The program
This page describes the text messaging program operated by Michael and Sherry Wright, branch owners of E Mortgage Capital, Inc. (NMLS #1416824). The program name is Team Wright Mortgage Updates. By opting in you agree to these terms.
We text you only if you asked us to. We never give your number to anyone. Reply STOP and we stop — immediately, not in ten days. Reply HELP or call (949) 336-1611 and a person answers.
How you opt in
There is no way to end up on this list by accident. You are added only when you take a deliberate action:
- You check the consent box on a quote request or Loan Estimate review form on our website. The box is separate from the rest of the form, is unchecked when you arrive, and submitting without it still gets you your quote.
- You check the equivalent consent box on one of our advertisements on Facebook, Instagram or Google.
- You submitted your information to a licensed lead provider and consented there to be contacted by mortgage lenders. We keep the record of that consent, including the disclosure you were shown and when.
- You text us first, or you ask us on a call to text you.
Consent to receive marketing texts is not a condition of receiving a quote, of applying for a loan, or of any purchase.
What we send, and how often
Two kinds of message come from this program, and they are treated differently.
Transactional — about a loan already in progress
- A document we need from you, or confirmation that one arrived.
- Where your file stands: submitted, approved, clear to close.
- Appointment and closing reminders, and rate-lock expiration notices.
- A reply to something you texted or asked us.
Marketing — rates and products
- Notice that rates have moved somewhere worth your attention.
- A refinance or product opportunity we think fits your situation.
- Follow-up on a quote you requested.
Message frequency
Message frequency varies with what is happening in your file. During an active loan you may hear from us several times a week. Outside of one, expect roughly 2 to 6 messages per month. We do not send on a fixed schedule and we do not pad the list to stay in front of you.
We send between 8:00 a.m. and 9:00 p.m. in your local time, and we observe any stricter limits your state imposes.
What it costs
Message and data rates may apply. We do not charge anything for these messages, but your mobile carrier may, depending on your plan. Check with your carrier if you are unsure.
Supported carriers include AT&T, Verizon Wireless, T-Mobile, Sprint, US Cellular, Boost, MetroPCS, Virgin Mobile and others. Carriers are not liable for delayed or undelivered messages. Delivery is subject to effective transmission by your carrier and is not guaranteed.
Stopping, resuming, and getting help
These keywords work on any message we send. They are not case sensitive.
| Reply with | What happens |
|---|---|
| STOP | We stop texting you. You will get one confirmation message and nothing after that. Words like QUIT, CANCEL, UNSUBSCRIBE, END and OPT OUT do the same thing, and so does simply telling us to stop in your own words. |
| HELP | You get our name, this program's name, and our phone number, so you always know who is texting you and how to reach a person. |
| START | Resumes messages if you previously opted out and change your mind. UNSTOP works too. |
You can also opt out any other reasonable way — tell us on a call, email michael@emortgagecapital-teamwright.com, or write to the address at the bottom of this page. We honor it right away rather than taking the ten business days the FCC allows, and we apply it across every channel it reasonably covers, not just the one message you replied to.
If you have a loan in process, we may still contact you about that specific transaction after you opt out of marketing, because those messages are part of the service you engaged us for. Tell us to stop those too and we will, though it may mean handling your file by phone and email instead.
Your number stays with us
We do not share your mobile number or your consent with anyone. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent are excluded from every category of information sharing described in our privacy policy, and are not shared, sold, rented or transferred to any third party.
Read the full Privacy Policy for how we handle everything else.
Who to contact
If a message is unclear, if you think you received one in error, or if you want to know where your consent came from, ask us and we will show you the record.
We may update these terms. The current version always lives at this address, and the date at the top of the page tells you when it last changed.