SMS Text Messaging Terms & Conditions
Effective Date: August 31, 2026
Last Updated: August 31, 2026
Brown – A Legacy of Home Lending (“Brown,” “we,” “us,” or “our”) may communicate with you by text message when you provide your mobile telephone number and consent to receive SMS or MMS communications from us.
These SMS Text Messaging Terms & Conditions explain how our text messaging program works and your rights regarding those communications.
1. Consent to Receive Text Messages
By providing your mobile telephone number and affirmatively consenting to receive text messages, you agree that Brown – A Legacy of Home Lending may send you SMS or MMS messages regarding your inquiry, mortgage-related services, appointments, application updates, document reminders, customer service matters, and other communications related to your relationship with us.
Where separately authorized, we may also send informational or marketing-related text messages.
Consent to receive marketing text messages is not a condition of applying for, receiving, or purchasing any mortgage product or service.
2. Types of Messages You May Receive
Text messages from Brown – A Legacy of Home Lending may include communications regarding:
Responses to your mortgage or lending inquiry
Appointment confirmations and reminders
Requests for additional information
Loan application or processing updates
Document or deadline reminders
Customer service communications
Follow-up regarding products or services you requested
Educational mortgage or home lending information
Promotional or marketing messages, when you have separately consented to receive them
3. Message Frequency
Message frequency will vary depending on your interaction with us, the services you request, and the status of your mortgage inquiry or application.
You may receive multiple messages during periods of active communication, such as during a mortgage application or loan processing period.
4. Message and Data Rates
Message and data rates may apply.
Your mobile carrier may charge you for text messages or data usage according to the terms of your wireless service plan.
Brown – A Legacy of Home Lending is not responsible for charges imposed by your mobile carrier.
5. How to Opt Out
You may stop receiving text messages from us at any time.
Reply:
STOP
to any text message from Brown – A Legacy of Home Lending to opt out of future SMS communications from that messaging program.
You may also use other commonly recognized opt-out requests, where supported.
After you opt out, you may receive one final text message confirming that your request has been processed.
Opting out of text messaging does not prevent you from communicating with us by telephone, email, or other available methods.
6. How to Get Help
For assistance regarding our text messaging program, reply:
HELP
to a text message from us.
You may also contact us directly:
Call/Text: (618) 975-1923
Email: [email protected]
7. Mobile Carrier Availability
Text messaging services may not be available through all wireless carriers or in all geographic areas.
Delivery of text messages is subject to effective transmission by your wireless carrier and network provider. Brown – A Legacy of Home Lending is not responsible for delayed or undelivered messages.
8. Your Responsibilities
By enrolling in or consenting to our text messaging program, you represent that:
You are the subscriber or authorized user of the mobile telephone number provided.
You are authorized to consent to receive messages at that number.
You will notify us if your mobile telephone number changes or is reassigned.
If you provide a telephone number that belongs to another individual without authorization, you may be responsible for any resulting claims or costs.
9. Privacy and Mobile Information
Information collected through our SMS messaging program will be handled in accordance with our Privacy Policy.
Mobile information, including your mobile telephone number and SMS consent records, will not be sold or shared with third parties for their own independent marketing or promotional purposes.
We may share information with service providers that assist us in delivering text messages, operating our communications systems, maintaining records, or providing services on our behalf, subject to appropriate privacy and confidentiality requirements.
10. No Guarantee of Security
Text messaging is not always a secure method of communication.
Please do not send Social Security numbers, bank account information, passwords, credit card information, tax documents, or other sensitive financial information through ordinary SMS text messages unless specifically directed to use an approved secure method.
We may provide secure portals or other methods for transmitting sensitive mortgage or financial documentation.
11. Mortgage and Credit Decisions
Receiving or responding to text messages from Brown – A Legacy of Home Lending does not constitute:
An application for credit
Loan approval
Prequalification or preapproval
A commitment to lend
An agreement regarding interest rates or loan terms
All mortgage products and services are subject to applicable underwriting requirements, eligibility requirements, documentation, and approval.
12. Changes to These SMS Terms
We may update these SMS Text Messaging Terms & Conditions periodically to reflect changes in our communication practices, technology, service providers, or applicable legal requirements.
When changes are made, the “Last Updated” date at the top of this page will be revised.
13. Contact Information
If you have questions regarding these SMS Text Messaging Terms & Conditions or our communications practices, please contact us:
Brown – A Legacy of Home Lending
Edwardsville Office
231 N Main St
Edwardsville, Illinois 62025
Call/Text: (618) 975-1923
Email: [email protected]