Effective Date: 03/06/2025

Purpose

This Communication Policy outlines how Blue Angel Mortgage, LLC (“Blue Angel Mortgage,” “we,” “our,” or “us”) communicates with clients, prospects, and website users.

Our goal is to provide clear, timely, and professional communication while complying with all applicable laws and regulations, including:

Telephone Consumer Protection Act (TCPA)

Federal Communications Commission (FCC) regulations

CTIA Messaging Principles and Best Practices

Communication Channels

We may communicate with you through the following channels:

Phone calls

Text messages (SMS/MMS)

Email

Website forms

Direct mail

Communication methods used will depend on your preferences, consent, and relationship with us.

Consent to Communications

By submitting your contact information through our website, application, or any communication channel, you consent to be contacted by Blue Angel Mortgage.

Types of Communication

You may receive:

Transactional Communications:

Loan updates

Application status

Appointment confirmations

Required documentation requests

Informational Communications:

Loan process guidance

Market updates

Service-related notices

Marketing Communications (Optional):

Promotions

Rate updates

New loan programs

Important Disclosure

Consent is not a condition of obtaining a loan or service

Messaging frequency may vary

Standard message and data rates may apply

SMS/Text Messaging Policy (A2P Compliance)

Blue Angel Mortgage complies with all A2P (Application-to-Person) messaging requirements.

Opt-In Requirements

We only send SMS messages to individuals who have:

Provided their phone number voluntarily

Given prior express consent (written or digital)

Message Identification

All messages will clearly identify Blue Angel Mortgage as the sender.

Opt-Out Instructions

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

Replying STOP to any message

Once you opt out:

You will no longer receive SMS messages

A confirmation message may be sent

Help Instructions

For assistance:

Reply HELP to any message

Or contact us directly at:

Email: [email protected]

Phone: 850-525-8034

Message Frequency

Message frequency varies depending on your loan activity and communication preferences.

Carrier Disclaimer

Delivery of messages is subject to your mobile carrier and may be delayed or unavailable.

Blue Angel Mortgage is not responsible for delayed or undelivered messages.

Data Use for Messaging

We do not sell or share your mobile number with third parties for their marketing purposes

Your information is used strictly for communication related to your inquiry or loan

Do Not Call (DNC) Compliance

Blue Angel Mortgage maintains an internal Do Not Call list.

You may request to be placed on this list by:

Verbal request

Written request

Email request

We will honor all requests in accordance with federal and state laws.

Communication Hours

We strive to respect your time and privacy.

Typical communication hours:

Monday–Friday: 9:00 AM – 6:00 PM (local time)

Saturday: Limited availability

Sunday: By appointment only

Exceptions may apply for:

Time-sensitive loan matters

Client-requested communication

Email Communications

Email may be used for:

Loan documentation

Status updates

Customer support

Security Notice

Email is not always secure. Sensitive information should be transmitted through secure portals when required.

Response Time Standards

We operate with a speed-first service model.

Typical response times:

Calls/Text Messages: Same day or within hours

Emails: Within 24 business hours

Our goal is to provide fast, accurate, and consistent communication throughout the loan process.

Professional Conduct

All communications from Blue Angel Mortgage will be:

Clear and accurate

Respectful and professional

Free from misleading or deceptive language

We expect the same level of respect in return.

We reserve the right to limit or cease communication in cases of:

Abusive language

Harassment

Threatening behavior

Record Keeping

We may retain records of communications, including:

Phone calls

Text messages

Emails

These records may be used for:

Compliance purposes

Quality assurance

Dispute resolution

Changes to This Policy

We may update this Communication Policy at any time.

Updates will be posted on our website with a revised effective date.

Contact Information

For questions regarding these Terms:

Blue Angel Mortgage
Email: [email protected]
Phone: 850-823-9284