Terms of Use
Last Updated: October 26, 2026
Welcome to the website of First Fidelity Mortgage, Inc. (“First Fidelity Mortgage,” “FFM,” “Company,” “we,” “us,” or “our”).
These Terms of Use (“Terms”) govern your access to and use of our website, online forms, mortgage-related tools, applications, content, and other online services that link to these Terms (collectively, the “Website”).
By accessing or using the Website, you agree to these Terms. If you do not agree, please do not use the Website.
1. Eligibility and Permitted Use
You may use the Website only for lawful purposes.
By submitting information through the Website, you represent that the information you provide is accurate to the best of your knowledge and that you are authorized to provide it.
You may not use the Website to:
- Violate applicable law;
- Impersonate another person;
- Submit false, fraudulent, or misleading information;
- Attempt to gain unauthorized access to the Website, systems, or information;
- Introduce viruses, malware, or other harmful technology;
- Interfere with the operation or security of the Website; or
- Use Website content in a manner that infringes the rights of First Fidelity Mortgage or others.
2. Mortgage Information; No Commitment to Lend
Information presented on the Website is for general informational purposes and does not constitute a commitment to lend, extension of credit, loan approval, rate lock, or guarantee of financing.
Submitting an inquiry, prequalification request, application, or other information does not guarantee approval or create a commitment to lend.
Mortgage approval and loan terms are subject to applicable underwriting requirements, verification of information, credit approval, property eligibility, program requirements, and other applicable conditions.
First Fidelity Mortgage, Inc. operates as a mortgage broker and arranges residential mortgage financing through participating third-party lenders. Loan approval, terms, conditions, and funding are determined by the applicable lender and are subject to underwriting requirements and applicable laws.
Other restrictions may apply.
3. Rates, Payments, Calculators, and Loan Information
Mortgage rates, fees, loan programs, terms, payments, examples, and other information displayed on the Website are subject to change without notice.
Calculators and examples are provided for informational and illustrative purposes only. Actual payments, rates, costs, loan terms, taxes, insurance, mortgage insurance, and other amounts may differ.
Nothing displayed on the Website constitutes a rate lock, Loan Estimate, Closing Disclosure, approval, or other legally binding loan term unless expressly provided to you in an appropriate written document by an authorized representative.
4. Online Applications and Electronic Information
The Website may allow you to submit mortgage inquiries, prequalification information, applications, documents, or other information electronically, including through third-party mortgage application platforms.
Submitting information electronically does not guarantee approval or obligate First Fidelity Mortgage, Inc. to provide any particular product or service.
Additional disclosures, authorizations, consents, or agreements may be presented during the mortgage application and transaction process. If a transaction-specific agreement or legally required disclosure conflicts with these general Website Terms, the transaction-specific document will control with respect to that matter.
5. Communications
We may communicate with you through telephone, email, voicemail, postal mail, and other methods as permitted by applicable law and your communication preferences.
SMS/text messaging is subject to the additional terms and consent requirements described in Section 6 and our Communications Policy.
6. SMS/Text Messaging Terms
We may send informational SMS/text messages regarding mortgage inquiries, applications, loan processing, document requests, appointment reminders, closing activities, and customer support.
Consent to receive loan-related SMS/text messages may be required to submit a mortgage application through certain online application channels. This consent does not authorize marketing or promotional text messages.
Marketing SMS communications are subject to separate consent requirements under applicable law. Marketing SMS consent is optional and is not required to apply for or obtain mortgage financing.
Message frequency varies. Message and data rates may apply. You may opt out of SMS communications by replying STOP or request assistance by replying HELP. Wireless carriers are not responsible for delayed or undelivered messages.
For complete information regarding communication methods, consent, and opt-out procedures, please review our Communications Policy. Our collection, use, and disclosure of personal information are described in our Privacy Policy.
7. Privacy
Our collection and use of personal information are described in our Privacy Policy.
Please review the Privacy Policy before submitting personal information through the Website.
8. Intellectual Property
Unless otherwise indicated, the Website and its content, including text, graphics, logos, photographs, designs, software, and other materials, are owned by or licensed to First Fidelity Mortgage, Inc. and are protected by applicable intellectual-property laws.
You may view and use Website content for your personal, noncommercial use in connection with evaluating or obtaining our Services.
You may not reproduce, distribute, modify, publicly display, republish, sell, license, or commercially exploit Website content without our prior written permission except as permitted by law.
9. Third-Party Websites and Services
The Website may contain links to or integrate with third-party websites, mortgage application platforms, document management systems, electronic signature services, and other technology providers.
These services may be subject to additional terms, privacy policies, and security practices established by their respective providers.
Although First Fidelity Mortgage, Inc. works with third-party service providers to facilitate mortgage-related services, we do not control all aspects of their systems or operations. To the extent permitted by applicable law, we are not responsible for interruptions, technical errors, or other issues arising solely from independently operated third-party services.
Nothing in this section limits any responsibility or obligation imposed on First Fidelity Mortgage, Inc. by applicable law.
10. Website Availability and Accuracy
We strive to provide accurate and useful information, but we do not guarantee that all Website information will always be complete, accurate, current, or error-free.
We may change, suspend, remove, or discontinue any portion of the Website at any time.
We do not guarantee that the Website will operate without interruption or that it will be free from errors, viruses, or other harmful components.
11. Disclaimer of Warranties
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE AND ITS CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.
FIRST FIDELITY MORTGAGE DISCLAIMS WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE WEBSITE, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, TO THE EXTENT SUCH DISCLAIMERS ARE PERMITTED BY LAW.
Nothing in these Terms limits any warranty, duty, or obligation that cannot legally be excluded.
12. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, FIRST FIDELITY MORTGAGE AND ITS OFFICERS, EMPLOYEES, AGENTS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO YOUR USE OF, OR INABILITY TO USE, THE WEBSITE.
Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by law.
13. Equal Housing Opportunity
First Fidelity Mortgage, Inc. is an Equal Housing Opportunity mortgage broker committed to fair and equal access to residential mortgage financing in accordance with applicable federal and state laws.
For additional information regarding our licensing, Equal Housing Opportunity commitment, and fair-lending practices, please review our Licensing & Disclosures page.
14. Licensing and Regulatory Information
First Fidelity Mortgage, Inc. is a licensed mortgage broker operating in accordance with applicable federal and state mortgage lending laws and regulations. Our licensing information, including our NMLS identification number, state licenses, and applicable regulatory disclosures, is available on our Licensing & Disclosures page.
Consumers may also verify our licensing information through NMLS Consumer Access.
15. Governing Law
These Terms are governed by the laws of the Commonwealth of Kentucky, without regard to conflict-of-law principles, except to the extent federal law or another jurisdiction’s law applies and cannot lawfully be waived or displaced.
16. Changes to These Terms
We may modify these Terms periodically.
Changes become effective when posted to the Website unless otherwise stated or required by applicable law. The “Last Updated” date at the top of these Terms identifies the most recent revision.
Your continued use of the Website after updated Terms become effective constitutes acceptance of the updated Terms to the extent permitted by law.
17. Severability
If any provision of these Terms is determined to be unlawful, invalid, or unenforceable, that provision will be enforced to the maximum extent permitted by law, and the remaining provisions will remain in effect.
18. Entire Agreement
These Terms, together with our Privacy Policy and any other policies or notices expressly incorporated by reference, constitute the agreement governing your general use of the Website.
Separate agreements, disclosures, authorizations, and loan documents may govern specific mortgage transactions and services.
19. Contact Information
Questions regarding these Terms may be directed to:
First Fidelity Mortgage, Inc.
13117 Eastpoint Park Blvd., Suite A
Louisville, KY 40223
Phone: (502) 657-4299
Email: loaninquiry@ffmlending.com
Company NMLS: 940549