Terms & Conditions

Effective date: October 15, 2026

These Terms & Conditions govern your use of https://www.simortgagesolutionsllc.com and the text messaging program operated by S&I Mortgage Solutions LLC. By using this website or opting in to receive text messages, you agree to these terms.

Who we are

S&I Mortgage Solutions LLC is a mortgage services business located at 11 NE 204th St, Apt 19D, Miami, FL 33179. We help clients with home purchase loans, refinancing, FHA, VA and conventional loans, and mortgage pre-approvals. Ernesto Sang, Mortgage Loan Officer, NMLS #1174501.

When you opt in to our text messaging program, S&I Mortgage Solutions LLC may send you non-marketing messages, such as loan application updates, appointment reminders, and transaction-related communications. If you separately consent to marketing messages, we may also send you information about loan programs, rate updates, and promotions. Consent to receive text messages is not a condition of using our services.

Opt-out and support

You can cancel the SMS service at any time. Just text "STOP" to +1 (305) 748-0390. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again. If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at esang@simortgagesolutions.com or +1 (305) 748-0390.

Carrier liability

Carriers are not liable for delayed or undelivered messages.

Message frequency and rates

As always, message and data rates may apply for any messages sent to you from us and to us from you. You will receive messages at a frequency that may vary depending on your interactions and preferences. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

Privacy

If you have any questions regarding privacy, please read our privacy policy: https://www.simortgagesolutionsllc.com/privacy-policy

Use of this website

You may use this website for lawful purposes only. The content on this website, including any payment estimates, is provided for general information. It is not a loan offer, a commitment to lend, or financial advice. All loans are subject to credit approval, underwriting guidelines, and property eligibility. Rates, terms, and programs may change without notice.

Limitation of liability

To the fullest extent permitted by law, S&I Mortgage Solutions LLC is not liable for any indirect, incidental, or consequential damages arising from your use of this website or the text messaging program. The website is provided "as is" without warranties of any kind.

Indemnification

You agree to indemnify and hold harmless S&I Mortgage Solutions LLC and its members, employees, and agents from any claims, losses, or expenses arising from your misuse of this website or your violation of these Terms & Conditions.

Governing law

These Terms & Conditions are governed by the laws of the State of Florida, without regard to its conflict of law principles. Any disputes will be resolved in the courts located in Miami-Dade County, Florida.

Changes to these terms

We may update these Terms & Conditions from time to time. Changes take effect when posted on this page, and the effective date above will be updated.

Contact us

S&I Mortgage Solutions LLC
11 NE 204th St, Apt 19D
Miami, FL 33179
Phone: +1 (305) 748-0390
Email: esang@simortgagesolutions.com
Website: https://www.simortgagesolutionsllc.com