Buying a home in Florida? Get pre-approved for FREE in minutes.

Get Pre-Approved

Privacy Policy

Terms of Service

Last Updated: [Insert Date]

These Terms of Service (“Terms”) govern your use of the website located at atlantictrustmortgage.com (“Site”) and any services provided by Atlantic Trust Mortgage (“Company,” “we,” “our,” or “us”). By accessing or using this Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must discontinue use of the Site immediately.

1. Use of Website

You are granted a non-exclusive, non-transferable, revocable license to access and use this Site strictly in accordance with these Terms. You agree not to use the Site for any unlawful purpose or in any way that could damage, impair, or interfere with any other party’s use of the Site.

2. No Mortgage Approval Guarantee

Nothing on this Site constitutes a commitment to lend, pre-approval, or loan guarantee. Any mortgage approval is subject to verification of information, underwriting review, investor requirements, and all applicable lending guidelines.

3. Accuracy of Information

While we strive to ensure the accuracy of all information presented on the Site, we make no warranties that such information is current, complete, or error-free. Rates, loan programs, and eligibility requirements are subject to change without notice.

4. Intellectual Property

All content on the Site—including text, graphics, logos, icons, videos, and software—is the property of Atlantic Trust Mortgage or its content providers and is protected by copyright, trademark, and other intellectual property laws. Unauthorized use is prohibited.

5. User Submissions

By submitting information through the Site (e.g., forms, inquiries, applications), you grant Atlantic Trust Mortgage a non-exclusive, royalty-free license to use the information for the purpose of providing services, communicating with you, and fulfilling legal or compliance obligations.

6. Third-Party Links & Services

The Site may contain links to third-party websites. These sites are not controlled by Atlantic Trust Mortgage, and we are not responsible for their content, accuracy, or policies. Access to third-party sites is at your own risk.

7. Digital Communications and E-Sign Consent

By using the Site or submitting information, you consent to receive electronic communications from us. You agree that electronic communications, signatures, and records satisfy any legal requirements for written communication under applicable law.

8. No Professional Advice

Information provided on the Site does not constitute legal, tax, investment, or financial advice. You should consult your own professional advisors before making financial or real estate decisions.

9. Limitation of Liability

To the fullest extent permitted by law, Atlantic Trust Mortgage shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of the Site, including but not limited to:

  • Loss of data
  • Loss of profits
  • Service interruptions
  • Errors or omissions in content

Your sole remedy for dissatisfaction with the Site is to stop using it.

10. Indemnification

You agree to indemnify and hold harmless Atlantic Trust Mortgage, its employees, officers, agents, and partners from any claims, damages, liabilities, costs, or expenses arising out of your use of the Site or violation of these Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida. Any disputes arising under these Terms shall be resolved in the courts located in Duval County, Florida.

12. Arbitration Agreement

Any dispute, claim, or controversy arising from your use of the Site or these Terms shall be resolved through binding arbitration administered in Jacksonville, Florida. You waive your right to participate in a class action lawsuit.

13. Changes to Terms

Atlantic Trust Mortgage reserves the right to modify these Terms at any time. Updates will be posted on this page. Continued use of the Site constitutes acceptance of the revised Terms.

14. Contact Information

Atlantic Trust Mortgage welcomes your questions or concerns regarding these Terms.

Atlantic Trust Mortgage
6126 Atlantic Blvd
Jacksonville, Florida 32211
Email: sam@atmfl.com
Phone: 904-687-9271

Accessibility Statement

Atlantic Trust Mortgage is committed to ensuring digital accessibility for people with disabilities. We are continually improving the user experience for everyone and applying relevant accessibility standards.

Our Commitment

We aim to comply with the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA to ensure our website is fully usable.

Steps We Take

  • Regularly scanning the website for accessibility issues
  • Providing alt text for images
  • Ensuring readable fonts and color contrast
  • Maintaining keyboard navigability

Feedback

If you encounter any accessibility barriers on our site, please contact:

Email: sam@atmfl.com
Phone: 904-687-9271

We will respond promptly to assist you.

Mortgage Disclaimer

All loan programs, rates, terms, and conditions are subject to change without notice. Not all applicants will qualify. Loan approval is subject to credit verification, underwriting guidelines, property approval, and investor requirements.

Any payment or mortgage calculation displayed on this website is an estimate for informational purposes only and is not a commitment to lend. Actual payments may vary based on taxes, insurance, PMI, HOA dues, loan limits, and market conditions.

Atlantic Trust Mortgage does not guarantee interest rate availability until a rate is locked in writing. Restrictions may apply.

For exact terms, disclosures, and qualification requirements, please contact: sam@atmfl.com or call 904-687-9271.

Fair Lending Statement

Atlantic Trust Mortgage fully supports and complies with the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act.

We do not discriminate against any applicant on the basis of:

  • Race
  • Color
  • Religion
  • National Origin
  • Sex
  • Marital Status
  • Age
  • Receipt of public assistance
  • Disability or handicap
  • Familial status

All loan applicants are evaluated consistently based on creditworthiness, ability to repay, and program eligibility.

HMDA Notice

The Home Mortgage Disclosure Act (HMDA) requires financial institutions to maintain, report, and disclose information about mortgage lending activity. This data helps ensure lenders serve the housing needs of their communities and comply with fair lending laws.

HMDA data for Atlantic Trust Mortgage is available for public review. To obtain this information, please contact: sam@atmfl.com.

E-Sign Act Disclosure

By submitting information on this website, you consent to receive electronic records, disclosures, and communications from Atlantic Trust Mortgage under the Electronic Signatures in Global and National Commerce Act (E-Sign Act).

Your Consent Includes:

  • Electronic delivery of loan documents
  • Electronic disclosures and notices
  • Electronic communication via email and website forms

Withdrawing Consent

You may withdraw consent at any time by contacting: sam@atmfl.com or 904-687-9271.

Paper Copies

You may request paper copies of electronic documents at no charge.

Hardware & Software Requirements

  • Device capable of accessing the internet
  • Current web browser
  • Valid email address
  • PDF reader