The deal between you and us.

1. What we do

Voice to Mortgage is an application-intake service operated by Freakyfast, Inc., a Delaware corporation (“we,” “us,” “our”). The Service lets you complete a residential mortgage loan application by voice on your phone or computer. When your application is complete, we deliver it to one or more licensed mortgage lenders of your choosing.

We are not a mortgage lender, mortgage broker, real estate broker, or financial advisor. We do not approve loans, set interest rates, or guarantee that any lender will fund a loan for you. All lending decisions are made by licensed third-party lenders pursuant to their own underwriting standards.

2. Eligibility

To use the Service you must (a) be at least 18 years old, (b) be a U.S. resident or otherwise legally authorized to obtain U.S.-residential financing, and (c) provide accurate and complete information.

3. Your account

You may need to create an account to use the Service. You agree to keep your sign-in credentials confidential and to notify us promptly of any unauthorized access. You are responsible for activity on your account.

4. Electronic disclosures and signatures (ESIGN Act consent)

By using the Service you affirmatively consent to receive all disclosures, notices, agreements, fee schedules, and communications related to your application and our Service electronically, including via the Service and via the email address on your account. This consent satisfies any legal requirement that such records be in writing.

Hardware/software you need: a current web browser with JavaScript and cookies enabled, an active email address you control, and the ability to read and store PDF documents.

Right to receive paper: you may at any time withdraw this consent and request paper copies of disclosures by writing to [email protected]. If you do, we may not be able to continue offering you the Service.

5. Accuracy and mortgage fraud

You agree that all information you provide is accurate, complete, and your own. Providing false information on a mortgage loan application is a federal crime under 18 U.S.C. § 1014 and may result in fines, imprisonment, denial of credit, or other legal consequences. We may report suspected fraud to law enforcement and to participating lenders.

6. Voice recording and AI processing

The Service uses speech recognition and AI conversational models to fill out your application. By using the Service you consent to the recording of your voice while you interact with the Service, and to its transmission to our sub-processors for the sole purpose of preparing your application. Your voice recordings and transcripts will not be used to train any AI model. See our Privacy Policy for details.

7. Credit authorization (FCRA)

You authorize Voice to Mortgage and any lender you direct us to deliver your application to, to obtain consumer credit reports and related information about you for the purpose of evaluating your mortgage application. No hard credit pull will occur without a separate, affirmative authorization from you at the time the pull is initiated.

8. Equal credit opportunity

The Federal Equal Credit Opportunity Act (ECOA) prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552.

9. Fees

The Service is free to you. We are paid by participating lenders only after they fund a loan delivered through the Service. Lender fees, points, closing costs, and any other charges are set by the lender and disclosed by them under federal Truth-in-Lending Act and RESPA timelines, not by us.

10. Communications

By providing your phone number, you consent to receive calls and text messages from us and from the lender(s) we deliver your application to, including via automated telephone-dialing systems and pre-recorded messages, for the purpose of completing your application and discussing your loan options. Message and data rates may apply. You may opt out of marketing messages at any time; transactional messages related to your application may continue.

11. Intellectual property

The Service, including all software, design, text, graphics, logos, and the underlying technology, is owned by Freakyfast, Inc. and its licensors and is protected by intellectual property laws. You receive a limited, non-exclusive, non-transferable, revocable license to access and use the Service solely as described in these Terms. You retain ownership of any information you provide and grant us a non-exclusive license to use it only to deliver the Service to you.

12. Disclaimers

The service is provided “as is” and “as available.” To the maximum extent permitted by law, we disclaim all warranties, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that any loan will be approved or that any lender will accept your application. Estimates and qualifications shown in the Service are illustrative and are not a commitment to lend.

13. Limitation of liability

To the maximum extent permitted by law, in no event will we, our affiliates, or our service providers be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or in connection with your use of the service. Our total cumulative liability for all claims arising out of or relating to the service will not exceed one hundred U.S. dollars ($100).

14. Arbitration and class-action waiver

READ CAREFULLY.Any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, except that either party may bring an individual action in small-claims court. Arbitration will be held in the county where you live or, at your option, by phone or videoconference. The arbitrator's award is final and enforceable in any court of competent jurisdiction.

You and we both waive any right to a jury trial and to participate in any class, collective, or representative action.

30-day right to opt out: you may opt out of this Arbitration Agreement by sending written notice to [email protected] within 30 days of first agreeing to these Terms. Your notice must include your name, email, and a statement that you are opting out of arbitration. Opting out has no effect on your ability to use the Service.

15. Governing law

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles, except as otherwise required by mandatory consumer-protection laws of your state of residence. Exclusive jurisdiction for any action not subject to arbitration lies in the state and federal courts located in Wilmington, Delaware.

16. Changes to these Terms

We may update these Terms from time to time. When we do, we will post the new version on this page and update the “Last updated” date. Material changes will be announced via the Service or by email at least 30 days before they take effect. Your continued use of the Service after a change becomes effective constitutes acceptance.

17. Termination

You may stop using the Service at any time and request deletion of your account via the in-app Settings → Privacy controls or by emailing [email protected]. We may suspend or terminate your access for any violation of these Terms or for suspected fraud, with notice where practicable.

18. Contact

Questions: [email protected].
Legal: [email protected].
Postal: Freakyfast, Inc., 1209 Orange Street, Wilmington, DE 19801.