1. Program Description

With your consent, we may contact you concerning:

- Your mortgage inquiry or requested consultation.

- Appointment confirmations and reminders.

- Mortgage application or transaction updates.

- Requests for information or documents.

- Homebuying, refinancing and mortgage education.

- Mortgage products, programs and services that may interest you.

- Customer-service and follow-up communications.

- Other communications described when you provide consent.

Some communications may constitute advertising or telemarketing.

2. Consent to Calls and Text Messages

When you provide the required consent, you authorize Dylan Crews and Edge Home Finance, LLC to call or send text messages to the telephone number you provide.

Depending on the consent language presented to you, these communications may include:

- Calls or messages made using an automatic telephone dialing system or other automated technology.

- Artificial-voice or prerecorded-voice calls.

- Recurring SMS or MMS text messages.

- Marketing and promotional communications.

Your consent applies specifically to communications from Dylan Crews and Edge Home Finance, LLC. Your consent is not permission for unrelated third parties to market their products or services to you.

Consent is not a condition of purchasing, applying for or obtaining any product or service. You may contact Dylan Crews directly at (615) 795-8047 without agreeing to automated or marketing communications.

3. Telephone Number and Authority

By providing a telephone number, you represent that:

- You are at least 18 years old.

- You are the subscriber or customary user of that number.

- You are authorized to consent to calls and text messages at that number.

- The information you provide is accurate.

If your telephone number changes or is reassigned, you agree to notify us promptly.

4. Message Frequency and Charges

Message frequency varies depending on your inquiry, transaction activity and communication preferences.

Message and data rates may apply. Your mobile carrier’s rates and terms govern charges associated with calls or messages. We do not charge a separate fee to participate in the messaging program.

5. Communication Hours

Marketing calls and text messages will generally be sent only between 8:00 a.m. and 9:00 p.m. in your local time zone. Transactional or consumer-requested communications will be sent at reasonable times and in accordance with applicable law.

6. How to Opt Out

You may revoke your consent at any time using any reasonable method that clearly communicates your desire to stop receiving calls or text messages.

To stop text messages, reply with:

- STOP

- QUIT

- END

- REVOKE

- OPT OUT

- CANCEL

- UNSUBSCRIBE

You may also request an opt-out by calling (615) 795-8047 or emailing [email protected]

Opt-out requests will be honored as soon as practicable and no later than ten business days after receipt. You may receive one nonmarketing text confirming that your opt-out request was received.

If you request that telephone calls stop, your number will be added to our internal do-not-call list where required. An opt-out request will not prevent communications that are legally required or otherwise permitted without consent.

7. Help

For assistance, reply HELP to a text message, call (615) 795-8047 or email [email protected]

8. Carrier Disclaimer

Wireless carriers are not liable for delayed or undelivered messages. Message delivery is subject to the availability and operation of your wireless service, network and device.

9. Privacy

Information collected through the calling and messaging program is handled according to our Privacy Policy.

We do not sell or rent your mobile number or call/text consent information. Mobile information will not be shared with third parties or affiliates for their independent marketing or promotional purposes. Text-message opt-in data and consent may be shared only with service providers that help deliver and manage the communications program.

10. No Guarantee of Availability

Calls and text messages are provided for convenience. Delivery is not guaranteed, and messages should not be relied upon for emergencies, rate locks, time-sensitive contractual notices or final loan approval.

A text message does not constitute a rate lock, loan approval, commitment to lend or modification of loan terms. Mortgage approvals, rate locks and binding loan terms must be provided through the appropriate formal documentation.

11. Changes to These Terms

We may update these terms periodically. Updated terms will be posted on this page with a revised effective date. Where required, we will obtain new consent before materially expanding the types of automated or marketing communications you receive.

12. Contact Information

Dylan Crews

Mortgage Loan Originator

NMLS ID #1987505

Phone: (615) 795-8047

Email: [email protected]

Edge Home Finance, LLC

Company NMLS ID #891464

5860 Baker Road

Minnetonka, MN 55345

Phone: (763) 219-8484