By providing your contact information (phone numbers, email addresses, etc.), you consent to receive communications from Stairway Mortgage, a Division of NEXA Mortgage LLC, and/or Jim Blackburn Mortgage Team (“we,” “us,” or “our”), as well as our agents, affiliates, and representatives. Communications may include:

• Phone calls (including live representatives, automated dialing systems, and AI integrated systems)
• SMS/text messages (including automated messages and AI integrated systems)
• Emails and electronic communications
• Ringless voicemail messages (including automated messages and AI integrated systems)

We may contact you using the information you provide or information reasonably associated with your account (e.g., caller ID, skip tracing).

Consent for SMS/Text Messaging

By providing a mobile number, you consent to receive SMS messages for:

• Loan application updates
• Mortgage market updates and promotions
• Follow-ups on mortgage reviews, holiday messages, and service referrals

SMS messages may be sent through platforms such as RingCentral, SMS 360, SMS Magic, Jungo, and Salesforce. Standard carrier messaging and data rates may apply.

Opting Out of SMS Messages

You can opt out of SMS messages at any time by replying STOP to any message or calling (954) 993-1625. Reply HELP for more information. Opting out of SMS does not affect other forms of communication you have consented to receive.

Call Monitoring & Recording

For quality assurance and compliance, phone calls may be monitored or recorded as permitted by law. By communicating with us, you consent to such recording and monitoring.

Privacy & Data Protection

Your personal information is handled in accordance with our Privacy Policy, ensuring compliance with applicable laws. We use industry-standard security measures to protect your data from unauthorized access.

How We Use Your Information

We collect and use your information to:

• Process loan applications and manage accounts
• Provide status updates and relevant market information
• Conduct marketing, promotions, and service follow-ups
• Comply with legal and regulatory requirements
• Improve our services and user experience

Sharing Your Information

We may share your information with:

• Affiliates, agents, and representatives providing mortgage services
• Third-party service providers for communication, marketing, or data analysis
• Regulatory authorities, as required by law

We do not sell your personal information.

Your Rights & Opt-Out Options

Depending on your jurisdiction, you may have rights to:

• Access and request a copy of your personal data
• Correct inaccurate information
• Request deletion of certain personal data (subject to legal requirements)
• Opt out of marketing communications

To exercise these rights, contact us at [email protected].

Legal Disclosures

By providing your contact information, you certify that:

• You are at least 18 years old
• You reside in the United States
• You are the authorized account holder of the provided contact details
• You are not registered on a Do Not Call list

Your consent also applies to any past electronic communications you have received from us.

Automated Dialing, Prerecorded Messages, & AI Calling

By consenting to communications, you agree that we may contact you using:

• Autodialed calls (Automated Telephone Dialing System – ATDS)
• Prerecorded or artificial voice messages
• AI-generated call technology

Automated messages may play when you answer the phone, and SMS messages may include loan application updates and market conditions. Your wireless carrier may charge you for these messages.

Opt-Out from Automated Calls

You can opt out of automated calls at any time by calling (954) 993-1625.