Terms of Service

Legal Document
Effective Date:

Welcome to approvedwithcolby.com, operated by Colby Kaspar, Loan Officer/Mortgage Broker. By accessing or using this website, you agree to be bound by these Terms of Service.

1. Services Provided

We provide mortgage-related services, including loan consultation, lead generation, and assistance with residential mortgage financing. We operate as a Loan Officer/Mortgage Broker. All loan approvals, rates, and terms are subject to underwriting guidelines and are not guaranteed.

2. Licensed Jurisdictions

We provide services in states where we are properly licensed. These include:

Arizona
California (DFPI)
Colorado
Florida
Louisiana
New Mexico
North Carolina
Oregon
Texas (SML)
Virginia

3. Use of Website

You agree to use this website for lawful purposes only. You shall not use this site in any way that may impair its functionality or interfere with other users.

4. SMS Communication & Consent

By providing your phone number and submitting a form on this website, you expressly consent to receive text messages from Colby Kaspar (Approved With Colby) regarding your inquiry, including:

  • Lead follow-up
  • Appointment reminders
  • Marketing and promotional messages

Message frequency varies (typically 1–2 messages per week). Message and data rates may apply. You may opt out at any time by replying STOP to any message. For assistance, reply HELP.

Consent is not a condition of purchase.

5. Privacy Policy

Your use of this website is also governed by our Privacy Policy, which is accessible via the Privacy Policy button at the top of this page.

6. No Guarantee of Loan Approval

All mortgage applications are subject to lender underwriting guidelines, credit approval, and applicable federal and state regulations. We do not guarantee approval, rates, or loan terms.

7. Limitation of Liability

We are not liable for any direct, indirect, incidental, or consequential damages arising from your use of this website or services.

8. Changes to Terms

We reserve the right to update or modify these Terms at any time without prior notice. Continued use of the website constitutes acceptance of any changes.

9. Contact Information

If you have any questions regarding these Terms, you may contact us at:

Colby Kaspar | NMLS 2739351
Email: [email protected]
Phone: 409-550-8653

Social Media: @approvedwithcolby
Address: Swift Mortgage LLC | NMLS 1925754 | 1528 E Williams Field Rd, Bldg. C, Suite 201, Gilbert, AZ 85295

LOAN APPLICANT DISCLAIMER

We do not guarantee loan approval. All mortgage services are subject to underwriting guidelines and applicable laws.

Equal Housing Opportunity