Effective Date: May 21, 2026

Purpose

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

Our goal is to provide timely, professional, compliant, and transparent communication while adhering to applicable federal laws and industry standards, 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 various channels, including:

Phone calls

SMS/text messages (SMS/MMS)

Email

Website forms

Appointment scheduling systems

Secure document portals

Direct mail

Communication methods used may depend on your relationship with us, your preferences, and any consent you provide.

Consent to Communications

By submitting your contact information through our Website, mortgage application process, forms, scheduling tools, or other communication channels, you consent to receive communications from Blue Angel Mortgage related to your inquiry, application, account, or requested services.

Consent to receive communications is not a condition of obtaining mortgage services or loan approval.

Types of Communications

Transactional Communications

You may receive communications related to:

Mortgage application updates

Loan processing notifications

Appointment confirmations

Document requests

Account-related notices

Customer support responses

Informational Communications

You may also receive:

Process guidance

Service-related updates

Operational notifications

General informational communications related to your mortgage inquiry

Marketing Communications

Promotional or marketing communications will only be sent where permitted by law and where appropriate consent has been obtained.

You may opt out of marketing communications at any time.

SMS/Text Messaging Policy

Blue Angel Mortgage complies with all applicable A2P messaging regulations and industry standards.

SMS Consent Requirements

We only send SMS/text messages to individuals who have voluntarily provided their mobile phone number and consented to receive messages from us.

You may provide consent by:

Completing a Website form

Submitting a mortgage application

Scheduling an appointment

Checking an SMS consent checkbox

Providing verbal consent during a phone conversation

Requesting communication via text message

Types of SMS Messages

If you opt in to receive SMS communications, messages may include:

Mortgage application updates

Loan processing notifications

Appointment reminders

Document requests

Customer support communications

Account-related updates

We do not send promotional or marketing text messages without appropriate consent where required.

Message Frequency

Message frequency may vary depending on your interaction with our services and the status of your mortgage process.

Message & Data Rates

Message and data rates may apply according to your mobile carrier plan.

Sender Identification

All SMS communications will clearly identify Blue Angel Mortgage, LLC as the sender.

Opt-Out Instructions

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

STOP

After opting out:

You will no longer receive SMS messages from us

A final confirmation message may be sent

Help Instructions

For assistance, reply:

HELP

Or contact us directly:

Email: [email protected]
Phone: 850-805-7868

Carrier Disclaimer

Message delivery depends on your mobile carrier’s availability and participation.

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

Mobile Information Sharing Policy

Blue Angel Mortgage, LLC does not sell, rent, share, or disclose mobile phone numbers or SMS consent information to third parties or affiliates for marketing or promotional purposes.

Information may only be shared with vendors or service providers assisting us in operating our business and only as necessary to provide services on our behalf.

Do Not Call (DNC) Compliance

Blue Angel Mortgage maintains an internal Do Not Call (DNC) list in accordance with federal regulations.

You may request to be added to our DNC list by:

Verbal request

Written request

Email request

Replying STOP to SMS communications

We will honor all requests as required by applicable law.

Communication Hours

We strive to communicate during reasonable business hours.

Typical communication hours are:

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

Saturday: Limited availability

Sunday: By appointment only

Exceptions may apply for:

Time-sensitive matters

Requested follow-ups

Ongoing mortgage processing needs

Email Communications

Email communications may be used for:

Status updates

Documentation requests

Customer support

Operational notices

Security Notice

Email is not always secure. Sensitive information may be transmitted through secure systems or encrypted portals when required.

Response Time Standards

We aim to provide prompt and professional communication.

Typical response times:

Calls and SMS messages: Same business day or within several business hours

Emails: Within 24 business hours

Response times may vary depending on business volume and operational needs.

Professional Conduct

Blue Angel Mortgage is committed to maintaining respectful, professional, and accurate communications.

We reserve the right to limit or discontinue communications in cases involving:

Harassment

Threatening conduct

Abusive language

Fraudulent activity

Misuse of communication channels

Record Retention

We may retain records of communications, including:

Phone calls

Text messages

Emails

Submitted forms

Records may be retained for:

Compliance purposes

Quality assurance

Security monitoring

Dispute resolution

Regulatory obligations

Changes to This Policy

Blue Angel Mortgage may update this Communication Policy periodically.

Updated versions will be posted on our Website with a revised effective date.

Contact Information

If you have questions regarding this Communication Policy, contact:

Blue Angel Mortgage, LLC
Email: [email protected]
Phone: 850-805-7868