Last Updated: 5/14/2026

1. Acceptance of Terms

By accessing or using this website (“Website”), you agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, discontinue use immediately.

2. Definitions

• “First Option,” “we,” “us,” or “our” refers to First Option Mortgage, LLC
• “Website” refers to https://myfirstoption.com/ and any associated pages or microsites
• “You” or “your” refers to any user of the Website

3. Permitted Use

You agree to use the Website only for lawful purposes and in compliance with all applicable laws and regulations. You will not:

• Attempt unauthorized access to any system or data
• Disrupt or impair Website functionality or security
• Use the Website in a way that may damage or interfere with operations

4. Mortgage and Regulatory Disclosures

First Option Mortgage, LLC is a licensed mortgage lender.

• NMLS ID: [Insert NMLS ID]
• Equal Housing Lender: We conduct business in accordance with federal fair lending laws and do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, or familial status.
• State Licensing: Licensing varies by state. For details, visit NMLS Consumer Access.

Important Disclosures:

• Information on this Website is provided for informational purposes only and does not constitute financial, legal, or tax advice. We are not acting as your financial advisor.
• This Website is not an offer to extend credit or a commitment to lend.
• All loan approvals, interest rates, and terms are subject to credit approval, underwriting guidelines, and market conditions.
• Rates, terms, and conditions are subject to change without notice.
• Not all products and programs are available in all states.

5. User Responsibility

You are responsible for your use of the Website and any activity conducted through your device or network.

You agree to indemnify and hold harmless First Option from any claims, losses, damages, liabilities, or expenses arising from your violation of these Terms or misuse of the Website.

6. Website Availability

We may modify, suspend, or discontinue any part of the Website at any time without notice. We are not liable for any resulting interruptions or loss of access.

7. Updates to Terms

We may update these Terms periodically. Continued use of the Website after updates constitutes acceptance of those changes.

8. Third-Party Links

This Website may include links to third-party sites. We do not control or endorse those sites and are not responsible for their content or privacy practices.

9. Monitoring and Enforcement

We reserve the right (but not obligation) to monitor activity and enforce these Terms, including restricting or terminating access where appropriate.

10. Intellectual Property

All Website content is owned by or licensed to First Option and protected by intellectual property laws.

• Permitted: Personal, non-commercial use
• Prohibited: Copying, distributing, modifying, or commercial use without written permission

11. Disclaimer of Warranties

The Website is provided “as is” and “as available.” We disclaim all warranties, including accuracy, completeness, and fitness for a particular purpose.

12. Limitation of Liability

To the fullest extent permitted by law, First Option is not liable for indirect, incidental, or consequential damages, including loss of profits, data, or business opportunities.

13. Security

While reasonable safeguards are in place, we cannot guarantee the security of data transmitted through the Website. Use is at your own risk.

14. Governing Law

These Terms are governed by the laws of the State of Georgia.

15. Severability

If any provision is found unenforceable, the remaining provisions remain in effect.

16. Entire Agreement

These Terms and our Privacy Policy constitute the full agreement between you and First Option regarding Website use.