Terms & Conditions

Brand/Operator: America Trust Funding ("ATF")
Company NMLS: #1522
Licensing States: CO, DE, FL, MD, VA, DC.
Effective Date: August 25th, 2025

Equal Housing Lender. ATF adheres to federal and state fair lending laws. NMLS Consumer Access: https://www.nmlsconsumeraccess.org

1) Acceptance of These Terms

By accessing or using https://www.americatrustfunding.com/ (the “Site”), any related landing pages, calculators, or messaging features (together, the “Services”), you agree to these Terms & Conditions (the “Terms”). If you do not agree, do not use the Services. We may update these Terms at any time by posting a revised version with an updated Effective Date.

2) Who We Are & Licensing

ATF provides residential mortgage information and services in jurisdictions where it is duly licensed. Not all products are available in all areas and not all applicants will qualify. For a full list of state licenses and trade names, contact us at hsouza@americatrustfunding.com or consult NMLS Consumer Access.

3) No Commitment to Lend; Educational Content Only

Content on the Site is for informational purposes only and is not an offer to extend credit or a commitment to lend. Any loan offer is subject to a completed application, verification of information, underwriting approval, acceptable property appraisal, and program guidelines. Terms, conditions, and interest rates are subject to change without notice.

4) Rates, Payments & Calculators

Any rates, payments, APRs, and savings illustrations are examples and may be based on assumptions (credit score, LTV, property type, occupancy, points, escrows, etc.). Actual rates and payment obligations depend on your specific situation and market conditions at lock. Calculator outputs are estimates only and are not guarantees. Taxes, insurance, HOA dues, and MI (if applicable) are approximations.

5) Eligibility & Geographic Restrictions

Use of the Services is intended for U.S. residents who are at least 18 years of age and for properties located in states where ATF is licensed. By using the Services, you represent you meet these requirements and that any information you submit is accurate and complete.

6) Your Obligations; Prohibited Uses

You agree not to:

Provide false, misleading, or incomplete information;
Interfere with or disrupt the Site’s operation or security;
Use automated scraping or data-mining without written consent;
Upload malicious code or engage in activities that may harm the Site or users; or
Use the Services for unlawful or prohibited purposes.
7) Electronic Communications & ESign Consent

By using the Services, you consent to receive communications electronically (including email, SMS when applicable, and inapp messages). If you choose to proceed with a loan or create an application, you may be presented with an ESign Consent; by accepting, you agree to receive disclosures and sign documents electronically, subject to your right to withdraw consent as described in that disclosure.

8) SMS/Text Messaging Program

If you opt in to our SMS program, the SMS Terms & Conditions apply in addition to these Terms. Key points: recurring messages; message frequency varies; Msg & data rates may apply; Text STOP to opt out, HELP for help; consent is not required to obtain services.

9) Privacy

Your use of the Services is also governed by our Privacy Policy, which explains how we collect, use, and safeguard information. Do not send Social Security numbers, full bank or card numbers, or other sensitive data via email or SMS..

10) Intellectual Property

All content, trademarks, logos, graphics, and code on the Site are owned by ATF or its licensors and are protected by U.S. and international laws. You may not copy, distribute, modify, or create derivative works without prior written permission. ATF grants you a limited, revocable, nontransferable license to access and use the Site for personal, noncommercial purposes related to mortgage services.

11) ThirdParty Links & Tools

For convenience, the Site may link to thirdparty websites, calculators, or tools (e.g., document portals, payment estimators, credit interfaces). ATF does not control and is not responsible for thirdparty content, privacy practices, or services. Use of thirdparty services is at your own risk and may be subject to separate terms and policies.

12) Disclaimers; No Warranties

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, ATF DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERRORFREE, OR THAT DEFECTS WILL BE CORRECTED.

13) Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ATF AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF DATA, REVENUE, PROFITS, OR BUSINESS, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SERVICES SHALL NOT EXCEED $100 OR THE AMOUNT YOU PAID TO USE THE SERVICES, WHICHEVER IS GREATER.

14) Indemnification

You agree to indemnify, defend, and hold harmless ATF and its affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your violation of these Terms or your misuse of the Services.

15) Equal Housing & Fair Lending Notices

ATF is an Equal Housing Lender and complies with the Fair Housing Act, the Equal Credit Opportunity Act (ECOA), and related federal and state fairlending laws. We do not discriminate against any applicant on a prohibited basis.

16) StateSpecific Disclosures

Additional disclosures or notices may be required by certain states. Where applicable, ATF will display statespecific language on the Site or provide it during the application process.

17) Accessibility

ATF strives to maintain an accessible website and welcomes feedback. If you have difficulty accessing any part of the Site, please contact hsouza@americatrustfunding.com so we can assist.

18) Changes to the Site and Services

We may enhance, update, or discontinue any part of the Services at any time without notice. We may also impose limits on certain features or restrict access to parts or all of the Services.

19) Governing Law; Venue

These Terms are governed by the laws of the State of [Insert Governing State], without regard to conflictoflaws principles. You agree to the exclusive jurisdiction of the state and federal courts located in [County/State] for any dispute arising from these Terms or the Services. [Optional: Insert arbitration clause if your counsel prefers arbitration.]

20) Severability; Entire Agreement; Waiver

If any provision of these Terms is held invalid, the remaining provisions will remain in full force. These Terms, together with the Privacy Policy and SMS Terms (if opted in), constitute the entire agreement between you and ATF regarding the Services. Our failure to enforce any provision is not a waiver of our right to do so later.

SMS Terms & Conditions

Program: ATF Mortgage Updates & Alerts (10DLC)
Brand: America Trust Funding (“ATF”)
Last updated: August 25, 2025

1) Program Description

By opting in, you agree to receive recurring SMS messages from America Trust Funding (ATF) on the mobile number you provide. Messages may include: loan status updates, appointment reminders, document requests, pre-approval tips, rate/market notices (with your consent), closings/anniversary check-ins, and customer-service communications.

Transactional/utility messages: e.g., “Your application moved to Underwriting,” “We still need your W-2.”
Marketing messages (only with marketing consent): e.g., rate movement summaries, refi opportunities, HELOC tips.
2) Consent & How to Opt In

You can opt in by any of the following:

Checking the consent box and submitting a form on our website or landing pages;
Texting a provided keyword to our business number;
Scanning a QR code or clicking a CTA that clearly references SMS enrollment;
Opting in during a live conversation (phone or in-person) where consent language is presented and recorded.
By opting in, you authorize ATF to send recurring SMS messages to the number you provide. Your consent is not a condition of any loan application or service.

Electronic Signature Disclosure: Your action to opt in (e.g., checking a box, clicking “Submit,” or texting a keyword) constitutes your electronic signature under applicable e-signature laws and your prior express written consent under the TCPA for the types of messages described.

3) Message Frequency

Recurring; frequency varies. You may receive more messages during active loan stages and fewer otherwise.

4) Cost

Msg & data rates may apply based on your mobile plan. Check with your carrier for details.

5) How to Opt Out

You can opt out at any time by texting STOP. You may also use common synonyms your carrier supports (e.g., END, CANCEL, UNSUBSCRIBE, QUIT). After you send STOP, you’ll receive a one-time confirmation text, and you will no longer receive messages unless you re-opt in (e.g., by texting START or submitting a new consent).

6) Help

For help, text HELP or contact us at [support@americatrustfunding.com] (business hours). We aim to reply within 1–2 business days.

7) Supported Carriers

Program availability is supported by major U.S. carriers (including but not limited to AT&T, T-Mobile, Verizon, and their MVNOs). Carriers are not liable for delayed or undelivered messages.

8) Privacy & Data Use

We respect your privacy. See our Privacy Policy for how we collect and use data.

We do not sell or share your mobile number with third parties for their own marketing.
We may share data with service providers (e.g., messaging platforms) solely to operate the SMS program and our services, subject to contracts and applicable law.
9) Sensitive Information (Security)

Do not send Social Security numbers, full bank/credit-card numbers, or other sensitive personal data via SMS.

10) Eligibility & Your Responsibilities

You must be 18 or older, reside in the U.S., and be the account holder or have the account holder’s permission for the mobile number you provide.
You agree to notify us if your number changes or is reassigned.
You are responsible for charges from your carrier.
11) Changes to the Program

We may modify or discontinue the SMS program or these terms at any time. If changes are material, we’ll update this page and, where required, notify you.

12) Disclaimers

Messaging is provided “as is” and may be unavailable due to carrier or technical issues. Nothing in messages constitutes a loan approval or commitment. All loans are subject to credit approval and program guidelines. Equal Housing Lender.

13) Contact

America Trust Funding
Email: [support@americatrustfunding.com] • Phone: [301-326-8675]

Mailing address:
5912 Hubbard Dr.
Rockville, MD 20852