Terms & Conditions

RAC City Mortgages LLC

Effective Date:6-21-2026

Please read these Terms and Conditions ("Terms") carefully before using the RAC City Mortgages LLC website or any services offered by RAC City Mortgages LLC ("Company," "we," "our," or "us"). By accessing our website, submitting information, requesting services, or using our website in any manner, you agree to be bound by these Terms.

1. Acceptance of Terms

By using this website, you acknowledge that you have read, understood, and agree to comply with these Terms and all applicable laws and regulations.

If you do not agree with these Terms, please do not use our website or services.

2. Services Provided

RAC City Mortgages LLC may provide information and services related to:

Mortgage lending assistance
Mortgage loan origination services
Credit improvement and credit education services
Financial education resources
Homeownership consulting
Real estate financing guidance

The information provided on this website is for informational purposes only and does not constitute legal, tax, financial, or credit advice.

3. No Guarantee of Results

Mortgage approval, interest rates, loan terms, and credit improvement outcomes depend on numerous factors outside of our control.

We do not guarantee:

Mortgage approval
Specific loan terms
Credit score increases
Credit repair results
Interest rates
Financial outcomes

Past performance is not indicative of future results.

4. Credit Repair Disclaimer

If credit repair or credit improvement services are offered:

Results vary by individual circumstances.
No company can legally remove accurate, timely, and verifiable information from a credit report.
We do not guarantee specific score increases or timeline improvements.
Consumers retain the right to dispute credit information independently without purchasing services.

5. User Responsibilities

You agree to:

Provide accurate information
Maintain the confidentiality of any account credentials
Use the website only for lawful purposes
Refrain from submitting false, misleading, or fraudulent information

Providing false information may result in termination of services.

6. Electronic Communications Consent

By submitting information through our website, forms, email, or other electronic methods, you consent to receive communications from RAC City Mortgages LLC, including:

Email communications
Telephone calls
Text messages
Appointment reminders
Service updates
Marketing communications (where permitted by law)

You may opt out of marketing communications at any time.

7. SMS/Text Messaging Terms

If you provide your mobile phone number, you expressly consent to receive text messages regarding:

Appointment confirmations
Loan application updates
Credit repair updates
Service notifications
Marketing and promotional offers

Message and data rates may apply.

You may opt out at any time by replying: STOP

For assistance, reply: HELP

Consent to receive text messages is not a condition of purchase.

8. Intellectual Property

All content on this website, including:

Logos
Graphics
Text
Images
Videos
Branding
Marketing materials

is the property of RAC City Mortgages LLC unless otherwise stated and is protected by applicable intellectual property laws.

Unauthorized use is prohibited.

9. Website Use Restrictions

You agree not to:

Use the website for unlawful purposes
Attempt to gain unauthorized access to systems
Introduce malicious software
Interfere with website functionality
Copy or reproduce website content without permission

10. Third-Party Services and Links

Our website may contain links to third-party websites, lenders, vendors, or service providers.

We are not responsible for:

Third-party content
Privacy practices
Products or services offered by third parties

Use of third-party websites is at your own risk.

11. Limitation of Liability

To the fullest extent permitted by law, RAC City Mortgages LLC shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:

Use of the website
Reliance on website information
Service interruptions
Data breaches beyond our reasonable control
Third-party actions

Your sole remedy is to discontinue use of the website and services.

12. Indemnification

You agree to indemnify and hold harmless RAC City Mortgages LLC, its owners, employees, contractors, affiliates, and partners from any claims, liabilities, damages, losses, or expenses arising from:

Your use of the website
Violation of these Terms
Violation of applicable laws

13. Privacy

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

14. Equal Housing Opportunity

RAC City Mortgages LLC supports the principles of the Fair Housing Act and Equal Credit Opportunity Act.

We do not discriminate based on:

Race
Color
Religion
National origin
Sex
Disability
Familial status
Age
Marital status
Any other protected classification under applicable law

15. Compliance With Laws

We comply with applicable federal and state laws governing mortgage lending, consumer protection, and credit-related services.

16. Changes to These Terms

We reserve the right to modify these Terms at any time.

Updated versions will be posted on this page with a revised effective date.

Continued use of the website constitutes acceptance of the revised Terms.

17. Governing Law

These Terms shall be governed by and construed under the laws of the State of [Insert State], without regard to conflict-of-law principles.

RAC City Mortgages LLC

Email: Latoyac@ourlender.info

Website: www.ourlender.info

If you have questions regarding these Terms and Conditions, please contact us using the information above.