Terms of service

Welcome to our Terms of Service.

These Terms of Service ("Terms") govern your access to and use of https://www.qmslending.com and https://qmslending.com, including any of their pages and subdomains (together, the "Website"), operated by Quality Mortgage Solutions LLC d/b/a QMS Lending ("Quality Mortgage Solutions," "QMS," "we," "us" or "our"). By accessing or using the Website, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree, please do not use the Website.

1. About Us and Licensing

Quality Mortgage Solutions LLC is a mortgage company, NMLS #1781090, with its office at 3105 NW 107th Ave, Suite 400-O6, Doral, FL 33172. We are licensed or registered to conduct mortgage business only in the states listed on our Licensing page, which also identifies each license. Nothing on the Website is an offer or solicitation to make or arrange a mortgage loan in any state in which we are not licensed. You can verify our licenses and those of our loan originators at NMLS Consumer Access.

Quality Mortgage Solutions arranges loans through a network of wholesale, institutional and private lenders. We are not a government agency and are not affiliated with or endorsed by the U.S. Department of Housing and Urban Development (HUD), the Federal Housing Administration (FHA), the Department of Veterans Affairs (VA), the U.S. Department of Agriculture (USDA), Fannie Mae, Freddie Mac or any other government agency or government-sponsored enterprise.

2. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Website or to submit information through it. By using the Website, you represent that you meet these requirements and that any information you provide is true, accurate, current and complete, and that you are authorized to provide it.

3. Information Only; No Commitment to Lend

The content on the Website, including descriptions of loan programs, guidelines, calculators, rates, limits and examples, is provided for general informational purposes only. It is not an offer to lend, a commitment to lend, a loan approval, a rate lock or a guarantee of any rate, payment, fee or term. All loans are subject to credit approval, verification of income, assets and employment, satisfactory appraisal, title and property eligibility, underwriting guidelines and the requirements of the lender or investor funding the loan. Programs, rates, terms, fees and conditions are subject to change without notice and may not be available in all states or for all property types or borrowers.

A pre-qualification or pre-approval is not a commitment to lend. Your actual rate, payment and costs will be stated in the Loan Estimate and Closing Disclosure you receive as required by federal law.

4. Calculators and Estimates

Calculators and estimators on the Website are tools to help you explore scenarios. Their results are hypothetical and depend entirely on the information you enter. They do not include all costs (for example taxes, homeowners insurance, flood insurance, mortgage insurance, homeowners association dues or closing costs) and are not a loan offer, a Loan Estimate or a credit decision.

5. No Legal, Tax or Financial Advice

Nothing on the Website is legal, tax, accounting, investment or financial advice. You should consult your own attorney, tax professional or financial advisor about your particular situation.

6. Electronic Communications and Consent to Contact

When you use the Website or send us email or other electronic communications, you are communicating with us electronically and you consent to receive communications from us electronically. You agree that all agreements, notices, disclosures and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing, except where the law requires another method. Loan disclosures may require a separate electronic consent (E-SIGN consent), which will be requested in your loan application.

By providing your phone number and checking either optional consent box on our forms, you agree to receive calls and the type of text messages you selected from Quality Mortgage Solutions, as described in Section 7 below and in our Privacy Policy and Communication Policy, including by automated means. Consent is not a condition of any loan. Message and data rates may apply. Reply STOP to opt out or HELP for help.

7. Text Message (SMS) Program Terms

Programs. Quality Mortgage Solutions LLC d/b/a QMS Lending offers two optional text message programs. Loan and account messages: replies to your inquiry, loan status updates, document requests, appointment reminders and closing coordination. Marketing messages: rate alerts, new loan program information, refinance opportunities and special offers. You join each program separately by checking its box on our forms. Neither box is pre-checked, and neither is required to submit a form or to obtain a loan.

Message frequency and cost. Message frequency varies based on your loan activity and the program you joined. Message and data rates may apply. Contact your wireless provider with any questions about your text or data plan.

Opting out and help. Reply STOP to any message to cancel. You will receive one message confirming that you have been unsubscribed, and no further messages from that program. Reply START to subscribe again. For help, reply HELP, call 305-425-1990 or email info@qmslending.com.

Carriers. Wireless carriers are not liable for delayed or undelivered messages.

Eligibility. You must be at least 18 years old and the subscriber or an authorized user of the mobile number you provide. If you change or give up that number, please tell us so we can stop texting it.

Privacy. Your information is handled under our Privacy Policy. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties. For privacy questions, email info@qmslending.com.

Hours. We do not send marketing text messages or place telephone solicitation calls before 8:00 a.m. or after 8:00 p.m. in your local time zone.

8. Website Visitors and Information We Collect

Like most website operators, Quality Mortgage Solutions collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Our purpose in collecting non-personally-identifying information is to better understand how our visitors use the Website. From time to time, we may release non-personally-identifying information in the aggregate, for example by publishing a report on trends in the usage of the Website.

Quality Mortgage Solutions also collects potentially personally-identifying information such as Internet Protocol (IP) addresses for logged-in users and for users who leave comments or post content on the Website, if we offer those features. We only disclose logged-in user and commenter IP addresses under the same circumstances in which we use and disclose personally-identifying information, as described in our Privacy Policy.

Certain visitors choose to interact with Quality Mortgage Solutions in ways that require us to gather personally-identifying information. The amount and type of information we gather depends on the nature of the interaction. For example, we ask visitors who request a quote to provide contact information and basic details about the loan they are seeking, and we ask visitors who sign up for a newsletter or blog, if offered, to provide a username and email address. Our full practices are described in our Privacy Policy.

9. Security

The security of your personal information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. You are responsible for keeping any username, password or verification code for our online application or borrower portal confidential and for all activity that occurs under your credentials. Notify us immediately at 305-425-1990 if you believe your credentials have been compromised.

10. Advertisements and Cookies

Ads appearing on our Website may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time it sends you an online advertisement, in order to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. Our Privacy Policy covers the use of cookies by Quality Mortgage Solutions and does not cover the use of cookies by any advertisers.

11. Google Ads Remarketing

The Website may use Google Ads (formerly Google AdWords) remarketing services to advertise on third-party websites, including Google, to previous visitors to our Website. This means we may advertise to previous visitors who have not completed a task on our Website, for example using the contact form to make an inquiry. This could be in the form of an advertisement on the Google search results page or on a site in the Google Display Network. Third-party vendors, including Google, use cookies to serve ads based on someone's past visits. Any data collected will be used in accordance with our Privacy Policy and Google's privacy policy.

You can set preferences for how Google advertises to you using the Google Ad Settings page, and if you want to, you can opt out of interest-based advertising entirely through your cookie settings or permanently by using a browser plugin.

12. Links to External Sites and Third-Party Services

The Website may contain links to external sites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the privacy policy and terms and conditions of every site you visit. We have no control over, and assume no responsibility for, the content, privacy policies or practices of any third-party sites, products or services.

Our online loan application and borrower portal are provided by a third-party loan origination software provider. Your use of those services is also subject to that provider's terms and privacy policy. We are not responsible for interruptions, errors or security incidents in services we do not operate, although we will work with our providers to resolve any issue affecting your loan.

13. Aggregated Statistics

Quality Mortgage Solutions may collect statistics about the behavior of visitors to the Website. We may display this information publicly or provide it to others. However, we do not disclose your personally-identifying information in doing so.

14. Third-Party Communications

We may share your contact information with trusted third-party partners who assist us in delivering our services. These third parties are contractually obligated to protect your information and to use it only for the purposes for which it was shared. We do not sell your personal information to third parties for marketing purposes.

15. Acceptable Use

You agree not to:

• submit false, misleading or fraudulent information, or information about another person without that person's authorization;
• use the Website for any unlawful purpose or in violation of these Terms;
• attempt to gain unauthorized access to the Website, our systems or another user's information, or interfere with the Website's operation or security;
• use any robot, scraper or automated means to access or collect data from the Website without our written permission;
• upload or transmit viruses, malware or other harmful code; or
• copy, frame, modify, distribute or create derivative works from the Website except as these Terms allow.

Providing false information in connection with a mortgage loan application may be a crime under federal and state law, including 18 U.S.C. § 1014.

16. Intellectual Property

The Website and its content, including text, graphics, photographs, images, logos, the QMS and Quality Mortgage Solutions names and marks, page layouts and software, are owned by or licensed to Quality Mortgage Solutions LLC and are protected by copyright, trademark and other laws. You may view and print pages for your personal, non-commercial use in connection with obtaining our services. Any other use requires our prior written permission. Certain images on the Website are illustrative and were created for us; they do not depict actual properties, clients or transactions.

17. Fair Lending and Equal Housing Opportunity

Quality Mortgage Solutions is an Equal Housing Opportunity company. We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act and do not discriminate on the basis of race, color, religion, national origin, sex (including sexual orientation and gender identity), handicap or disability, familial status, marital status, age (provided the applicant has the capacity to contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

18. Accessibility

We want the Website to be usable by everyone. If you have difficulty using any part of the Website, call us at 305-425-1990 or email info@qmslending.com and we will assist you and provide the information you need in another format.

19. Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, TITLE AND NON-INFRINGEMENT, TO THE FULLEST EXTENT PERMITTED BY LAW. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE OR FREE OF HARMFUL COMPONENTS, OR THAT RATES, PROGRAMS OR OTHER INFORMATION ON THE WEBSITE ARE CURRENT OR COMPLETE.

20. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, QUALITY MORTGAGE SOLUTIONS LLC AND ITS MEMBERS, OFFICERS, EMPLOYEES AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA OR OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE WEBSITE OR ANY CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION DOES NOT APPLY TO LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW, AND IT DOES NOT LIMIT ANY RIGHTS YOU HAVE UNDER YOUR LOAN DOCUMENTS OR UNDER FEDERAL OR STATE CONSUMER PROTECTION LAWS.

21. Indemnification

You agree to indemnify and hold harmless Quality Mortgage Solutions LLC and its members, officers, employees and agents from any claims, losses, damages, liabilities and expenses, including reasonable attorneys' fees, arising out of your violation of these Terms or your misuse of the Website, to the extent permitted by law.

22. Legal Compliance

We comply with all applicable laws and regulations governing communications, including the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act and other relevant laws, as well as the federal and state laws that govern mortgage lending, including the Truth in Lending Act, the Real Estate Settlement Procedures Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Gramm-Leach-Bliley Act, the SAFE Act and Chapter 494, Florida Statutes. By consenting to receive communications from us, you acknowledge and agree that your consent is not a condition of purchase.

23. Governing Law and Venue

These Terms are governed by the laws of the State of Florida and applicable federal law, without regard to conflict-of-law rules. Subject to any rights you have under applicable consumer protection law, you agree that any dispute arising out of these Terms or your use of the Website will be brought exclusively in the state or federal courts located in Miami-Dade County, Florida, and you consent to the jurisdiction of those courts. These Terms govern use of the Website only; your loan is governed by your loan documents.

24. Questions and Complaints

If you have a question or concern, please contact us first at 305-425-1990 or info@qmslending.com so we can try to resolve it. You may also contact the regulator in your state; contact information for each state regulator is listed on our Licensing page. You can also submit a complaint to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.

25. General

If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce any provision is not a waiver of our right to do so later. These Terms, together with our Privacy Policy and any additional terms you agree to on the Website, are the entire agreement between you and us regarding the Website. You may not assign these Terms; we may assign them in connection with a merger, acquisition or sale of assets. If these Terms are provided in a language other than English, the English version controls in the event of any conflict.

26. Changes to These Terms and Our Policies

We may update these Terms and our policies from time to time to reflect changes in our practices or legal requirements. Any changes will be posted on the Website, and the updated Terms will take effect upon posting. The "Last updated" date at the top of this page shows when the Terms were last revised. Your continued use of the Website after changes are posted constitutes your acceptance of the updated Terms.

27. Contact Information

Quality Mortgage Solutions LLC d/b/a QMS Lending
3105 NW 107th Ave, Suite 400-O6
Doral, FL 33172, United States
Phone: 305-425-1990
Email: info@qmslending.com
NMLS #1781090