LowRate Home Loans, Inc.
SMS, Email & Communications
Consent Policy
Effective Date: July 18, 2026
Last Updated: July 18, 2026
Applies to: www.lowratehomeloans.com
Purpose
This policy explains how LowRate Home Loans, Inc. communicates with consumers by email, telephone, and text message and supports compliance with the TCPA, CAN-SPAM Act, CTIA Messaging Principles, and applicable Texas and federal laws.
1. Scope
Applies to website visitors, prospective borrowers, customers, and referral partners who provide contact information through our website, forms, or other channels.
2. Communication Methods
We may communicate by email, SMS/MMS, telephone, voicemail, postal mail, and other electronic methods regarding mortgage inquiries, educational resources, appointment scheduling, loan updates, and marketing where consent has been provided.
3. Consent
By voluntarily submitting your contact information and affirmatively opting in where required, you authorize us to communicate with you. Consent is not a condition of obtaining credit or mortgage services.
4. SMS Messaging
Marketing text messages are sent only to individuals who provide the required consent. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for assistance.
5. Email
Commercial emails will include a working unsubscribe mechanism. Transactional or servicing emails may continue where legally permitted.
6. Operational Messages
We may send non-marketing communications necessary to respond to inquiries, provide requested services, or satisfy legal obligations even after marketing preferences change.
7. Service Providers
Trusted providers such as CRM, SMS, email, analytics, and marketing platforms may assist us in delivering communications while protecting personal information.
8. Consent Records
We may retain records of consent, including date, time, source form, and IP address where appropriate.
9. Opt-Out
You may unsubscribe from emails, reply STOP to SMS, call (214) 221-4008, or email les@lowratehomeloans.com to change communication preferences.
10. Contact
LowRate Home Loans, Inc.
3502 Harbor Pointe Drive
Rowlett, TX 75088
Phone: (214) 221-4008
Email: les@lowratehomeloans.com
Company NMLS ID: 2678663