Terms of Use

By creating an account, submitting an inquiry, or starting an online application, you agree to these Terms of Use. If you do not agree, please do not use the portal. These terms work alongside our Privacy Policy and Legal Disclaimer. Where a signed agreement or a federal or state mortgage disclosure applies to your transaction, that document controls over these terms.

Your information: what we do and do not do with it

We do not sell your personal information for monetary consideration. We do not share your mobile telephone number or your text-message opt-in with third parties or affiliates for their independent marketing or promotional purposes. We do not rent or trade your contact details to lead buyers, marketers, or data brokers.

We use what you provide to respond to you and to work on the mortgage request you asked us to work on. Doing that necessarily involves passing certain information to the parties required to complete a mortgage transaction — for example lenders and investors considering your loan, credit reporting agencies, and title, appraisal, insurance and settlement providers, along with the technology vendors that operate our systems on our behalf under contract. We share what is needed for that purpose and nothing more.

Beyond that, we disclose information only when you ask us to or give consent, and when disclosure is required or permitted by law. Our Privacy Policy is the controlling and more detailed description of these practices, including your rights under applicable state privacy laws.

No offer, no commitment to lend

Nothing in this portal is an offer or a commitment to lend, to extend credit, or to lock a rate. Rates, programs, terms, and availability change without notice and vary by location, property, and individual circumstances. Figures produced by a calculator or pre-qualification tool are estimates for planning only. A loan is offered only after a complete application, verification, and a formal underwriting decision.

Your account and the accuracy of what you submit

You must be at least 18 years old and located in the United States. You agree that the information you provide is true, accurate, and complete, that you are submitting your own information or have authority to submit it, and that you will tell us if it changes materially. Providing materially false information in a mortgage application may carry civil and criminal consequences.

Keep your login credentials confidential and tell us promptly if you suspect unauthorized access. Upload documents through this portal rather than ordinary email, which is not a secure channel for sensitive information.

Electronic communications and consent

By providing your contact information you consent to receive communications from us electronically, including email, telephone, and text message where you have opted in, about the request you submitted. Message and data rates may apply. You may opt out at any time by replying STOP to a text, using the unsubscribe link in an email, or contacting us; opting out of marketing does not stop the transactional messages required for a loan in progress.

Where you agree to transact electronically, you consent to receive disclosures and to sign documents electronically as permitted by the federal E-SIGN Act and applicable state law. You may request paper copies and may withdraw that consent as described in the electronic-consent disclosure provided in your transaction.

Acceptable use

You agree not to submit false or fraudulent information; to attempt to access accounts, systems, or data that are not yours; to scrape or bulk-download content; to interfere with the operation or security of the portal; or to use it in violation of any applicable law. We may suspend or terminate access at any time where we reasonably believe it is being misused.

Availability and limitation of liability

The portal is provided on an “as is” and “as available” basis without warranties of any kind, express or implied. To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of data or profits, arising out of your use of the portal. Some jurisdictions do not allow certain exclusions, so some of the above may not apply to you.

Licensing and equal opportunity

Bloom Lending, LLC (d/b/a Bloom Mortgage, LLC), NMLS #1854072, is a licensed mortgage originator. State licensing details are listed at bloomlending.com/state-licensing and can be verified at NMLS Consumer Access. We do business in accordance with the Equal Credit Opportunity Act and the Fair Housing Act. Products and services are not available in all states.

Changes and contact

We may update these terms by posting a revised version here; the date above reflects the most recent change, and continued use means you accept it. These terms are governed by the laws of the State of Arizona, except where a federal law or a mandatory consumer-protection law of your state of residence applies.

Questions: [email protected].