Terms of Use
Effective Date: September 2, 2026
Welcome to the website of Sun Mortgage Company, Inc. (“Sun Mortgage,” “we,” “us,” or “our”). By accessing or using sunmortgage.com (the “Website”), you agree to be bound by these Terms of Use. If you do not agree with these Terms of Use, please do not use the Website.
1. About Sun Mortgage Company, Inc.
Sun Mortgage Company, Inc. is a mortgage broker only and is not a mortgage lender or correspondent lender. Sun Mortgage Company, Inc. arranges mortgage loans through third-party lenders and other mortgage providers.
Sun Mortgage Company, Inc. is registered by the New York State Department of Financial Services, licensed by the New Jersey Department of Banking and Insurance, and licensed by the Connecticut Department of Banking.
Mortgage loan products, rates, terms, fees, and availability are subject to applicable lender requirements, underwriting guidelines, property eligibility, borrower qualifications, and applicable law. Sun Mortgage does not guarantee that any particular loan, interest rate, approval, or financing terms will be available.
2. Website Information
The information provided on this Website is for general informational and educational purposes only. Although we make reasonable efforts to keep information accurate and current, we do not warrant that all information is complete, accurate, current, or error-free.
Information on this Website does not constitute a commitment to lend, an offer to extend credit, or a guarantee of loan approval or specific loan terms.
Your use of the Website does not create a mortgage broker-client relationship. Such a relationship is established separately through the appropriate application and engagement process.
3. Mortgage Information and Applications
If you submit an inquiry, request information, or begin a mortgage application through the Website, you authorize Sun Mortgage to contact you regarding your inquiry and, where applicable, your mortgage financing needs.
Any mortgage application, prequalification, preapproval, loan estimate, or other information provided by Sun Mortgage is subject to verification and applicable lender underwriting requirements.
Sun Mortgage may work with and submit loan applications to third-party lenders and mortgage providers. Sun Mortgage does not control the underwriting, approval, closing, servicing, or other policies of third-party lenders.
4. User Responsibilities
You agree to provide accurate and truthful information when submitting information through the Website.
You agree not to use the Website for any unlawful purpose or in any manner that could damage, disable, overburden, or impair the Website or interfere with another person's use of the Website.
5. Intellectual Property
Unless otherwise indicated, the Website and its contents, including text, graphics, logos, images, and other materials, are owned by or licensed to Sun Mortgage Company, Inc. and are protected by applicable intellectual property laws.
You may view and use the Website for personal, non-commercial purposes. You may not reproduce, distribute, modify, publish, or commercially exploit Website content without our prior written permission.
6. Third-Party Websites and Services
The Website may contain links to websites, applications, services, or resources operated by third parties. These links are provided for convenience only.
Sun Mortgage does not control and is not responsible for the content, privacy practices, security, availability, or policies of third-party websites or services.
7. Electronic Communications
When you submit information through the Website or otherwise communicate with Sun Mortgage electronically, you consent to receiving electronic communications relating to your inquiry, mortgage application, transaction, or other services you have requested.
Electronic communications may include email, telephone calls, and text messages, subject to your applicable communication preferences and consents.
8. SMS/Text Messaging Terms
Sun Mortgage SMS Program
If you separately opt in to receive text messages from Sun Mortgage Company, Inc., you agree to the following SMS Terms.
By providing your mobile telephone number and affirmatively consenting to receive text messages, you agree that Sun Mortgage may send you text messages relating to your mortgage inquiry, application, loan transaction, appointments, document requests, status updates, and other mortgage-related communications for which you have provided consent.
If you separately opt in to receive promotional or marketing text messages, those messages may include information about mortgage products, services, rates, educational information, or other promotional communications from Sun Mortgage.
Consent to receive text messages is not a condition of purchasing any service or obtaining a mortgage loan.
Message Frequency
Message frequency varies based on your interaction with Sun Mortgage and the type of messaging program for which you have opted in.
Message and Data Rates
Message and data rates may apply. Your wireless carrier's standard messaging and data rates may apply to messages sent to or received from Sun Mortgage.
Opting Out
You may opt out of receiving SMS messages at any time by replying STOP to any text message from Sun Mortgage.
After you send STOP, you may receive a confirmation message, and you will no longer receive SMS messages from that messaging program unless you separately opt in again.
Getting Help
For assistance with text messaging, reply HELP to any message from Sun Mortgage or contact us using the contact information provided on our Website.
No Sharing of Mobile Information for Marketing
Sun Mortgage Company, Inc. will not sell, rent, or share your mobile telephone number or SMS opt-in information with third parties or affiliates for their own marketing or promotional purposes.
Your mobile information may be shared with service providers as necessary to provide and administer the text messaging service, subject to applicable contractual and legal requirements.
Carrier Disclaimer
Carriers are not liable for delayed or undelivered messages.
9. Privacy
Your use of the Website is also subject to our Privacy Policy, which describes how Sun Mortgage collects, uses, maintains, and protects information submitted through the Website.
Our Privacy Policy is incorporated into these Terms of Use by reference.
10. No Guarantee of Availability
We do not guarantee that the Website or any portion of it will always be available, uninterrupted, secure, or free of errors.
Sun Mortgage reserves the right to modify, suspend, or discontinue any portion of the Website at any time.
11. Disclaimer of Warranties
To the fullest extent permitted by applicable law, the Website and its contents are provided on an “as is” and “as available” basis. Sun Mortgage makes no warranties, express or implied, regarding the Website or the accuracy, completeness, reliability, or availability of its content.
Nothing in these Terms is intended to limit any rights or protections that cannot lawfully be limited or waived.
12. Limitation of Liability
To the fullest extent permitted by applicable law, Sun Mortgage Company, Inc. and its officers, employees, agents, and representatives will not be liable for indirect, incidental, consequential, special, or punitive damages arising from or relating to your use of the Website.
13. Changes to These Terms
Sun Mortgage may update or modify these Terms of Use from time to time. Any changes will become effective when posted to the Website unless otherwise stated.
Your continued use of the Website after changes are posted constitutes your acceptance of the revised Terms.
14. Governing Law
These Terms of Use shall be governed by and construed in accordance with the laws of the State of New York, except to the extent federal law or applicable law requires otherwise.
15. Contact Us
Sun Mortgage Company, Inc.
Mortgage Broker
New York | New Jersey | Connecticut
Website: sunmortgage.com
For questions regarding these Terms of Use or our SMS program, please contact Sun Mortgage Company, Inc. through the contact information provided on the Website.