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Terms of Service

TERMS OF SERVICE

Last Updated: January 23, 2026

Welcome to Lincoln Lending Group, LLC (“Lincoln Lending Group,” “we,” “us,” or “our”). By accessing or using our website at lincolnlendinggroup.com or our services, you agree to be bound by these Terms of Service.

1. ACCEPTANCE OF TERMS

By using our website, submitting inquiries, or engaging with our services, you agree to these Terms of Service and our Privacy Policy. If you do not agree, please do not use our services.

2. SMS/TEXT MESSAGING TERMS

2.1 Consent to Receive SMS Messages

By providing your mobile phone number and opting in to receive text messages from Lincoln Lending Group, you expressly consent to receive automated marketing and transactional text messages at the phone number you provide. This includes but is not limited to:

  • Mortgage application status updates
  • Appointment reminders and confirmations
  • Document request notifications
  • Event invitations and reminders
  • Promotional rate alerts and special offers
  • New loan program announcements
  • Educational content and industry updates

2.2 Consent Not Required for Purchase

Your consent to receive text messages is not a condition of purchasing any goods or services from Lincoln Lending Group. You may still work with us even if you choose not to receive text messages.

2.3 Message Frequency

Message frequency varies depending on your interaction with our services. You may receive:

  • During active loan application: Up to 10 messages per month
  • General marketing/events: 2-8 messages per month
  • Typical average: 3-5 messages per month


Message frequency may be higher during busy periods, loan processing, or event seasons.

2.4 Message and Data Rates

Message and data rates may apply based on your mobile carrier’s plan. Please check with your wireless carrier for details on your plan and any applicable charges.

2.5 Supported Carriers

Our SMS service is supported by major U.S. carriers including T-Mobile®, AT&T, Verizon Wireless, Sprint, Boost, U.S. Cellular, MetroPCS, and others. Carriers are not liable for delayed or undelivered messages.

2.6 How to Opt Out

You can opt out of receiving text messages at any time by:


After you text STOP, you will receive one final confirmation message that you have been unsubscribed. You will no longer receive text messages from us unless you opt back in.

To opt back in, text START or YES to any previous message from us, or contact us directly.

2.7 Help and Customer Support

For help or questions about our SMS service:

2.8 Privacy and Data Use

We collect and use your mobile phone number and SMS data in accordance with our Privacy Policy. We will not sell or share your phone number with third parties for their marketing purposes without your consent. Your information may be shared with:

  • SMS service providers who facilitate message delivery
  • Mobile carriers who deliver the messages
  • Service providers who help us operate our business


For complete details on how we use your data, please review our Privacy Policy at lincolnlendinggroup.com/privacy-act/

2.9 Automated Messages

Messages may be sent using an automatic telephone dialing system or prerecorded/artificial voice messages. You understand and agree to receive these automated messages.

2.10 Changes to SMS Terms

We reserve the right to modify these SMS terms at any time. We will notify you of material changes via text message or email. Your continued use of our SMS service after changes are posted constitutes your acceptance of the modified terms.

3. MORTGAGE SERVICES

Lincoln Lending Group, LLC is a licensed mortgage broker. Company NMLS #355238. All loans are subject to credit approval. Terms and conditions apply. We do not guarantee loan approval or specific loan terms.

4. WEBSITE USE

4.1 You agree to use our website only for lawful purposes and in accordance with these Terms.

4.2 You may not:

  • Use the website in any way that violates applicable laws or regulations
  • Attempt to gain unauthorized access to our systems
  • Interfere with or disrupt the website or servers
  • Transmit viruses, malware, or other harmful code

5. INTELLECTUAL PROPERTY

All content on this website, including text, graphics, logos, images, and software, is the property of Lincoln Lending Group or its licensors and is protected by copyright and other intellectual property laws.

6. DISCLAIMER OF WARRANTIES

OUR WEBSITE AND SERVICES ARE PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT GUARANTEE LOAN APPROVAL, SPECIFIC RATES, OR OUTCOMES.

7. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LINCOLN LENDING GROUP SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OUR SERVICES.

8. LINKS TO THIRD-PARTY WEBSITES

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of service of third-party sites.

9. CHANGES TO TERMS

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to our website. Your continued use constitutes acceptance of the modified terms.

10. CONTACT INFORMATION

For questions about these Terms of Service, please contact:

Lincoln Lending Group, LLC
6944 W Linebaugh Ave, Suite 101
Tampa, FL 33625
Phone: (813) 319-5363
Email: frank@lincolnlend.com
Website: lincolnlendinggroup.com

Company NMLS: 355238
Florida License: MBB0704730

Lincoln Lending Group is an Equal Opportunity Employer and supports the Fair Housing Act.