Terms of Service
Effective date: September 21, 2026 · Last updated: September 21, 2026
1. Agreement to These Terms
These Terms of Service ("Terms") govern your access to and use of the website located at absmtg.com (the "Site"), operated by ABS Home Mortgage, Inc. ("ABS Home Mortgage," "we," "us," or "our"), NMLS ID #209985. By accessing or using the Site, browsing our loan program pages, using a calculator, or submitting information through our online application portal, you agree to be bound by these Terms. If you do not agree, please do not use the Site.
These Terms apply in addition to, and should be read together with, our Privacy Policy, which is incorporated into these Terms by reference.
2. Not a Commitment to Lend
Nothing on this Site — including any rate quote, prequalification result, calculator output, or description of a loan program — is a commitment to lend, an offer of credit, or a guarantee of approval, interest rate, or closing timeline. All loans are subject to credit approval, underwriting review, and the guidelines of the applicable loan program in effect at the time of application. Rates, terms, and programs described on the Site are subject to change without notice and may not reflect the rate or program you ultimately qualify for.
Any closing timeline referenced on the Site (including any average purchase-closing time we cite) reflects a historical average across our closed loans, not a guarantee for any individual transaction. Actual timelines vary by file, borrower documentation, appraisal, title, and third-party factors outside our control.
3. Eligibility and Use of the Site
The Site is intended for individuals age 18 or older seeking information about, or applying for, residential mortgage loan products in Illinois, Georgia, Florida, and Texas — the states where ABS Home Mortgage, Inc. is currently licensed. You agree to use the Site only for lawful purposes and in a manner consistent with these Terms.
You agree not to:
- Attempt to gain unauthorized access to any part of the Site or its systems;
- Use bots, scrapers, or other automated means to access or collect content from the Site, other than standard search-engine indexing;
- Interfere with or disrupt the operation or security of the Site;
- Impersonate any person or misrepresent your affiliation with any person or entity;
- Submit false, misleading, or fraudulent information in connection with any inquiry or loan application; or
- Copy, reproduce, or use Site content for a competing commercial purpose without our prior written permission.
4. Applications and the Accuracy of Your Information
If you apply for a loan through our secure online application portal or provide information to us directly, you represent that all information you submit is true, accurate, and complete to the best of your knowledge. Submitting an inquiry or application authorizes us and our lending and settlement-service partners to verify the information you provide, including by obtaining a consumer credit report and verifying your income, assets, and employment.
Providing information to us, completing a prequalification, or submitting an application does not guarantee that you will qualify for any loan program, rate, or loan amount.
5. Communications Consent
By providing your phone number or email address to us, you consent to receive calls, text messages (including autodialed or prerecorded messages), and emails from ABS Home Mortgage and its service providers about your inquiry or application, at the number or address you provide. Consent is not a condition of obtaining a loan, and message and data rates may apply. You may opt out of text messages at any time by replying STOP, or of marketing emails using the unsubscribe link included in the message. See our Privacy Policy for more on how we collect, use, and share your contact information.
6. Intellectual Property
All content on the Site — including text, graphics, logos, the ABS Home Mortgage name and marks, page layouts, and underlying software — is owned by or licensed to ABS Home Mortgage, Inc. and is protected by copyright, trademark, and other intellectual property laws. You may view and print pages of the Site for your own personal, non-commercial use. You may not reproduce, distribute, modify, publicly display, or create derivative works from any part of the Site without our prior written permission.
7. Third-Party Links, Services, and Reviews
The Site links to third-party websites and services we do not control, including our secure online loan application portal, the NMLS Consumer Access website, and social media platforms. We are not responsible for the content, availability, privacy practices, or terms of any third-party site, and a link from our Site does not imply our endorsement of the linked site or its operator.
Client reviews and testimonials referenced on the Site (for example, testimonials sourced from Zillow) reflect the individual experiences of the clients quoted. Your own experience, loan terms, and results will vary based on your individual circumstances, and no testimonial is a guarantee of the service, rate, or outcome you will receive.
8. No Professional Advice
Content on the Site — including blog posts, guides, local market data, and calculator tools — is provided for general informational purposes only and does not constitute financial, legal, tax, or other professional advice. Calculator results are estimates based on the inputs and assumptions you provide; they are not a loan offer and may differ from your actual payment, rate, or closing costs. You should consult your own financial, legal, or tax advisor before making decisions based on Site content.
9. Disclaimer of Warranties
THE SITE AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY RATE, PROGRAM DESCRIPTION, OR OTHER CONTENT DISPLAYED ON THE SITE IS CURRENT OR FREE OF ERROR AT ALL TIMES.
10. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ABS HOME MORTGAGE, INC. AND ITS OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SITE. NOTHING IN THESE TERMS IS INTENDED TO LIMIT ANY LIABILITY, RIGHT, OR REMEDY THAT CANNOT LAWFULLY BE LIMITED UNDER THE MORTGAGE LICENSING OR CONSUMER PROTECTION LAWS OF ILLINOIS, GEORGIA, FLORIDA, TEXAS, OR ANY OTHER STATE WHERE YOU RESIDE OR WHERE THE FINANCED PROPERTY IS LOCATED.
11. Governing Law
These Terms are governed by the laws of the State of Illinois, without regard to its conflict-of-laws principles, except where the law of another state must apply to a mortgage transaction involving a borrower or property in that state. Nothing in this section overrides any licensing, disclosure, or consumer-protection requirement of the state where you reside or where the financed property is located.
12. Changes to These Terms
We may update these Terms from time to time. Changes take effect once posted to this page with a revised "Last updated" date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms. If you do not agree to a change, your only recourse is to stop using the Site.
13. Contact Us
If you have questions about these Terms, contact us:
ABS Home Mortgage, Inc.
1730 Park St, Suite 119, Naperville, IL 60563
Phone: 630-357-1600 (local) · 1-866-666-2378 (toll free)
Email: info@absmtg.com
ABS Home Mortgage, Inc. is an Equal Housing Lender. NMLS ID #209985. This is not a commitment to lend. Rates, terms, and programs subject to change without notice. All loans subject to credit approval.