Terms of Service

2. Acceptance of These Terms

By accessing or using the Site, submitting a form, or communicating with us through the Site, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Site. You must be at least 18 years old and legally able to enter into a binding contract to use the Site or request our services.

3. What We Do and Do Not Do

Sprint Mortgage is a mortgage broker, not a lender. We do not make loans, approve loans, or set interest rates. We work with third-party lenders to help you compare loan programs and submit an application. Any loan you obtain is made by the lender, and its terms are set by the lender. Nothing on the Site is a commitment to lend, a loan approval, a rate lock, or an offer of credit. Pre-approvals, pre-qualifications, rate quotes, closing-time estimates, and similar statements are estimates based on the information available at the time and are subject to change. Final terms depend on the lender's underwriting, your credit, income, assets, property, and market conditions. Statements on the Site such as average closing times, average approval times, and loan success rates describe our past experience and are not a guarantee of any outcome for your loan.

4. Licensing

UBM Capital Corp DBA Sprint Mortgage is licensed as a mortgage broker in Florida, New Jersey, New York, and Pennsylvania. Full licensing and regulator details are available on our Government & Licensing Disclosures page and through NMLS Consumer Access at nmlsconsumeraccess.org. We can only assist with properties located in states where we are licensed.

5. Not Financial, Legal, or Tax Advice

Content on the Site, including FAQs, articles, and calculators, is provided for general information only. It is not financial, legal, tax, or investment advice and may not apply to your situation. Consult a qualified professional before making decisions about a mortgage.

6. Equal Housing

Sprint Mortgage complies with the Equal Credit Opportunity Act and the Fair Housing Act. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, familial status, receipt of public assistance income, or because you have in good faith exercised any right under the Consumer Credit Protection Act.

7. Information You Provide

When you submit a form, contact us, or apply through our online portal, you agree that the information you provide is true, accurate, and complete to the best of your knowledge; that you will update us promptly if any of it changes; that you are authorized to provide any information you submit about another person, such as a co-borrower; and that we may verify the information with third parties, including credit bureaus, employers, and financial institutions, as permitted by law and with any consent required. Providing false or misleading information on a mortgage application may be a crime under federal and state law.

8. Communications and Consent

By providing your phone number or email address, you agree that Sprint Mortgage may contact you about your inquiry or application by phone, email, and text message, including through automated systems. Consent to receive text messages is not a condition of obtaining our services. Message frequency varies, and you may receive approximately 3 messages per month. Message and data rates may apply. Reply STOP to opt out at any time and HELP for help. We do not share your text-message opt-in data with third parties for marketing purposes. Our full SMS terms are in our Privacy Policy. You agree that we may deliver disclosures, notices, and other communications electronically, and that electronic signatures and records have the same effect as paper ones, as permitted by the federal E-SIGN Act and applicable state law. You may request paper copies or withdraw consent to electronic delivery by contacting us, which may delay or prevent us from assisting with your loan. Email and text are not fully secure. Do not send Social Security numbers, account numbers, or other sensitive financial information through the Site's contact form or by unencrypted email. We will direct you to a secure portal for those documents.

9. Online Application Portal

Our "Start the process" links may direct you to a secure application portal operated by a third-party service provider. Your use of that portal is also subject to the provider's own terms and privacy policy. You are responsible for keeping any login credentials confidential and for all activity under your account. Notify us immediately at info@ubmcapitalcorp.com if you believe your account has been accessed without permission.

10. Acceptable Use

You agree not to use the Site for any unlawful purpose or in violation of these Terms; submit information on behalf of another person without their authorization; attempt to gain unauthorized access to the Site, our systems, or other users' information; introduce viruses, malware, or other harmful code; scrape, crawl, copy, or harvest content or data from the Site by automated means; interfere with the operation or security of the Site; or impersonate Sprint Mortgage, our employees, or any other person. We may suspend or terminate your access to the Site at any time if we believe you have violated these Terms.

11. Intellectual Property

The Site and its content, including text, graphics, logos, the Sprint Mortgage name, taglines, images, and software, are owned by UBM Capital Corp or its licensors and are protected by copyright, trademark, and other laws. You may view, download, and print pages for your personal, non-commercial use in connection with evaluating our services. Any other use, including reproduction, modification, distribution, or public display, requires our prior written permission.

12. Testimonials

Client testimonials on the Site reflect the individual experiences of those clients. They are not a guarantee of any result, and your experience may differ. Some testimonials have been lightly edited for length, spelling, or clarity without changing their meaning.

13. Third-Party Links and Services

The Site may link to third-party websites, including lender sites, our application portal, NMLS Consumer Access, and social media platforms. We do not control and are not responsible for the content, privacy practices, or availability of those sites. Links are provided for convenience and do not imply endorsement.

14. Disclaimer of Warranties

The Site is provided "as is" and "as available." To the fullest extent permitted by law, Sprint Mortgage disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, secure, or free of viruses, or that any information on the Site is accurate, complete, or current.

15. Limitation of Liability

To the fullest extent permitted by law, Sprint Mortgage, UBM Capital Corp, and their officers, employees, agents, and affiliates will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for any loss of profits, data, or goodwill, 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. Our total liability to you for any claim arising out of or relating to the Site or these Terms will not exceed one hundred dollars ($100). This limitation does not apply to liability that cannot be limited under applicable law, and it does not limit any rights you have under federal or state mortgage lending laws in connection with a loan transaction.

16. Indemnification

You agree to indemnify and hold harmless Sprint Mortgage, UBM Capital Corp, and their officers, employees, agents, and affiliates from any claims, losses, damages, liabilities, and expenses, including reasonable attorneys' fees, arising out of your violation of these Terms, your misuse of the Site, or any false or misleading information you provide.

17. Governing Law and Venue

These Terms are governed by the laws of the State of New York, without regard to its conflict-of-laws rules, and by applicable federal law. Any dispute arising out of or relating to these Terms or the Site will be brought exclusively in the state or federal courts located in Richmond County, New York, and you consent to the personal jurisdiction of those courts. This section does not limit any rights you may have under the laws of the state where you reside in connection with a loan transaction.

18. Changes to the Site and These Terms

We may change, suspend, or discontinue any part of the Site at any time. We may also update these Terms from time to time. When we do, we will post the revised Terms on this page and update the "Last updated" date. Your continued use of the Site after changes are posted means you accept the revised Terms.

19. General

If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect. Our failure to enforce any provision is not a waiver of it. These Terms, together with our Privacy Policy, are the entire agreement between you and Sprint Mortgage regarding the Site. You may not assign these Terms without our written consent. We may assign them in connection with a merger, acquisition, or sale of assets.

20. Contact Us

Questions about these Terms can be sent to UBM Capital Corp DBA Sprint Mortgage, 1001 Clove Road, Staten Island, NY 10301. Phone: +1 929-473-9191. Email: info@ubmcapitalcorp.com. NMLS #2358559.

21. Privacy

Your use of the Site is also subject to our Privacy Policy, which explains how we collect, use, and protect your personal information, including our SMS terms and opt-out instructions. Please review it before using the Site.

These Terms of Service were last updated on September 15, 2026.