Terms of Use

Effective Date: 02/24/2026

General Information Only

The information provided on this website is for general informational and educational purposes only. Content on this site is not intended to be, and should not be construed as, financial advice, legal advice, tax advice, or a commitment to lend.

Mortgage programs, rates, terms, and requirements vary and are subject to change without notice. Individual eligibility and loan terms depend on a full review of your financial situation, credit profile, property details, and lender underwriting guidelines.

No Offer or Guarantee

Nothing on this website constitutes a loan approval, loan commitment, rate lock, or guarantee of financing. Any examples, estimates, or scenarios provided are for illustrative purposes only and may not reflect actual loan terms or availability.

Final loan approval, rates, and terms are determined only after completion of required disclosures, verification of information, and underwriting approval through a licensed mortgage lender.

No Client Relationship Created by Website Use

Use of this website, submission of a form, or receipt of information does not create a mortgage loan originator–borrower relationship. A professional relationship is established only after direct communication, required disclosures, and confirmation of engagement through appropriate channels.

State Licensing Disclosure

Joseph Sleek is a licensed Mortgage Loan Originator.
NMLS ID: 2737617

Mortgage services are offered only in states where properly licensed.
At this time, services are provided exclusively to consumers in the state of Florida.

This website is not intended to solicit business from residents of states where licensing requirements have not been met.

SMS Terms & Conditions

Description of SMS Use Cases

If you provide your phone number and consent to receive text messages, SleekFirst Home Loans may send SMS communications related to:

SMS messaging is used to communicate directly regarding your inquiry or ongoing mortgage-related request.

Message Frequency

Message frequency may vary depending on your interaction, inquiry status, and communication preferences.

Message & Data Rates Disclosure

Message and data rates may apply depending on your mobile carrier plan. SleekFirst Home Loans is not responsible for any carrier charges incurred.

Opt-Out Instructions

You may opt out of SMS communications at any time by replying:

STOP to unsubscribe
HELP for assistance

After you send STOP, you will receive a confirmation message and no further SMS messages will be sent unless you opt in again.

Consent Not Required

Consent to receive text messages is not required as a condition of obtaining mortgage services. You may contact us directly by phone or email without opting in to SMS messaging.

Age Restriction (18+)

This website and related SMS services are intended for individuals who are at least 18 years of age. By using this website or opting into SMS communications, you represent that you are at least 18 years old.

Carrier Liability Disclaimer

Carriers are not liable for delayed or undelivered messages.

Accuracy of Information

While reasonable efforts are made to keep information on this website current and accurate, no guarantees are made regarding completeness, accuracy, or timeliness. Mortgage guidelines, rates, and market conditions change frequently and may impact the relevance of information presented.

Third-Party Links and Tools

This website may contain links to third-party websites or tools for convenience or informational purposes. No responsibility is assumed for the content, accuracy, or privacy practices of third-party sites. Use of any third-party resources is at your own discretion.

Limitation of Liability

To the fullest extent permitted by law, Joseph Sleek and affiliated parties shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use of this website or reliance on information provided herein.

Updates to These Terms

These Terms & Conditions may be updated from time to time to reflect changes in services, regulations, or business practices. Continued use of the website constitutes acceptance of any updated terms.

Privacy Policy

Your use of this website and SMS services is also governed by our Privacy Policy:
https://www.sleekfirst.com/privacy-policy

Contact Information

For questions regarding these Terms & Conditions or to discuss mortgage options directly, please contact:

Joseph Sleek
Mortgage Loan Originator
NMLS ID: 2737617
Licensed in Florida
Website: https://www.sleekfirst.com