Terms and Conditions

1. Use of Site

This Site is intended for individuals seeking information about our mortgage-related services. You agree to
use this Site only for lawful purposes and not for any illegal or unauthorized activity.

2. No Financial or Legal Advice

The content provided on this Site is for informational purposes only and does not constitute financial, legal, or
professional advice.

3. Eligibility

You must be at least 18 years old and a resident of the United States to use our services.

4. Privacy

Our use of your information is governed by our Privacy Policy. By using the Site, you consent to the collection
and use of information as described therein.

5. SMS Consent (A2P

Compliance)
By submitting your phone number through this website, you consent to receive SMS messages. Message &
data rates may apply. Reply STOP to opt out.

6. Intellectual Property

All content, trademarks, logos, and software on this Site are the property of TMES or its licensors and are
protected by copyright laws.

7. Third-Party Links
This Site may contain links to third-party websites. TMES is not responsible for their content or practices.

8. Limitation of Liability

TMES is not liable for any damages resulting from your use of the Site or reliance on content provided.

9. No Guarantee of Loan

Approval
Use of this Site or communication with TMES does not guarantee loan approval. All lending decisions are
subject to review.

10. Modifications

We may revise these Terms at any time. Continued use of the Site constitutes acceptance of any changes.

11. Governing Law

These Terms are governed by the laws of the Commonwealth of Virginia. Disputes will be resolved in Fairfax
County.

12. Contact Us

Email: cnassief@tmes.com
Phone: 703-255-5810

Website: www.tmes.com