Terms of Use
Last updated: July 10, 2026
These Terms of Use ("Terms") govern your access to and use of mortgageservicepro.com (the "Site") and your engagement with Mortgage Service Pro for mortgage brokerage services. Mortgage Service Pro is the personal brand of Dmitriy Poltavtsev, a licensed mortgage loan originator (NMLS #2601833) operating in connection with Loan Factory, Inc. (Company NMLS #320841). In these Terms, "we," "us," and "our" refer to Mortgage Service Pro. By using the Site or contacting us, you agree to these Terms. If you do not agree, please do not use the Site.
1. Acceptance of These Terms
By accessing the Site, submitting a form, or otherwise communicating with us, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy and Cookie Policy. These Terms form a binding agreement between you and Mortgage Service Pro. If you use the Site on behalf of another person or entity, you represent that you are authorized to accept these Terms for them.
2. Who We Are and What We Do
Mortgage Service Pro is a mortgage broker. We help borrowers find and apply for residential and certain commercial mortgage financing by working with a network of third-party lenders, banks, and investors.
| Operator | Dmitriy Poltavtsev, licensed mortgage loan originator (NMLS #2601833) |
| Operating with | Loan Factory, Inc. (Company NMLS #320841) |
| Address | 2195 Tully Road, San Jose, CA 95122 |
| [email protected] | |
| Phone | +1 (903) 820-2222 |
We are a broker, not a lender. We do not make loans, fund loans, or make credit decisions. The decision to approve or decline a loan, and the final terms of any loan, are made by the lender, not by us.
3. Not a Commitment to Lend; No Guarantee
Information on the Site — including descriptions of loan programs, rates, and timelines — is provided for general informational purposes only. It is not a loan approval, a commitment to lend, an offer, or a guarantee of any rate, term, or result.
- All loans are subject to credit approval, income and asset verification, property appraisal, and underwriting by the lender.
- Rates, fees, programs, and terms are set by lenders and may change at any time without notice.
- Actual terms depend on your individual circumstances and the lender's requirements.
- Our typical timelines (such as average closing times) are estimates based on past experience and are not promises.
No content on the Site should be relied upon as financial, legal, tax, or investment advice. You should consult your own advisors before making decisions.
4. Eligibility
You must be at least 18 years old and a U.S. resident (or otherwise legally eligible to obtain U.S. mortgage financing) to use our services. Our services are available only in states where we are licensed. By using the Site, you represent that you meet these requirements.
5. Licensing and Regulatory Disclosures
Mortgage Service Pro operates under the licenses of Loan Factory, Inc. and originates loans through licensed personnel.
| Company NMLS ID | #320841 |
| Loan Originator NMLS ID | #2601833 (Dmitriy Poltavtsev) |
| Verify licensing | NMLS Consumer Access |
We are authorized to originate mortgage loans in the states where we hold a license, which currently include Texas, California, Colorado, Illinois, South Carolina, Delaware, Florida, Georgia, Maryland, Virginia, New Jersey, North Carolina, Ohio, Pennsylvania, Tennessee, Kansas, and Massachusetts. State-specific license numbers and the current list of states are available through NMLS Consumer Access.
Equal Housing Opportunity. We do business in accordance with the federal Fair Housing Act and the Equal Credit Opportunity Act, and we do not discriminate on the basis of race, color, religion, national origin, sex, marital status, familial status, disability, age, or because any income is from a public assistance program.
6. Your Responsibilities
When you use the Site or work with us, you agree to:
- Provide accurate, current, and complete information
- Promptly update information that changes during the process
- Only submit information you are authorized to provide
- Not misrepresent your identity, income, employment, assets, or intentions
- Not use the Site for any unlawful, fraudulent, or abusive purpose
Providing false or misleading information in connection with a mortgage application may be a federal crime and can result in denial of your application and other consequences. You are responsible for maintaining the confidentiality of any account or portal credentials.
7. Consent to Electronic Communications (E-SIGN & TCPA)
Electronic records. By using the Site and engaging our services, you consent to receive disclosures, notices, and other communications electronically, and you agree that electronic records and signatures have the same legal effect as paper records and handwritten signatures under the federal E-SIGN Act. You may request paper copies and may withdraw consent by contacting us; doing so may affect our ability to serve you electronically.
Calls and text messages. By providing your phone number, you consent to receive calls and text messages (SMS/MMS) from us about your inquiry, including through automated technology and prerecorded messages where permitted by law.
- Consent is not a condition of obtaining any service.
- Message frequency varies; message and data rates may apply.
- Reply STOP to opt out of texts; reply HELP for help.
See our Privacy Policy for more about how we handle your communications and data.
8. The Loan Application Process
If you choose to apply for financing, you authorize us to obtain your credit report and to share your information with lenders and service providers as needed to process your request (see our Privacy Policy).
Any loan you obtain is a contract between you and the lender. The lender's own documents — including its Loan Estimate, Closing Disclosure, note, and other disclosures — control the terms of your loan. You are responsible for reviewing those documents carefully before signing. Nothing on this Site modifies or supersedes a lender's loan documents.
9. Intellectual Property
The Site and its content — text, graphics, logos, images, and layout — are owned by or licensed to Mortgage Service Pro and are protected by intellectual property laws. You may view and print content for your personal, non-commercial use. You may not copy, reproduce, distribute, modify, or create derivative works from the Site without our prior written permission. "Mortgage Service Pro," "Loan Factory, Inc.," and related names and logos may not be used without authorization.
10. Acceptable Use
You agree not to:
- Use the Site in violation of any law or regulation
- Attempt to gain unauthorized access to the Site, our systems, or other users' data
- Introduce malware or interfere with the Site's operation or security
- Scrape, harvest, or collect information about other users
- Use the Site to transmit spam or fraudulent content
We may suspend or terminate your access to the Site at any time if we believe you have violated these Terms.
11. Third-Party Links and Content
The Site may contain links to third-party websites, lenders, and tools that we do not control. We provide these links for convenience only and are not responsible for the content, products, services, or privacy practices of third parties. Your dealings with any third party are solely between you and that third party.
12. Disclaimers
The Site and its content are provided "as is" and "as available," without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement.
We do not warrant that the Site will be uninterrupted, secure, or error-free, or that any information on the Site is complete, current, or accurate. Loan program details and rates shown anywhere on the Site are illustrative and subject to change. Nothing on the Site constitutes financial, legal, tax, or accounting advice.
13. Limitation of Liability
To the fullest extent permitted by law, Mortgage Service Pro, Dmitriy Poltavtsev, and Loan Factory, Inc., and their respective owners, employees, and agents, will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill, arising out of or related to your use of the Site or our services, even if advised of the possibility of such damages.
Nothing in these Terms limits any liability that cannot be limited under applicable law, including any rights you have under consumer-protection or lending laws.
14. Indemnification
You agree to indemnify and hold harmless Mortgage Service Pro and its affiliates, and their respective owners, employees, and agents, from any claims, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your misuse of the Site, your violation of these Terms, or your submission of false or misleading information.
15. Privacy
Your use of the Site is also governed by our Privacy Policy and Cookie Policy, which explain how we collect, use, and protect your information. Please review them to understand our practices.
16. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules, except where the law of the state in which you reside or where your loan is originated requires otherwise.
Let's talk first. If you have a concern, please contact us so we can try to resolve it informally. Most issues can be resolved quickly that way.
If a dispute cannot be resolved informally, you agree that the state and federal courts located in California will have jurisdiction, except where applicable law gives you the right to bring a claim in your home state. This section does not waive any right you have to file a complaint with a regulator or to pursue remedies available under applicable consumer-protection laws.
17. Changes to These Terms
We may update these Terms from time to time. When we do, we will revise the "Last updated" date above and post the new version on this page. Your continued use of the Site after changes take effect means you accept the updated Terms.
18. General
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full effect. Our failure to enforce any provision is not a waiver of our right to do so later. These Terms, together with the Privacy Policy and Cookie Policy, are the entire agreement between you and us regarding the Site. You may not assign these Terms without our consent; we may assign them in connection with a transfer of our business.
19. Contact Us
Questions about these Terms? Contact us:
Mortgage Service Pro — Dmitriy Poltavtsev (NMLS #2601833)
| [email protected] | |
| Phone | +1 (903) 820-2222 |
| 2195 Tully Road, San Jose, CA 95122 |
Equal Housing Opportunity. NMLS #320841 · NMLS #2601833. Verify our licensing at NMLS Consumer Access.