.

7. Compliance with Industry Standards

Mortgage Dude operates in full compliance with the CTIA Short Code Monitoring Handbook and cellular carrier requirements. We strictly prohibit the transmission of SHAFT content (Sex, Hate, Alcohol, Firearms, and Tobacco) and any content that violates federal or state laws.

8. Prohibited Content & Fines

In accordance with T-Mobile’s non-compliance policy, any user found attempting to use our services for phishing, smishing, social engineering, or illegal content will be immediately blocked. You acknowledge that violations may result in severe non-compliance fines ($500–$2,000 per violation) passed through from the carriers.

9. Legal Compliance Note

These terms are governed by the laws of the United States. We reserve the right to modify these terms to remain compliant with changing carrier regulations. Your continued use of the service constitutes acceptance of any updated terms.

10. Privacy Policy Link

Your use of this service is also governed by our Privacy Policy. For more information on how we handle your data, please visit: https://themortgagedudeks.com/privacy-policy