Privacy Policy
Meadowbrook Financial Mortgage Bankers Corp. d/b/a Fluent Mortgage (“Fluent Mortgage,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, protect, and disclose information through our website, online forms, chat features, and communications, including SMS and MMS text messaging.
Information We Collect
We collect information you voluntarily provide when you request information, submit a form, schedule an appointment, communicate with us, or use our services. This may include your name, mailing address, email address, telephone number, and information about your mortgage inquiry.
When you apply for mortgage services through designated application channels, we may collect financial, employment, identification, property, and other information needed to evaluate and process your application. Please do not send Social Security numbers, account numbers, passwords, or other sensitive financial information through ordinary text messages or unsecured website chat. Use the secure application or document submission methods we provide.
Our website may also collect technical information, including your IP address, browser type, device information, pages visited, and interactions with our website, through cookies and similar technologies.
How We Use Information
We use information to respond to inquiries; schedule and confirm appointments; provide requested mortgage information; evaluate, process, close, and service mortgage transactions where applicable; maintain records; improve our website and services; protect against fraud; and comply with legal and regulatory obligations.
Where you have provided the required consent, we may also send information about mortgage products, services, and promotional opportunities. You may withdraw your consent to marketing communications at any time.
SMS Information Collection and Use
When you voluntarily opt in to our text messaging program, we collect your mobile telephone number and your consent preferences. We may maintain records of when and how you provided consent, the disclosure presented to you, your opt-in and opt-out activity, and message history to administer the program and document your preferences.
We use HighLevel (GoHighLevel) and messaging service providers to support our customer relationship management and communications. These providers process information on our behalf to operate these services, subject to applicable privacy and security obligations.
Depending on the consent you provide, Fluent Mortgage may send SMS or MMS messages about appointment confirmations and reminders, responses to your inquiries, mortgage application status, document requests, and other service-related updates. If you separately opt in to marketing texts, we may also send messages about mortgage products, services, and promotional opportunities.
Providing a telephone number or submitting an inquiry does not, by itself, enroll you in marketing text messages. Marketing and non-marketing SMS consent are collected separately where applicable. Consent to marketing text messages is not a condition of purchasing goods or services or obtaining mortgage financing.
Message frequency may vary. Message and data rates may apply. Reply STOP to unsubscribe or HELP for assistance. You may also call 800.959.8892 for assistance.
Mobile Information and SMS Consent — No Sharing
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
This restriction applies notwithstanding any other sharing described in this Privacy Policy. Service providers supporting our messaging program may process information only as needed to provide those services on our behalf, and may not use it for their own marketing or promotional purposes.
Other Information Disclosures
We do not sell your personal information or share it with third-party marketers for their independent marketing purposes.
We may disclose information necessary to evaluate, process, close, or service your mortgage to authorized service providers and other parties involved in your transaction, as permitted by law. We may also disclose information when required by law, legal process, or regulatory requests, or as legally permitted to prevent fraud and protect our customers and business. These disclosures remain subject to the SMS consent restrictions stated above.
Where applicable, we provide a separate financial privacy notice explaining how we handle nonpublic personal information in connection with financial products and services. That notice governs the information within its scope, subject to applicable law.
Cookies and Similar Technologies
We may use cookies and similar technologies to support website functionality, understand website usage, personalize your experience, and measure marketing effectiveness. You can manage cookies through your browser settings. Disabling cookies may affect certain website features. Cookie use does not constitute consent to receive text messages.
Information Security and Retention
We maintain reasonable physical, electronic, and procedural safeguards designed to protect personal information. No internet transmission or storage system is completely secure, and we cannot guarantee absolute security.
We retain information for as long as reasonably necessary to provide services, maintain consent and communication records, satisfy legal and regulatory requirements, resolve disputes, and protect our business. We may retain records of opt-out requests to help ensure that your messaging preferences are honored.
Your Choices and Requests
You may request correction of information you provided, ask questions about our privacy practices, or submit an access or deletion request by contacting us below. We will respond as required by applicable law and may need to verify your identity. Certain records must be retained for legal, regulatory, or business purposes.
To stop text messages, reply STOP to a message from us. We may send one final message confirming your opt-out. To stop marketing emails, use the unsubscribe link in the email or contact us. Opting out of marketing does not prevent communications otherwise required or permitted by law through other appropriate channels.
Children’s Privacy
Our website is not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided information to us, please contact us. Our SMS program is intended for individuals age 18 or older.
Third-Party Websites
Our website may link to third-party websites. Their privacy practices are governed by their own policies. Please review those policies before providing personal information.
Changes to This Policy
We may update this Privacy Policy and will post the revised policy with an updated effective date. Where required by law, we will provide additional notice or obtain consent. A policy update does not create new SMS marketing consent or expand existing consent without the required authorization.
Contact Us
Meadowbrook Financial Mortgage Bankers Corp. d/b/a Fluent Mortgage
1600 Stewart Ave, Suite 701, Westbury, NY 11590
Phone: 800.959.8892
Email: info@mfmbankers.com
NMLS #177308. Licensing information is available at NMLS Consumer Access.
Terms of Service
1. Business Identity and Scope
These Terms of Service govern your use of the website and website communication services provided by Meadowbrook Financial Mortgage Bankers Corp. d/b/a Fluent Mortgage (“Fluent Mortgage,” “we,” “us,” or “our”), including our SMS and MMS messaging program.
By using our website, you agree to these Terms to the extent permitted by applicable law. SMS enrollment requires a separate affirmative opt-in; website use alone does not provide SMS consent. If you do not agree to these Terms, discontinue use of the website.
These Terms do not replace your mortgage application documents, loan agreements, required disclosures, or separate financial privacy notices. Those documents govern the transactions and information within their scope.
2. Website Information and Mortgage Services
Website content is provided for general informational purposes. It does not constitute a commitment to lend, a loan approval, a rate lock, or individualized legal, tax, or financial advice.
Mortgage products, rates, fees, eligibility requirements, and program availability may change. Certain restrictions apply. Programs are available to qualified borrowers, and all borrowers are subject to credit and underwriting approval. Availability may depend on property location and applicable licensing requirements.
An inquiry, online calculator result, appointment, or text message does not guarantee qualification, approval, or particular loan terms. Final terms are established through the applicable loan documents and disclosures.
3. Eligibility and Accurate Information
You must be at least 18 years old to enroll in our SMS program. By enrolling, you confirm that you are the subscriber or authorized user of the mobile number provided and are authorized to consent to messages at that number.
Provide accurate contact information and notify us if your telephone number changes or is reassigned. Do not submit information you are not authorized to provide or impersonate another person.
4. Acceptable Website Use
You agree not to use our website for unlawful or fraudulent purposes; attempt unauthorized access to systems or data; introduce malicious software; interfere with website operations; or reproduce website content for commercial distribution without permission, except as allowed by law.
We may restrict website access when reasonably necessary to protect our systems, customers, or legal interests, subject to applicable law.
5. Intellectual Property
Website text, graphics, branding, logos, and other materials are owned by Fluent Mortgage or used with permission. You may view and use website materials for your personal, noncommercial purposes. Other uses require permission unless permitted by applicable law.
6. SMS and MMS Messaging Terms
Program Description
The Fluent Mortgage messaging program provides text communications relating to our mortgage services. Depending on your consent selections, messages may include responses to inquiries, appointment confirmations and reminders, mortgage application updates, document requests, and service notifications. If you separately consent to marketing messages, you may receive information about mortgage products, services, and promotional opportunities.
Consent
By affirmatively opting in, you authorize Fluent Mortgage to send messages within the categories you selected to the mobile number you provided, including messages sent using automated technology where applicable. Marketing and non-marketing consent choices are separate. Consent to marketing text messages is not a condition of purchasing goods or services or obtaining mortgage financing.
Providing a phone number, using our website, or submitting a form without selecting an SMS consent option does not enroll you in marketing texts. We will use your selections to determine the text communications you receive.
Message Frequency and Charges
Message frequency may vary based on your requests, appointments, application activity, and selected subscriptions. Message and data rates may apply to messages sent to you and messages you send to us. Contact your wireless provider with questions about your text or data plan.
How to Opt Out
You can cancel the SMS service at any time by replying STOP to any text message from Fluent Mortgage. We may send one final text confirming that you have been unsubscribed. After confirmation, you will no longer receive text messages from the program unless you opt in again.
If you wish to rejoin, complete the applicable opt-in process again. Contact us at 800.959.8892 if you need help withdrawing consent or updating your preferences.
How to Get Help
Reply HELP to any message for assistance, call 800.959.8892, or email [Monitored privacy/support email address].
Delivery and Carrier Disclaimer
Carriers are not liable for delayed or undelivered messages. Delivery may depend on your carrier, device, network coverage, and other technical factors. Do not rely on text messages as your sole method for communicating time-sensitive mortgage instructions or deadlines; contact your loan officer directly when confirmation is needed.
Privacy and No Sharing
Our collection and use of personal information are described in our [Privacy Policy]([Insert live Privacy Policy URL]). No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. SMS opt-in records and consent will not be shared with third parties for their own use. Providers supporting the messaging program may process information on our behalf solely to deliver and support the service.
Please do not send sensitive financial information, identification documents, passwords, or account numbers by ordinary SMS or MMS. Use the secure methods we provide.
7. Electronic Communications
We may communicate with you through channels you request or authorize, subject to applicable consent requirements. Agreement to these website Terms or SMS enrollment does not by itself constitute consent to electronic delivery of legally required mortgage disclosures. Any required electronic delivery consent will be obtained separately.
8. Third-Party Links and Services
We may provide links to third-party websites or services for convenience. We do not control their content, availability, or practices. Your use of those websites or services is subject to their applicable terms and privacy policies.
9. Website Availability and Disclaimers
To the extent permitted by applicable law, our website and general informational content are provided “as is” and “as available,” without warranties of uninterrupted availability, error-free operation, or suitability for a particular purpose. We seek to keep information accurate but do not guarantee that all website content is complete or current.
Nothing in these Terms excludes warranties, duties, or consumer protections that cannot lawfully be excluded, or alters obligations under your loan documents.
10. Limitation of Liability
To the extent permitted by applicable law, Fluent Mortgage is not liable for indirect, incidental, special, or consequential damages arising from use of, or inability to use, the website or its general informational content.
This limitation does not apply where prohibited by law and does not exclude liability for fraud, willful misconduct, gross negligence, or any liability that cannot legally be limited. These Terms do not waive your rights under applicable mortgage, privacy, or consumer protection laws.
11. Changes to These Terms
We may revise these Terms by posting an updated version and effective date. Where required, we will provide additional notice or obtain consent. Changes do not retroactively expand your SMS consent. Review the current Terms before using the website or enrolling in our messaging program.
12. Governing Law and Consumer Rights
These Terms are governed by applicable federal law and the laws of the State of New York, without displacing mandatory protections under other applicable laws. Nothing in these Terms limits rights or remedies that cannot legally be waived.
13. Severability
If a provision is found unenforceable, the remaining provisions will remain effective to the extent permitted by law.
14. Contact Information
Meadowbrook Financial Mortgage Bankers Corp. d/b/a Fluent Mortgage
1600 Stewart Ave, Suite 701, Westbury, NY 11590
Phone: 800.959.8892
NMLS #177308. Visit NMLS Consumer Access for licensing information.
Certain restrictions apply. For qualified borrowers. All borrowers are subject to credit and underwriting approval.
© 2026 Meadowbrook Financial Mortgage Bankers Corp. All rights reserved.
Website Form SMS Consent Copy — Implementation Notes
Keep these notes separate from the published policy pages. Add two separate optional checkboxes, unchecked by default. Do not make SMS consent a condition of submitting a form. Link the published Privacy Policy and Terms of Service beneath each relevant form or chat opt-in. Use only the message categories actually included in your registered campaign; revise the examples below accordingly.
Service messages checkbox
I consent to receive non-marketing text messages from Meadowbrook Financial Mortgage Bankers Corp. d/b/a Fluent Mortgage at the phone number provided about my mortgage inquiry, appointment confirmations and reminders, application status, and document requests. Message frequency may vary. Message and data rates may apply. Text HELP for assistance; reply STOP to opt out.
Marketing messages checkbox
I consent to receive marketing text messages from Meadowbrook Financial Mortgage Bankers Corp. d/b/a Fluent Mortgage at the phone number provided about mortgage products, services, and promotional opportunities, including messages sent using automated technology. Consent is not a condition of purchase or mortgage financing. Message frequency may vary. Message and data rates may apply. Text HELP for assistance; reply STOP to opt out.
