Effective Date: May 2026  |  Last Updated: May 2026

Quick Reference

To OPT OUT: Reply STOP to any message
For HELP: Reply HELP or contact us at (925) 917-1135
Message and data rates may apply

By providing your mobile phone number and opting in, you expressly consent to receive SMS and MMS messages from Preferred Mortgage Advisors, Inc. (“we,” “us,” “our”). You may receive the following types of messages:

  • Appointment reminders and confirmation messages
  • Follow-up communications regarding your mortgage inquiry or application
  • Informational messages about mortgage products and services
  • Responses to questions or requests you have submitted to us

Your consent to receive text messages is entirely voluntary. Consent is not a condition of purchasing any product or service from us.

2. Message Frequency

  • Message frequency will vary based on your interactions with us and the status of your mortgage inquiry or application
  • You may receive messages on a regular or irregular basis
  • We will not send messages before 8:00 AM or after 9:00 PM in your local time zone
  • Message and data rates may apply — contact your mobile carrier for details

4. How to Opt Out

You have the right to opt out of receiving messages from us at any time using any of the following methods:

  • Reply STOP to any text message from us
  • Reply QUIT, CANCEL, UNSUBSCRIBE, or END — all are accepted
  • Call us at (925) 917-1135 and request to be removed
  • Submit an opt-out request through our website contact form

After opting out, you will receive a single confirmation message indicating that you have been unsubscribed. No further promotional messages will be sent. We will process your opt-out request within 10 business days.

Note: Even after opting out of marketing messages, you may still receive transactional messages directly related to an active loan application or legal/regulatory requirement, unless prohibited by law.

4. How to Get Help

If you need assistance with your messaging preferences or have questions about our SMS program:

  • Reply HELP to any message from us
  • Call us at (925) 917-1135 during business hours (Monday-Friday 8 AM – 5:00 PM)
  • Submit a request via our website contact form
  • Visit our website at preferredmortgageadvisors.com

5. Message Content

We strive to provide relevant and valuable content in all messages. Message content may include:

  • Appointment reminders and scheduling confirmations
  • Updates on your mortgage application or inquiry status
  • Information about mortgage products and services relevant to your situation
  • Responses to questions you have submitted
  • General mortgage news, alerts, and educational information

We will not send unsolicited promotional messages to individuals who have not opted in to our SMS program.

6. Privacy and Data Protection

We respect your privacy and are committed to protecting your personal information. Key points regarding SMS data:

  • We do not sell, rent, or share your SMS opt-in data or phone number with third parties for their own marketing purposes
  • Your mobile phone number and messaging consent are stored securely and used only for the purposes described in these Terms
  • SMS opt-in consent is not transferable — it applies only to communications from Preferred Mortgage Advisors, Inc.
  • For full details on how we collect, use, and protect your data, please review our Privacy Policy at preferredmortgageadvisors.com/privacy-policy

7. Message Delivery

We make reasonable efforts to ensure the timely and accurate delivery of messages. However:

  • We are not responsible for any delays, interruptions, or errors in the delivery of messages caused by your mobile carrier or network conditions
  • Delivery is subject to the capabilities of your mobile device and carrier
  • Not all mobile devices or carriers support MMS messaging

8. TCPA Compliance

These Terms and Conditions are designed to comply with the Telephone Consumer Protection Act (TCPA) and applicable Federal Communications Commission (FCC) regulations, as well as California state law requirements.

  • We obtain prior express written consent before sending marketing text messages
  • We honor opt-out requests made through any reasonable method, including replies, phone calls, email, or website requests
  • We maintain records of consent and opt-out requests as required by law
  • We do not send messages to numbers on the National Do Not Call Registry without appropriate consent

9. Contact Information

If you have any questions, concerns, or wish to update your messaging preferences, please contact us:

  • Company: Preferred Mortgage Advisors, Inc.
  • Address: 1990 N California Blvd, Fl 8, Walnut Creek, CA 94596
  • Phone: (925) 917-1135
  • Submit via our website contact form
  • Hours: Monday-Friday 8 AM – 5:00 PM
  • Website: preferredmortgageadvisors.com

10. Changes to These Terms

We reserve the right to modify these Terms and Conditions at any time. When we make material changes, we will:

  • Update the “Last Updated” date at the top of this document
  • Post the updated Terms on our website
  • Notify active SMS subscribers of significant changes via text message when required

Your continued participation in our SMS program after changes are posted constitutes your acceptance of the updated Terms.

11. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the United States and the State of California, without regard to conflicts of law principles. Any disputes arising under these Terms shall be resolved in the courts of Contra Costa County, California.

By providing your mobile phone number and opting in to our SMS program, you acknowledge that you have read, understood, and agree to these Terms and Conditions. You confirm that:

  • You are the account holder or have the account holder’s permission to opt in
  • You are 18 years of age or older
  • You understand that message and data rates may apply
  • You understand that consent is not a condition of any purchase or service
  • You understand you may opt out at any time by replying STOP

This document has been updated to reflect current TCPA requirements and FCC regulations as of 2026.