Terms & Conditions

Last Updated: May 20, 2026

1. Acceptance of These Terms

These Terms and Conditions (the "Terms") are a binding agreement between you and Hero Mortgage Group, LLC ("Hero Mortgage Group," "we," "us," or "our") that governs your access to and use of the website at heromortgagegroup.com, including all sub-pages, calculators, playbooks, downloadable resources, forms, and any other digital tools or services we offer (collectively, the "Site").

By accessing or using the Site, by submitting a form, by exchanging communications with us, or by otherwise interacting with our services, you confirm that you have read, understand, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Site.

2. About Us

Hero Mortgage Group, LLC is a licensed mortgage brokerage headquartered in Boca Raton, Florida and founded in 2017 by Jason Stern, an active-duty firefighter. We are a residential mortgage broker — we act as an intermediary between borrowers and the wholesale lenders who ultimately fund and service mortgage loans. We are not the lender of record, and the credit decision on any loan you apply for is made by the wholesale lender or its underwriters in accordance with that lender's guidelines and applicable law.

3. Eligibility

You may use the Site only if you are (a) at least eighteen (18) years of age or the age of legal majority in your jurisdiction, whichever is greater; (b) a resident of the United States; (c) not prohibited from receiving services under applicable U.S. law; and (d) capable of forming a binding contract. By using the Site you represent that all of the foregoing is true.

4. Use of the Site

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site solely for your personal, non-commercial purpose of researching, evaluating and applying for residential mortgage financing through Hero Mortgage Group. Any other use requires our prior written consent.

You agree not to:

• copy, reproduce, republish, frame, scrape, mirror, distribute, modify or create derivative works of the Site or any of its content;
• sell, rent, sublicense, lease or otherwise commercially exploit the Site;
• use the Site to violate any law, infringe any third-party right, or transmit harmful or unlawful content;
• interfere with or disrupt the Site or any servers or networks connected to it, including by introducing viruses, worms, trojans or other malicious code;
• attempt to gain unauthorized access to any part of the Site, to other accounts, or to underlying systems;
• use automated means (bots, scrapers, harvesters, etc.) to access the Site, except for compliant search-engine crawlers; or
• misrepresent your identity, employment, income, profession-eligibility (e.g., for a first-responder program) or any other material fact in any form you submit.

5. Not An Offer or Commitment of Credit

Content on the Site — including calculators, rate examples, payment estimates, playbooks, articles, "Three Promises" features, decision matrices, and any quote, illustration or pre-qualification dialogue — is provided for general informational and educational purposes. It is not a loan commitment, a loan approval, a guarantee of any rate or program, or an offer to extend credit. All loans are subject to credit approval, income verification, asset verification, appraisal, underwriting, program eligibility and other conditions imposed by the wholesale lender that funds your loan. Rates, fees, programs and product availability are subject to change without notice.

Estimates generated by calculators on the Site are illustrative only and may not reflect the actual rate, fees, taxes, insurance, mortgage insurance, HOA dues or other costs that will apply to your transaction. Do not rely on Site calculators or content alone to make a financial decision.

6. Information You Provide

You agree that all information you submit to us — through any contact form, application, document upload, calculator capture, email, text message or telephone call — is true, accurate, current and complete. You agree to promptly update us if any material information changes during the course of your application. Providing false or misleading information in connection with a residential mortgage application is a federal crime and a material breach of these Terms.

7. Communications, Phone Calls and SMS Consent

By submitting your phone number through the Site or to a Hero Mortgage Group representative, you expressly consent that we (and our authorized service providers acting on our behalf) may contact you at that number — including by voice call, prerecorded message and SMS/MMS text message using an automatic telephone dialing system or other technology — for purposes related to your inquiry, your loan application, transaction servicing, account alerts and customer-service communications. Consent to be contacted in this manner is not a condition of any purchase or of receiving credit. Standard message and data rates may apply.

Separate, affirmative opt-in is required to receive SMS marketing or informational communications beyond what is necessary to service your application. Where you provide that opt-in (such as by checking the SMS consent box on a form):

• Frequency: message frequency varies based on the topic and your engagement.
• Cost: message & data rates may apply, depending on your carrier and plan.
• Help: reply HELP to any SMS from us for assistance, or contact us at (561) 486-HERO.
• Stop: reply STOP at any time to opt out of further SMS marketing. You will receive a one-time confirmation that you have been unsubscribed.
• Mobile information: we do not share or sell mobile phone numbers collected for SMS messaging with third parties or affiliates for their marketing purposes.
• Carriers: participating carriers are not liable for delayed or undelivered messages.

For our full description of how we collect and use phone and SMS information, see our Privacy Policy.

8. Loan Applications and Third-Party Platforms

When you submit a formal residential loan application, you will be directed to a secure third-party loan-origination platform (Arive, accessed through my1003app.com). Use of that platform is subject to its own terms and privacy policy in addition to these Terms. We also use third-party platforms for scheduling (Calendly), customer relationship management (Viato), document delivery, identity verification, credit reporting, and other services described in our Privacy Policy. We are not responsible for the operation, content or practices of third-party services we link to, except as expressly stated in writing.

9. Intellectual Property

The Site and all of its content — including text, copy, photographs, illustrations, graphics, the "Hero Mortgage Group" wordmark, the "Pride · Integrity · Service" tagline, design elements, calculators, playbooks, articles, downloadable guides, source code and the overall look-and-feel — are the property of Hero Mortgage Group, LLC or its licensors and are protected by United States and international copyright, trademark, trade-dress and other intellectual-property laws.

You may view, download and print individual pages of the Site for your personal, non-commercial use, provided you do not remove any copyright, trademark or other proprietary notices. Any other use, including reproduction, redistribution, modification, commercial exploitation, or use of our trademarks or the look-and-feel of the Site without our prior written permission, is prohibited.

10. Hyperlinking to Our Content

The following types of organizations may link to the Site without prior written approval, provided the link is not misleading and does not falsely imply sponsorship, endorsement or affiliation: (a) federal, state and local government agencies; (b) news organizations; (c) internet search engines and online directories; and (d) system-wide accredited businesses linking in the ordinary course of their listings.

Any other organization wishing to link to the Site must request prior written approval by emailing jason@heromortgagegroup.com. No use of the "Hero Mortgage Group" name, the wordmark, or any associated logo or artwork is permitted in connection with a link without a separate written trademark license.

11. No Framing

You may not frame any portion of the Site, mirror any portion of it on another server, or use any technique designed to alter its visual presentation or appearance.

12. Disclaimers

The Site and all content, calculators, tools, resources and communications are provided "as is" and "as available," without any warranty of any kind, express or implied. To the maximum extent permitted by law, Hero Mortgage Group disclaims all warranties, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, currentness and uninterrupted operation.

We do not warrant that the Site will be uninterrupted, error-free or free of viruses or other harmful components. We do not warrant the accuracy, completeness or usefulness of any estimate, payment calculation, rate quotation, program description, eligibility prediction, article or playbook content. Mortgage rates, fees, products and program guidelines change frequently and without notice.

13. Limitation of Liability

To the maximum extent permitted by applicable law, in no event will Hero Mortgage Group, LLC, its members, officers, employees, contractors, service providers or agents be liable for any indirect, incidental, special, consequential, exemplary or punitive damages — including without limitation damages for lost profits, lost data, lost business, loss of goodwill, or substitute services — arising out of or related to your use of, or inability to use, the Site, even if we have been advised of the possibility of such damages.

In all cases, our aggregate liability to you for any claim arising out of or related to the Site is limited to the greater of (a) the amount you have paid Hero Mortgage Group in fees in the twelve (12) months preceding the event giving rise to the claim, or (b) one hundred U.S. dollars ($100). Some jurisdictions do not allow the exclusion or limitation of certain damages, so portions of this section may not apply to you.

14. Indemnification

You agree to defend, indemnify and hold harmless Hero Mortgage Group, LLC and its members, officers, employees, contractors and service providers from and against any claim, demand, loss, damage, cost or expense (including reasonable attorneys' fees) arising out of or related to (a) your breach of these Terms, (b) your violation of any law or regulation, (c) your violation of the rights of any third party, or (d) any false or misleading information you submit through the Site.

15. Governing Law and Disputes

These Terms, your use of the Site, and any dispute arising out of or related to either are governed by the laws of the State of Florida, without regard to its conflict-of-laws principles. Except for actions seeking injunctive or equitable relief to protect intellectual property, you and Hero Mortgage Group agree that any dispute will be brought exclusively in the state or federal courts located in Palm Beach County, Florida, and you consent to the personal jurisdiction and venue of those courts. Nothing in this section limits any non-waivable rights you have under your state's consumer-protection or licensing laws.

16. Changes to These Terms

We may update these Terms from time to time. The "Last Updated" date at the top of this page reflects when the Terms were last revised. Your continued use of the Site after we post changes constitutes acceptance of the updated Terms. Where required by law, we will provide additional notice (such as a notice on the Site or by email).

17. Severability and No Waiver

If any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permitted, and the remaining provisions will continue in full force. Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision.

18. Entire Agreement

These Terms, together with our Privacy Policy, the terms of any third-party platforms used to apply for a loan (such as Arive), and any written agreement you sign with us in connection with a loan transaction, constitute the entire agreement between you and Hero Mortgage Group regarding the Site and supersede any prior or contemporaneous understandings.

19. Contact Us

Questions about these Terms should be sent to:

These Terms are provided for informational purposes and to set the legal framework for use of the Site. They are not legal advice. Hero Mortgage Group reserves the right to interpret and apply these Terms and to update them as practices and laws evolve.