Welcome to Mortgage Guy360. These Terms & Conditions govern your use of MortgageGuy360.com and your interactions with Mortgage Guy360, including communications by telephone, email, and text message.
By using this website, submitting information through a Mortgage Guy360 form, or requesting information or services from Mortgage Guy360, you agree to these Terms & Conditions.
Mortgage Guy360 provides mortgage-related information and services in connection with American Pacific Mortgage Corporation and its authorized mortgage operations.
Information provided through Mortgage Guy360 is intended to help consumers learn about mortgage programs, home-financing options, down-payment assistance programs, and related services.
Mortgage Guy360 is not a commitment to lend, and submitting information through Mortgage Guy360 does not guarantee approval for any mortgage program.
All mortgage loans are subject to applicable underwriting, eligibility, documentation, credit, property, and approval requirements.
When you voluntarily provide your contact information to Mortgage Guy360, you authorize us to contact you regarding your mortgage inquiry using the contact information you provided.
Depending upon the consent you provide, communications may include:
Consent to receive marketing communications is not a condition of obtaining a loan, purchasing goods or services, or receiving mortgage services.
When you provide your mobile telephone number and consent to receive text messages, you agree to receive SMS communications from Mortgage Guy360 regarding your mortgage inquiry and related services.
Messages may include communications sent using automated technology.
Message frequency varies. Message and data rates may apply.
Your wireless carrier's standard messaging and data charges may apply.
You may stop receiving text messages at any time by replying STOP.
After you send STOP, you may receive a final confirmation message confirming that you have been unsubscribed. After that confirmation, you will no longer receive SMS messages unless you subsequently provide consent again.
For assistance with text messaging, reply HELP.
You may also contact Mortgage Guy360 through MortgageGuy360.com.
Where supported, you may reply START to resume receiving text messages after previously opting out.
Mortgage Guy360 does not sell your mobile telephone information or SMS consent information to third parties for their independent marketing purposes.
Text-message originator opt-in data and consent will not be shared with unaffiliated third parties for their independent marketing or promotional purposes.
Information may be shared with service providers when necessary to operate our messaging systems and provide communications you have requested or authorized.
For additional information regarding how we collect, use, and protect personal information, please review the Mortgage Guy360 Privacy Policy.
SMS delivery is subject to effective transmission by your wireless carrier and other communications service providers.
Mortgage Guy360, American Pacific Mortgage Corporation, participating wireless carriers, and messaging service providers are not responsible for delayed or undelivered messages.
Not all mobile devices or wireless carriers may support all messaging services.
Mortgage programs, interest rates, fees, eligibility requirements, down-payment assistance programs, underwriting requirements, and other terms are subject to change without notice.
Information provided through MortgageGuy360.com, advertisements, email, text messages, telephone conversations, or other Mortgage Guy360 communications is provided for informational purposes and does not constitute an offer to extend credit or a commitment to lend.
All loans are subject to underwriting approval.
Certain mortgage programs may not be available in all states, and restrictions may apply.
Please consult your mortgage loan originator for complete program, eligibility, pricing, and loan information.
Mortgage Guy360 attempts to provide useful and accurate information; however, mortgage programs, guidelines, interest rates, fees, eligibility requirements, and other information may change.
Mortgage Guy360 does not guarantee that all information provided through the website or related communications will always be complete, current, or error-free.
MortgageGuy360.com and Mortgage Guy360 communications may contain links to third-party websites, scheduling services, mortgage resources, or other services.
Mortgage Guy360 is not responsible for the availability, content, security, privacy practices, or operation of third-party websites or services.
Your use of a third-party website or service may be governed by that provider's own terms and privacy policy.
Your use of MortgageGuy360.com and your submission of personal information are also governed by the Mortgage Guy360 Privacy Policy.
The Privacy Policy explains how information may be collected, used, shared, and protected.
Mortgage Guy360 may update these Terms & Conditions periodically.
Changes become effective when the revised Terms & Conditions are posted on MortgageGuy360.com.
Your continued use of the website or services following an update constitutes acceptance of the revised terms.
Questions regarding these Terms & Conditions or Mortgage Guy360 communications may be submitted through MortgageGuy360.com.
For SMS assistance:
Reply HELP for help.
Reply STOP to opt out.
Reply START to resume messages where applicable.
Mortgage-related services are provided in connection with:
American Pacific Mortgage Corporation
NMLS #1850
Mortgage products are subject to applicable licensing requirements and availability.
Licensing information is available through NMLS Consumer Access.
Equal Housing Opportunity.
Mortgage Guy360
Mortgage information and services provided in connection with American Pacific Mortgage Corporation, NMLS #1850.
Equal Housing Opportunity
Reg Gustin NMLS# 249410 Licensed Arizona & Texas
10150 Centennial Pkwy, Suite 120, Sandy UT 84070 NMLS# 2689817
Copyright © 2025 Mortgage Guy 360 - All Rights Reserved.
© 2026 American Pacific Mortgage Corporation. All rights reserved.
This material is provided for informational purposes only and is not guaranteed to be accurate or complete. The programs described may not include all available options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. Refinancing may result in higher total finance charges over the life of the loan. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Certain products may not be available in all states and restrictions may apply. Please consult your loan advisor for complete details. Equal Housing Opportunity.
NMLS Consumer Access: NMLS 1850
*AZ BK 0906702
* Not Available in New York
* Texas mortgage banker disclosure consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the Department prior to the payment of a claim. For more information about the recovery fund, please consult the Department's website at www.sml.texas.gov.
Select Rate Mortgage by American Pacific Mortgage