Communications and TCPA Policy

1 Scope

This policy explains how Home1st Financial may communicate by telephone, text message, and email. It applies to website inquiries, requested consultations, loan-related communications, and optional marketing.

2 Communications About a Request or Transaction

When you ask us to contact you, we may respond using the contact information you provide. Communications may include requested mortgage information, appointment coordination, document reminders, application or transaction updates, and customer-service messages. The legal basis and permitted technology depend on the context, the consent obtained, and applicable law.

3 Optional Telephone and Text Consent

If you separately select the telephone and text consent checkbox, you authorize Home1st Financial, Inc. to call or text the number you provide about your mortgage inquiry and related services. Calls or texts may use an automatic telephone dialing system, other automated technology, or an artificial or prerecorded voice. Consent is not a condition of purchasing or obtaining any product or service. Message frequency varies. Message and data rates may apply.

4 Optional Marketing Email Consent

If you separately select the marketing email checkbox, you authorize Home1st Financial to send mortgage education, company updates, and promotional email. You may unsubscribe at any time using the link in a marketing email. Transactional or requested-service email may continue when permitted by law.

5 Revoking Consent and Opting Out

You may revoke telephone or text consent at any time. For text messages, reply STOP. You may also contact info@home1stfinancial.com or (800) 544-7231. We will honor a valid request within the period required by applicable law and will treat reasonable revocation methods consistently. After an opt-out, we may send one legally permitted confirmation message. Reply HELP for assistance when that option is supported. Opting out of one communication channel does not automatically close a pending mortgage request.

6 Consent Records and Number Reassignment

Home1st Financial retains the disclosure shown, the consumer’s selections, the date and time, form URL, language, telephone number, source and consent version. Consent is associated with the consumer and the number provided and is not treated as permanent permission to contact a reassigned number. We process valid revocation, suppression and do-not-call requests in accordance with applicable law.

7 Calling Practices and Security

Communications will be made only at times and in a manner permitted by applicable federal and state law. We do not ask consumers to transmit Social Security numbers, passwords, complete bank account numbers, or identity documents by ordinary text message or unsecured email. Suspicious messages should be verified by calling the published company number.

8 Contact

Questions, communication preferences, or revocation requests may be directed to Home1st Financial, Inc., info@home1stfinancial.com, (800) 544-7231, or 10000 N. 31st Ave., Ste. D100, Phoenix, AZ 85051.