Mortgage & Real Estate Compliance Disclosures
Elite Realty Group | Kalamazoo — Transparency, Privacy & Consent for Real Estate and Mortgage Services
This page explains how we operate as mortgage and real estate professionals, how we use and protect your information, and how we communicate with you. Please read these Terms of Service, Privacy Policy, and TCPA-compliant consent disclosures carefully before using our website, property search tools, or requesting a consultation.
Effective Date: January 20, 2026
1. Overview & Scope of These Disclosures
Southwest Michigan Home Advisors (the “Company”, “we”, “us”, or “our”) provides mortgage-related information, introductions to licensed mortgage loan originators, and real estate services and referrals in Southwest Michigan. This page governs your use of our website, contact forms, property search tools, text messaging and email communications, and any consultation or referral services we provide (collectively, the “Services”).
By accessing or using the Services, submitting your information through any form, scheduling a consultation, or using our property search tools, you acknowledge that you have read, understood, and agree to be bound by the Terms of Service, Privacy Policy, and TCPA communication consents outlined on this page. If you do not agree, do not use our Services.
- Applies to visitors and users located in the United States, with a primary focus on clients and prospects in Southwest Michigan.
- Applies to both mortgage-related and real estate-related information and introductions we facilitate.
- Supplements any state or federal disclosures provided by licensed mortgage loan originators, lenders, and real estate brokers we partner with.
- Does not replace federal or state-required disclosures such as Loan Estimates, Closing Disclosures, or agency disclosures that you may receive directly from those parties.
2. Terms of Service
2.1 Use of Website, Content & Property Search Tools
Our website and property search tools are provided for general informational and educational purposes to help you understand home financing and real estate options in Southwest Michigan. We strive for accuracy but do not guarantee that any content, rate, estimate, listing, or calculation is complete, current, or error-free. All information is subject to change without notice and may be based on third-party data sources and Multiple Listing Service (MLS) feeds.
- You agree not to use the website or tools for any unlawful or unauthorized purpose.
- You may not scrape, copy, or resell our content, tools, or property data without written permission.
- All property search results are provided “as-is” and may be subject to availability, prior sale, withdrawal, or change in price or terms.
- Any mortgage calculations or payment estimates are for illustrative purposes only and do not constitute a loan offer or approval.
2.2 No Guaranteed Approvals or Outcomes
Nothing on this website or in our communications constitutes a commitment to lend, a mortgage approval, a rate lock, or a guarantee that you will qualify for a specific loan program or purchase a specific property. All loan approvals, terms, and conditions are determined by licensed lenders and mortgage companies based on their independent underwriting standards and applicable laws.
2.3 Professional Relationship Disclosures
Southwest Michigan Home Advisors may act as a real estate professional, a marketing and consultation service, or a referral source, depending on your specific situation. In some cases, we may refer you to third-party licensed mortgage loan originators, lenders, or real estate brokers and may receive compensation for those referrals as allowed by applicable law and regulations such as the Real Estate Settlement Procedures Act (RESPA).
- We will clearly identify when you are working directly with a licensed real estate agent versus a referred third-party professional.
- Any fees, referral relationships, or affiliated business arrangements will be disclosed to you in writing where required by law.
- You are free to choose any lender, broker, or real estate agent of your choice; you are not required to work with any recommended provider.
- Nothing on this website creates an agency relationship or client-broker relationship until a separate written agreement is signed with the appropriate licensed professional.
2.4 No Legal, Tax, or Financial Advice
Information provided through the Services is not intended as legal, tax, or investment advice. You should consult with your own attorney, tax advisor, financial planner, or other qualified professionals before making any decisions regarding financing, purchasing, or selling real estate.
Key Consumer Notices
- Equal Housing Opportunity — We support and comply with all fair housing laws.
- All loans are subject to credit approval and underwriting guidelines of the lender.
- Rates, terms, and programs may change without notice.
- Not all applicants will qualify for the lowest rates or all loan programs.
Questions About These Terms?
You may contact us using the information in the Contact & Acknowledgment section below if you have any questions regarding these Terms of Service.
3. Privacy Policy & Data Protection
We respect your privacy and are committed to protecting the personal information you share with us. This Privacy Policy describes the types of information we collect, how we use it, how we share it, and the choices you have regarding your data.
3.1 Information We Collect
- Contact information such as your name, email address, phone number, and mailing address when you submit a form or schedule a consultation.
- Home search preferences such as price range, property type, location areas, and timeframe when you use our property search or request alerts.
- Financial profile details that you voluntarily share, such as estimated credit score range, income range, and down payment amount, solely for the purpose of discussing potential mortgage options.
- Technical data such as IP address, browser type, device identifiers, and pages visited, collected through cookies and similar technologies.
- Communication records including emails, call notes, and text messages related to your inquiries and our Services.
3.2 How We Use Your Information
We use your information only for legitimate business purposes related to providing and improving our mortgage and real estate Services, including:
- Responding to your inquiries and providing personalized guidance on home buying, selling, or financing.
- Connecting you with licensed mortgage and real estate professionals who may best fit your needs, with your permission.
- Sending you property alerts, market updates, mortgage education, or appointment confirmations consistent with your communication preferences.
- Improving our website, marketing, and Services based on aggregate usage data and feedback.
- Complying with legal obligations, regulatory requirements, and record-keeping standards.
3.3 How We Share Your Information
We do not sell your personal information to third parties. We may share your information only in the following situations:
- With licensed mortgage loan originators, lenders, and real estate professionals when you ask us to connect you or when such sharing is reasonably necessary to fulfill your request.
- With technology and marketing service providers that help us operate our website, manage leads, send communications, or analyze performance, under contracts that require them to protect your information and use it only for our specified purposes.
- When required by law, regulation, subpoena, or court order, or to protect our legal rights, clients, or the public.
- In connection with a business transaction such as a merger or acquisition, subject to applicable confidentiality and data protection requirements.
3.4 Data Security & Retention
We use commercially reasonable administrative, technical, and physical safeguards designed to protect your information from unauthorized access, use, alteration, or disclosure. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.
We retain your information only for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, comply with legal and regulatory requirements, resolve disputes, and enforce our agreements. Where possible, data that is no longer needed is de-identified or aggregated.
3.5 Your Choices & Rights
- You may opt out of marketing emails at any time by using the unsubscribe link included in those emails.
- You may opt out of text messages as described in the TCPA Consent section below.
- You may request access, updates, or deletion of certain personal information we hold about you, subject to applicable law and legitimate business needs.
- If you have questions or concerns about privacy, you may contact us using the information in the Contact & Acknowledgment section.
4. TCPA-Compliant Communication Consent
By providing your contact information on this website or through any of our forms, you understand and agree that you may be contacted by Southwest Michigan Home Advisors and/or our mortgage and real estate partners using the methods and for the purposes described below, in compliance with the Telephone Consumer Protection Act (TCPA) and related regulations.
4.1 Consent to Calls, Texts, and Emails
- You give express written consent to receive phone calls, prerecorded or artificial voice messages, and text (SMS and MMS) messages at the number(s) you provide, including through the use of an automatic telephone dialing system or similar technology.
- You consent to receive emails at the email address(es) you provide regarding your inquiries, appointments, property alerts, mortgage education, and relevant services.
- These communications may be made by Southwest Michigan Home Advisors and, when applicable, by our mortgage and real estate partners that are involved in fulfilling your requests.
- Your consent is not a condition of purchasing a property, obtaining a loan, or using any of our Services. You may contact us by phone or email if you prefer not to submit information online.
4.2 Message Frequency & Rates
Message frequency may vary based on your level of engagement, active property searches, and ongoing communications regarding your home buying or financing journey. Standard message and data rates may apply according to your mobile phone carrier plan. You are responsible for any charges from your carrier.
4.3 How to Opt Out
- Text messages: You may opt out of receiving text messages at any time by replying STOP to any message you receive from us. You may also reply HELP for assistance.
- Phone calls: You may request that we no longer call you by informing our team member during any call or by contacting us via email or mail using the contact information provided below.
- Emails: You can unsubscribe from marketing emails by clicking the unsubscribe link included at the bottom of those emails.
- Please allow a reasonable amount of time for your opt-out requests to be processed. You may still receive transactional or legally required communications where permitted by law.
By using our forms and Services, you confirm that the phone number(s) and email address(es) you provide are accurate, that you are the current subscriber or authorized user, and that you will notify us promptly if your contact information changes or is reassigned.
5. Property Search, Listings & Consultation Services
Our property search and consultation services are designed to help you explore available homes in Southwest Michigan and understand potential financing scenarios. By using these tools and services, you agree to the terms set forth in this section, in addition to all other terms on this page.
5.1 MLS Data & Listing Information
Property data may be sourced from one or more Multiple Listing Services (MLS) and other third-party providers. All information is deemed reliable but not guaranteed and should be independently verified by you and your real estate and mortgage professionals.
- Listing availability, pricing, and features may change at any time without notice.
- Square footage, lot size, year built, and other property details should be verified by you, your inspector, and your real estate professional.
- Past or projected performance (such as rental income or appreciation) is not a guarantee of future results.
- School, neighborhood, and commute information is approximate and should be confirmed independently.
5.2 Use of Saved Searches & Alerts
If you create saved searches, favorite properties, or request property alerts, you authorize us to use your preferences to send you relevant updates, recommendations, or reminders by email, text message, or other agreed-upon methods, subject to your communication preferences and TCPA consent choices.
5.3 Consultation Services & Limitations
Any initial consultation, whether by phone, video, or in person, is for the purpose of understanding your goals and explaining possible options. It does not by itself create a binding client relationship, buyer representation agreement, listing agreement, or loan application. These relationships are established only when you sign the appropriate separate written agreement with the relevant licensed professional.
6. Additional Terms, Limitations & Disclaimers
6.1 Geographic Scope & Licensing
Our Services are primarily intended for properties and clients located in Southwest Michigan and are subject to applicable Michigan and U.S. federal laws. Any references to licensing, brokerage, or lender information are specific to the jurisdictions in which those professionals are authorized to operate. We do not represent that our Services are appropriate or available in other locations.
6.2 Accuracy, No Warranties & Limitation of Liability
While we make reasonable efforts to provide accurate and up-to-date information, the Services and all content are provided on an “as-is” and “as-available” basis without any warranties of any kind, whether express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranties arising out of course of dealing or usage of trade.
To the extent allowed by law, Southwest Michigan Home Advisors will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising out of or related to your use of the Services, even if we have been advised of the possibility of such damages. In no event will our total liability exceed the amount (if any) that you have paid directly to us for the specific Service giving rise to the claim.
6.3 Changes to These Terms & Policies
We may update these Terms of Service, Privacy Policy, and TCPA disclosures from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will update the Effective Date at the top of this page and, where required by law, provide additional notice. Your continued use of the Services after any changes are posted constitutes your acceptance of the updated terms.
If you have any questions about these Terms of Service, our Privacy Policy, TCPA consent, professional relationships, or how your information is used, you may contact us at:
Elite Realty Group | Kalamazoo
Attn: Compliance & Privacy
Southwest Michigan, USA
Email: [email protected]
Phone: (269)-903-8400
Please do not include account numbers, Social Security Numbers, or other highly sensitive personal information in unencrypted email or text messages.
8. Acknowledgment of Understanding
By continuing to use this website, submitting your information, or engaging with our property search and consultation services, you acknowledge that:
- You have read and understand the Terms of Service, Privacy Policy, and TCPA-compliant communication consent on this page.
- You understand the nature of our professional relationships, referral arrangements, and the limitations of the information we provide.
- You understand that mortgage approvals, rates, and property availability are determined by third parties and are not guaranteed by Southwest Michigan Home Advisors.
If you do not agree with any part of these disclosures, you should discontinue use of the website and Services and contact us directly to discuss any questions before proceeding.
Common Compliance Questions
Does submitting my information mean I am applying for a mortgage?
No. Submitting your contact details or request for information does not constitute a formal mortgage application. A mortgage application occurs only when you complete a lender’s official application form (such as a Uniform Residential Loan Application) and provide all required documentation directly to that lender.
Do I have to work with the lenders or agents you recommend?
No. You are always free to choose any lender, mortgage broker, or real estate agent you prefer. Our recommendations are based on our experience and understanding of your goals, but you are under no obligation to use any particular provider.
Can I use your website without receiving marketing messages?
Yes. You may browse our website without submitting personal information. If you prefer not to receive marketing communications, do not submit forms requesting follow-up; or if you already have, you can opt out of emails and text messages at any time as described in the TCPA and Privacy sections.
How often do you update your legal disclosures?
We review these disclosures periodically and update them when there are changes in our practices, technology platform, or applicable laws. You can always find the most current version on this page, indicated by the Effective Date at the top.