This website is owned and operated by Lock It Mortgage, a registered trade name and licensed DBA of Swift Home Loans, Inc. (NMLS #2075228), located at 3901 W. Walnut St, Garland, TX 75042. Hereinafter referred to as ‘Lock It Mortgage’ or ‘Lock It MTG’.
By use of this website, you agree that:
- You will only access or use this website and transact business with us if you are at least 18 years old.
- You will comply with and be bound by these Terms of Use as they appear on this website each time you access and use this website.
- Each use of this website by you indicates and confirms your assent to and agreement to be bound by these Terms of Use.
- These Terms of Use are a legally binding agreement between you and Lock It Mortgage that will be enforceable against you.
- You agree that you will not use or attempt to use this website for any purpose other than conducting mortgage banking-related business with Lock It Mortgage as a bona fide client of Lock It Mortgage.
You may not use or attempt to use any part of this website for any purposes that:
- You will only access or use this website and transact business with us if you are at least 18 years old.
- Interferes with or induces a breach of the contractual relationships between Lock It Mortgage and its employees.
- Is in any way unlawful or prohibited, or that is harmful or destructive to anyone or their property.
- Transmits any advertisements, solicitations, schemes, spam, flooding, or other unsolicited email or commercial communications.
- Transmits any harmful or disabling computer codes or viruses.
- Harvests email addresses from this site.
- Transmits unsolicited email to this site or to anyone whose email address is included in the domain name under this website.
- Interferes with our network services.
- Attempts to gain unauthorized access to our network services.
- Suggests an express or implied affiliation with Lock It Mortgage (without the express written permission of Lock It Mortgage).
- Impairs or limits our ability to operate this website or any other person’s ability to access and use this website.
- Uses any methods, means, or devices to click on to this website or cause a visit to this website for the purpose of manipulating the results of any internet search engine, or for any other purpose other than conducting mortgage banking-related business with Lock It Mortgage as a bona fide client.
- Unlawfully impersonates or otherwise misrepresents your affiliation with any person or entity.
- Harms minors in any way, including, but not limited to, transmitting or uploading content that violates child pornography laws, child sexual exploitation laws, and laws prohibiting the depiction of minors engaged in sexual conduct.
- Transmits or uploads pornographic, violent, obscene, sexually explicit, discriminatory, hateful, threatening, abusive, defamatory, offensive, harassing, or otherwise objectionable content or images.
- Harms, threatens, harasses, abuses, or intimidates another person in any way or involves images or content that depicts, promotes, encourages, indicates, advocates, or tends to incite the commission of a crime or other unlawful activities.
- Dilutes or depreciates the name and reputation of Lock It Mortgage or any of its affiliates; that transmits or uploads any content or images that infringes any third party’s intellectual property rights or infringes any third party’s right of privacy.
- Unlawfully transmits or uploads any confidential, proprietary, or trade secret information.
Access and Use of This Website
Lock It Mortgage reserves the right at all times, in its sole discretion and without notice to you, to deny your access to and use of this website. You agree and acknowledge that you have the sole responsibility and liability for your use of this website and for providing or obtaining, and for maintaining, all of the hardware, software, electrical power, telecommunications, internet services, and other products or services necessary or desirable for you to access and use this website.
Intellectual Property Rights
Web Page Content
You acknowledge and agree that all content, web pages, source code, calculations, products, materials, data, information, text, screens, functionality, services, design, layout, screen interfaces, “look and feel,” and the operation of this website (collectively “Web Page Content”) is accurate.
Furthermore, you acknowledge and agree that you do not acquire any ownership rights by downloading or viewing any Web Page Content. You further acknowledge and agree that you will not in any way copy, reproduce, publish, create derivative works from, perform, upload, post, distribute, transfer, transmit, modify, adapt, reverse engineer, frame in any web page, or alter the appearance of any Web Page Content.
You may not use Web Page Content, domain names (in whole or in part), or email addresses related to or derived from this website, nor any data, trademarks, functionality, service marks, trade names, brand names, and/or logos contained within or derived from this website, for any purpose.
Meaning that you may not, among other prohibited uses, use any Web Page Content, domain names, email addresses, data, trademarks, service marks, trade names, brand names, and/or logos on or derived from this website:
- In or as any meta-tag or hidden text.
- In or as part of any contextual marketing directory, index, or triggering term; as content or advertising related to any other website including, but not limited to, comparative/informational websites; and/or as a variable or data element in any algorithm that causes another internet browser to appear on, over, or at the same time as the Company’s website or controls the content of any other internet browser window.
Submissions
You acknowledge and agree that all submissions to Lock It Mortgage containing any comments, improvements, suggestions, and ideas regarding this website will become and remain our exclusive property, including any future rights associated with such submissions, even if the provisions of these Terms of Use are later modified or terminated. This means that you forever disclaim any proprietary rights in such submissions, and you acknowledge Lock It Mortgage’s unrestricted right to use, publish, and commercially exploit identical, similar, or derivative ideas originating from your submission, in any medium, now and in the future, without notice, compensation, or other obligation to you or any other person.
Testimonials and Linking
You acknowledge and agree that all testimonials submitted to Lock It Mortgage through third-party sites such as Google and any social media platform will become and remain our exclusive property. You irrevocably grant to Lock It Mortgage the unrestricted right to use your statement, image, likeness, as they may be used, in any medium, in connection with an advertisement or for any other publicity purpose. You further agree that Lock It Mortgage may use any percentage of your testimonial, image, likeness, and/or works, in any way that it sees fit, and may exclude your name or use a fictitious name herewith.
No Advertising / No Links: Lock It Mortgage does not permit third-party advertising on this website. Except with the written permission of Lock It Mortgage, you agree that you will not create links from any website or web page to this website or any web page within this website.
Revisions & Modifications
You agree and acknowledge that we may revise or change these Terms of Use at any time, without notice to you, and you agree that you will be bound by the provisions of these Terms of Use as they appear on this website at the time you access this website. Because these Terms of Use may change, we encourage you to refer back often to these Terms of Use. In addition, you agree and acknowledge that all other content, services, products, and materials on or available through this website are subject to updating and revision without notice to you. You further acknowledge and agree that individual modifications to the Terms of Use may not be altered by contract unless expressly permitted in writing by the President of Lock It Mortgage.
Location
You understand and acknowledge that Lock It Mortgage controls and operates this website from within the United States of America. This website provides information regarding services and products that are made available in the United States only. We make no representation that the services or products about which information may be provided on this website will be available (a) anywhere outside of the United States or (b) in every state within the United States. You acknowledge and agree that you are responsible for compliance with all federal, state, and local laws applicable to your access to and use of this website.
User IDs and Passwords for Our Website
Certain areas or features of this website may be restricted to users who have obtained a user identification and password by completing a registration process described on this website. Please be sure to protect and maintain the confidentiality of any user identification, password, or other identifying information you may obtain in connection with your use of this website. You agree to notify Lock It Mortgage immediately if you believe your user identification, password, or other identifying information has been lost, stolen, or otherwise compromised. You also acknowledge and agree that you are solely responsible for all damages or claims that may arise from any access to or use of this website by any person to whom you have provided your user identification, password, or other identifying information.
Indemnification
If you make any unauthorized use of this website or violate the Terms of Use, you may be in violation of copyright and other laws of the United States, as well as applicable state laws, and may be subject to penalties. You agree to indemnify Lock It Mortgage and its affiliates, vendors, and licensors, and all of the employees, officers, directors, agents, and representatives of Lock It Mortgage and its affiliates, vendors, and licensors, against, and to hold all of them harmless from, all costs, claims, damages, expenses, or other losses, including attorney’s fees and court costs, that arise from or are related to your use of this website and/or your breach/violation of or failure to comply with the Terms of Use.
Disclaimers
The web page content on or available through this website is provided “as is” and without warranties of any kind, either express or implied. To the fullest extent permissible under applicable law, Lock It Mortgage disclaims all warranties, express or implied, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Lock It Mortgage makes no representation or warranty regarding the web page content or its use thereof. The web page content on or available through this website could include inaccuracies or typographical errors and could become inaccurate because of developments occurring after their respective dates of preparation or publication. Lock It Mortgage has no obligation to maintain the currency or accuracy of any web page content on or available through this website. You acknowledge and agree that Lock It Mortgage is not, and shall not be, responsible for the results of any defects that may exist in this website or its operation. Lock It Mortgage makes no representation or warranty that access to the website will be uninterrupted, timely, secure, or free of errors, viruses, or other harmful components. You agree that you, and not Lock It Mortgage, will bear the entire cost of all servicing, repair, correction, or restoration that may be necessary for your data, software programs, or computer equipment as a result of using or visiting this website.
Limitation Of Liability
You agree that under no circumstances will Lock It Mortgage be liable to you or any other person or entity for any damages or injury, including any direct, special, incidental, consequential, or punitive damages or any damages or injury caused by error, inaccuracy, omission, interruption, defect, failure of performance, delay in operation or transmission, telecommunications failure or computer virus or other problem, that may result from the use of, or the inability to use, this website or the web page content on or available through this website. You agree that Lock It Mortgage shall not be liable even if we or our authorized representatives have been advised of the possibility of such damages. If applicable law does not allow the complete exclusion of certain liability indicators, you agree that in no event shall Lock It Mortgage’s total aggregate liability to you for damages, losses, and causes of action exceed the specific amount paid by you, if any, in accessing or using this website.
Communication With Company
Time Sensitive Instructions: When communicating with us through this website, chat, or via email, do not use the website, chat, or email to communicate any time-sensitive instructions that are in any way related to or affect your loan, loan application, or closing (such as interest rate locks, cancellation of a closing, rescissions, or the like). Such instructions will not be honored. All transactions conducted on this website, chat, or via email must be confirmed in writing by us to be accepted by and binding upon us.
Loan Approvals: All loan approvals, qualifications, rate locks, deposit, and refund agreements, and the like, are only made by Lock It Mortgage in writing. Approvals and qualifications are conditional in accordance with their terms except as specifically provided for in writing signed by Lock It Mortgage.
Credit Reports: By applying for credit, you are authorizing Lock It Mortgage to obtain a copy of your credit report. As a result, a “hard” inquiry may appear on your credit report. A hard inquiry may affect your credit score.
E-Signature: General communications through this website, chat, or via email are not intended by us to constitute either an electronic record or an electronic signature, or to constitute any agreement by the sender to conduct a transaction by electronic means, unless a specific statement to the contrary is included in the message and specific e-signature procedures are employed. However, your assent to a “click to accept” button or box is binding upon you.
Recording & Monitoring of Communications: Your communications with us via the website, chat, email, and telephone may be recorded or monitored and by using such communication methods you are consenting to the recording or monitoring of the same.
Contact Methods & Opt-Out: If you submit an inquiry to Lock It Mortgage through this website or otherwise, you understand and agree that we may share the information that you provide, including your full name, contact lines, and application details with our authorized wholesale affiliates and processing networks so that they may respond to your inquiry to secure loan approval. Nothing in these Terms of Use or on this website constitutes an offer for an immediate loan commitment or unconditional interest rate lock agreement. By submitting your contact parameters, you are consenting to be contacted by our company, our corporate agents, or lending partners via telephone (on a recorded line), automated calling, pre-recorded calling, text message, email, or fax, even if you have opted in to the National Do Not Call List or any state equivalent registry.
To opt out of future updates, contact us directly at info@lockitmtg.com.
Application of Additional Terms
You acknowledge that certain features of this website, as well as other products and services of Lock It Mortgage, including those that may be available through this website, may be subject to terms, conditions, and disclaimers in addition to these Terms of Use, and you agree that your use of such products and services will be subject to such additional terms, conditions, and disclaimers.
Agreement To Provide Accurate Information
In making a loan inquiry, application, or in entering into any other transaction or request for information on this website, you agree to provide accurate, true, current, and complete information upon which Lock It Mortgage may rely.
Your Cooperation Is Needed
Lock It Mortgage generally begins processing your application (which may include ordering an appraisal, credit report, title commitment, and other necessary items) upon the submission of a full and complete application. If you submit an application, you agree to cooperate in the application process (including submitting all required documentation in a timely manner) and, if needed, to obtain information Lock It Mortgage may need from third parties such as your bank, employer, current mortgage company, etc. In addition, you agree to notify Lock It Mortgage of any changes in any information submitted in connection with your application.
Governing Law And Dispute Resolution
You agree that these Terms of Use shall be governed by and construed in accordance with the laws of the State of Texas, without giving effect to any principles of conflicts of law. For residential mortgage transactions, mandatory consumer protection statutes of the state where the subject property is physically located shall take precedence where required by local state mortgage regulations. You understand and agree to resolve through final and binding arbitration all claims, disputes, or controversies arising from the Telephone Consumer Protection Act of 1991 (“TCPA”), or state law claims similar to the TCPA. Any state or federal court having jurisdiction thereof may enter judgment of any award the arbitrator renders. Neither you nor Lock It Mortgage are entitled to join or consolidate claims in arbitration by or against other consumers or to arbitrate any claim as a representative or member of a class or in a private attorney general capacity. The parties voluntarily and knowingly waive any right they have to a jury trial for TCPA-related matters which will be arbitrated. You agree that any other action(s) at law or in equity arising out of or relating to these Terms of Use or the use of this website shall be filed only in the state or federal courts located in Dallas County, Texas, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating.
Deposit / Refund Policy
When you submit a loan application, Lock It Mortgage will begin to process your application and, as a result, will advance on your behalf costs for certain third-party expenses. If you do not fully cooperate in or complete the application process (including submitting all required documentation in a timely manner), choose to withdraw your application, or choose not to close the transaction for any reason, you may be required to pay for some or all of Lock It Mortgage’s third-party costs. Please review your deposit agreement for details specific to your loan application.
Reasonable Efforts
While Lock It Mortgage will use all of its reasonable efforts to have your application fully processed and closed on or before any applicable rate lock expiration date (if any) and/or anticipated closing date, some processes are not under our control. For instance, Lock It Mortgage cannot be responsible for delays in loan approval or closing due to: the untimely receipt of an acceptable appraisal; the untimely receipt of required documentation; your existing home not selling; matters disclosed by a title commitment or survey; or any other matters beyond Lock It Mortgage’s reasonable control.
Mortgage Broker Operational Status, Rate Lock Exclusions, and Pre-Qualification Scope
Lock It Mortgage operates exclusively as a licensed mortgage company arranging residential loans through third-party wholesale institutional investors. We do not act as a depository bank, direct funding lender, or definitive underwriting entity. Any interest rate calculations, real-time market scenario quotes, automated pre-qualification badges, or conditional loan program matches generated through this digital platform are provided solely for illustrative, preliminary consumer informational purposes. They do not constitute a formal commitment to lend, an underwriting approval, a structural offer of credit, or a guaranteed reservation of terms. Furthermore, despite our registered trade name, nothing on this website or within our digital application intake channels establishes an automatic mortgage rate lock or rate-protection agreement. A binding rate lock can only be initiated following a comprehensive review of a complete loan file and is established exclusively when Lock It Mortgage issues a formal, written, signed Rate Lock Confirmation agreement detailing the lock-in period, specific expiration dates, and explicit financial parameters. Final loan approvals are subject to changing market conditions, independent certified real estate appraisals, clean property title examinations, dynamic wholesale investor adjustments, and complete documentation verifying an applicant’s credit history, stable income streams, and liquid financial assets.
Electronic Business Operations and E-SIGN Consent
By interacting with this platform, creating a digital profile, or submitting an online mortgage pre-qualification or application request, you acknowledge and agree to conduct business electronically with Lock It Mortgage under the Federal Electronic Signatures in Global and National Commerce Act (E-SIGN). You consent to receive all mandatory disclosures, loan terms, and initial broker communications in an electronic format.
You retain the right to request paper disclosures by emailing our team at info@lockitmtg.com or calling our mainline at 888-870-5625, though opting out of electronic communications may limit your ability to utilize our online portal utilities.
