Effective Date: August 17, 2026

These Terms and Conditions (“Terms”) govern your access to and use of montanafamilymortgage.com and related websites, forms, communications, content, tools, and services provided by Montana Family Mortgage (collectively, the “Services”). By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Services.

1. About Montana Family Mortgage

Montana Family Mortgage is a mortgage brokerage located at 2825 Stockyard Road, Suite J5, Missoula, Montana 59808. Montana Family Mortgage is NMLS #1625135 and is licensed in Montana. Licensing information is available through NMLS Consumer Access at www.nmlsconsumeraccess.org.

2. Informational Use; No Commitment to Lend

Website content is provided for general informational and educational purposes and is not legal, tax, investment, accounting, or financial-planning advice. Mortgage programs, underwriting requirements, rates, fees, terms, and availability may change without notice and vary based on borrower qualifications, property, market conditions, lender requirements, and other factors.

Nothing on the website constitutes an approval, commitment to lend, lock agreement, guarantee of financing, or binding offer. Prequalification or preapproval is conditional and is not a final loan approval. A loan is not approved until all underwriting conditions are satisfied and the applicable lender issues final approval. Formal loan terms are provided through applicable disclosures and written agreements.

3. Accuracy and Availability

We strive to provide accurate and current information but do not warrant that website content, calculators, estimates, rates, property data, third-party information, or other materials are complete, current, or error-free. Calculators and examples are estimates only and may exclude taxes, insurance, mortgage insurance, closing costs, association dues, or other expenses. We may modify, suspend, or discontinue any part of the Services at any time.

4. Eligibility and Acceptable Use

You agree to use the Services only for lawful purposes and not to:

• Provide false, misleading, fraudulent, or unauthorized information.
• Impersonate another person or submit information without authority.
• Interfere with website security, availability, operation, or other users.
• Introduce malicious code, scrape content through unauthorized automated means, or attempt unauthorized access.
• Use website content or systems in violation of law or third-party rights.

5. Applications, Documents, and Electronic Communications

You are responsible for ensuring that information and documents you provide are accurate, complete, and authorized. Submitting information through the website does not obligate Montana Family Mortgage or any lender to offer or approve a loan.

By providing contact information, you authorize us to respond using the channels you selected or used, subject to applicable law and your communication preferences. Electronic communications do not replace any separate consent or disclosure required under the federal E-SIGN Act or other applicable law.

6. SMS Messaging Terms

By affirmatively opting in to receive text messages from Montana Family Mortgage, you agree to receive recurring conversational and informational SMS or MMS messages related to your mortgage inquiry or relationship with us. Messages may include responses to inquiries, appointment confirmations and reminders, document requests, application updates, loan-status updates, closing or servicing information, customer-support communications, and other messages you request or authorize.

Marketing or promotional text messages will be sent only where permitted by law and consistent with the consent provided. Consent to receive text messages is not a condition of purchasing any property, product, or service.

Message frequency: Message frequency varies based on your interactions, requests, and mortgage transaction. You may receive multiple messages during an active inquiry or loan process and fewer or no messages when no action is pending.

Message and data rates: Message and data rates may apply according to your wireless plan. Contact your carrier for details.

Opting out: Reply STOP to any message to unsubscribe from SMS messages. We will also honor other reasonable requests to revoke consent as required by law. After opting out, you may receive one confirmation message. Opting out of SMS does not prevent us from communicating through other lawful channels or sending communications required by law.

Help: Reply HELP for assistance, call (406) 668-3724, or email davek@montanafamilymortgage.com.

Supported carriers and delivery: Wireless carriers are not liable for delayed or undelivered messages. Message delivery is subject to carrier networks, device compatibility, and factors outside our control. We do not guarantee uninterrupted or error-free delivery.

Mobile-number responsibility: You represent that you are the subscriber or customary user of the mobile number provided and are authorized to consent to messages at that number. Notify us promptly if the number is reassigned, disconnected, or no longer used by you.

SMS security: SMS is not guaranteed to be secure. Do not text Social Security numbers, account passwords, full financial account numbers, or other highly sensitive information. Use the secure method we provide for sensitive documents and data.

Privacy: Our collection and use of mobile information are governed by our Privacy Policy at https://montanafamilymortgage.com/privacy/. Mobile phone numbers, SMS consent, and text-message opt-in information are not sold, rented, or shared with third parties or affiliates for their marketing or promotional purposes. Text-message originator opt-in data and consent are shared only with service providers used to provide or support messaging, or as required by law.

7. Intellectual Property

Website content, logos, graphics, text, videos, designs, software, and other materials are owned by or licensed to Montana Family Mortgage and are protected by applicable intellectual-property laws. You may view and print reasonable portions for personal, noncommercial use. You may not reproduce, distribute, modify, create derivative works, publicly display, sell, license, or commercially exploit content without written permission.

8. Third-Party Services and Links

The Services may link to or integrate with third-party websites, loan portals, calculators, rate data, mapping tools, social networks, or other services. We do not control and are not responsible for their content, availability, security, terms, or privacy practices. Your use of third-party services is governed by their terms.

9. Privacy

Our Privacy Policy at https://montanafamilymortgage.com/privacy/ is incorporated into these Terms. Mortgage customers may also receive a separate federal GLBA/Regulation P privacy notice.

10. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” MONTANA FAMILY MORTGAGE DISCLAIMS ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, AND SECURITY. NOTHING IN THESE TERMS EXCLUDES WARRANTIES OR RIGHTS THAT CANNOT LAWFULLY BE EXCLUDED.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MONTANA FAMILY MORTGAGE AND ITS OWNERS, EMPLOYEES, AGENTS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, DATA, OPPORTUNITIES, OR GOODWILL, ARISING FROM OR RELATED TO THE SERVICES. THESE LIMITATIONS DO NOT APPLY TO LIABILITY THAT CANNOT LAWFULLY BE LIMITED.

12. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless Montana Family Mortgage and its owners, employees, and agents from claims, losses, liabilities, and expenses arising from your unlawful misuse of the Services, your violation of these Terms, or information or materials you submit without authority.

13. Governing Law and Venue

These Terms are governed by the laws of the State of Montana and applicable federal law, without regard to conflict-of-law principles. Any dispute not subject to another binding agreement must be brought in a court of competent jurisdiction in Missoula County, Montana, unless applicable law requires otherwise.

14. Changes to These Terms

We may update these Terms by posting a revised version with a new effective date. Changes apply prospectively unless otherwise stated or required by law. Continued use of the Services after the effective date constitutes acceptance of the revised Terms.

15. Severability; No Waiver; Entire Agreement

If a provision is found unenforceable, it will be enforced to the maximum permissible extent and the remaining provisions will remain effective. Failure to enforce a provision is not a waiver. These Terms and incorporated policies constitute the agreement concerning website use, but do not replace loan disclosures, contracts, or other transaction-specific agreements.

16. Contact Information

If you have any questions about these Terms and Conditions, please contact us at:

Montana Family Mortgage

2825 Stockyard Road, Suite J5
Missoula, MT 59808

(406) 668-3724 | davek@montanafamilymortgage.com
NMLS #1625135

This document was last updated on 08/17/2026