Terms of Use

Last Revised: April 9, 2026

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PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING ANY MICHIGAN MORTGAGE SOLUTIONS SERVICE. BY ACCESSING OR USING OUR SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE, DO NOT USE OUR SERVICES.

These Terms of Use ("Terms") govern your access to and use of all Michigan Mortgage Solutions digital properties, including www.michiganmortgagesolutions.com, www.homenowmichigan.com, www.mmswebinars.com, and the MMS Mortgage App mobile application. These Terms constitute a legally binding agreement between you and Michigan Mortgage Solutions ("we," "us," or "our"), operated by Trevor Sines, NMLS #136972, located at 35 W Huron St, Suite #301, Pontiac, MI 48342.

1. Eligibility

You must be at least eighteen (18) years of age to use our Services. Our Services are intended for use by residents of the United States only. If you are accessing our Services on behalf of a business entity, you represent that you have authority to bind that entity to these Terms.

2. Not a Commitment to Lend

Nothing on our Services, including mortgage calculators, rate estimates, pre-qualification results, loan scenarios, or any other tool or content, constitutes a commitment, offer, or guarantee of a mortgage loan or any specific rate, term, or product. All rates, calculations, and figures are estimates for informational and planning purposes only. Actual loan terms are subject to credit approval, underwriting, property appraisal, and market conditions at the time of application.

Michigan Mortgage Solutions is a licensed mortgage broker. Loans are subject to lender approval. Michigan Mortgage Solutions | Corporate NMLS #136972 | Licensed in the State of Michigan.

3. Use of Our Services

You agree to use our Services only for lawful purposes. You agree that you will not: use our Services in violation of applicable law; submit false, misleading, or fraudulent information in connection with a mortgage application; attempt to gain unauthorized access to any part of our Services; use automated tools to scrape or extract data without our prior written consent; interfere with the integrity or performance of our Services; or impersonate any person or entity.

4. The MMS Mortgage App

The MMS Mortgage App allows you to submit personal and financial information, upload documents, use mortgage calculators, and communicate with a loan officer in connection with a mortgage application. By using the App, you acknowledge that: (a) information you submit will be used to process your mortgage inquiry and may be shared with lenders, underwriters, and service providers; (b) providing false or misleading information in connection with a mortgage application is a federal crime under 18 U.S.C. § 1014; (c) submitting information does not guarantee loan approval; (d) you are responsible for maintaining the confidentiality of your login credentials.

5. SMS / Text Message Terms

By providing your mobile phone number and opting in to receive SMS communications, you agree to receive recurring automated and non-automated SMS/MMS text messages, including loan status updates, document requests, appointment reminders, rate information, and follow-up communications. Message frequency varies. Message and data rates may apply. You may opt out at any time by replying STOP. For help, reply HELP or contact us at (248) 963-1894 or [email protected]. Consent to receive SMS messages is not a condition of purchasing any product or service.

6. Calculator and Rate Tools — Disclaimer

Our Services include mortgage calculators and rate estimation tools for Home Purchase, Refinance, Fix & Flip, Ground Up Construction, DSCR, and Bridge loan scenarios. These tools are provided for informational and planning purposes only. All calculations and rates are estimates and do not account for your individual credit profile, property type, loan-to-value ratio, lender overlays, or current market conditions. The display of any rate does not constitute a rate lock or rate commitment.

7. Intellectual Property

All content on our Services is the property of Michigan Mortgage Solutions or its content suppliers and is protected by applicable intellectual property laws. You may access and use our Services for your personal, non-commercial use only. You may not reproduce, distribute, modify, or transmit any content from our Services without our prior written consent.

8. Third-Party Links and Content

Our Services may contain links to third-party websites provided for your convenience only. We do not endorse, control, or assume any responsibility for the content, privacy practices, or terms of any third-party site or service.

9. Privacy

Your use of our Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

10. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, MICHIGAN MORTGAGE SOLUTIONS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL MICHIGAN MORTGAGE SOLUTIONS, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE OUR SERVICES. OUR TOTAL LIABILITY SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00) OR THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, WHICHEVER IS GREATER.

12. Indemnification

You agree to indemnify, defend, and hold harmless Michigan Mortgage Solutions, its officers, directors, employees, agents, licensors, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or related to your use of our Services, your violation of these Terms, or any information or content you submit through our Services.

13. Governing Law and Dispute Resolution

These Terms shall be governed by the laws of the State of Michigan. Any dispute shall first be attempted to be resolved through good-faith negotiation. If unresolved within thirty (30) days, disputes shall be resolved by binding arbitration in Oakland County, Michigan, in accordance with the rules of the American Arbitration Association. YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

14. Regulatory Compliance

Michigan Mortgage Solutions operates as a licensed mortgage broker subject to applicable federal and state laws including RESPA, TILA/Regulation Z, ECOA/Regulation B, the Fair Housing Act, the Gramm-Leach-Bliley Act, the Bank Secrecy Act, and Michigan mortgage broker licensing requirements. Nothing in these Terms limits or waives any rights you may have under applicable federal or state consumer protection or mortgage lending laws.

15. Fair Lending Notice

Michigan Mortgage Solutions is committed to equal opportunity lending. We make lending decisions without regard to race, color, religion, national origin, sex, marital status, age, familial status, disability, or any other characteristic protected by applicable law. If you believe you have been subject to discriminatory lending practices, you may contact the CFPB at www.consumerfinance.gov or (855) 411-2372.

16. Apple App Store and Google Play — Additional Terms

If you download the MMS Mortgage App through the Apple App Store, these Terms are between you and Michigan Mortgage Solutions only, not with Apple Inc. Apple is not responsible for the App or its content, has no obligation to provide maintenance or support, and is not responsible for addressing any claims relating to the App. Apple and Apple's subsidiaries are third-party beneficiaries of these Terms. If you download the App through the Google Play Store, Google Play's Terms of Service apply in addition to these Terms.

17. Termination

We reserve the right to suspend or terminate your access to our Services at any time, with or without cause, with or without notice, effective immediately. You may stop using our Services at any time. If you have an account with the App, you may request account deletion by contacting us at [email protected].

18. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

19. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us on our Services, constitute the entire agreement between you and Michigan Mortgage Solutions with respect to your use of our Services.

20. Contact Us

Michigan Mortgage Solutions
35 W Huron St, Suite #301, Pontiac, MI 48342
Email: [email protected]
Phone: (248) 963-1894

NMLS Consumer Access: www.nmlsconsumeraccess.org