Terms of SErvice

Effective Date: September 15, 2025

Welcome to Hammond Home Loans, operated by Judge Hammond. These Terms of Service (“Terms”) govern your access to and use of our website, communications, and services. By using our website or opting into our communications, you agree to these Terms.

1. Licensing and Regulatory Notices

Judge Hammond is a licensed Mortgage Loan Originator (NMLS #1986792).

Loans are brokered through Legacy Lending USA (Company NMLS #168482; MB #0909777).

In California, Legacy Lending USA does business as Legacy Mortgage and Investment Corporation.

Equal Housing Lender.

All loans are subject to credit approval and program guidelines. Rates, terms, and conditions may change without notice. Not all applicants will qualify.

2. Use of the Website

This website is for informational purposes only and does not constitute a commitment to lend. Any loan approval is contingent upon underwriting review and program guidelines.

3. SMS/Text Messaging Program (A2P/10DLC Compliance)

By submitting your phone number through this website or any lead form, you consent to receive SMS/text messages from Hammond Home Loans for informational, transactional, and marketing purposes.

Message Frequency: Varies. You may receive multiple messages per month depending on your inquiry or loan application status.

Message & Data Rates: Standard carrier rates may apply.

Opt-Out: You can cancel at any time by replying STOP to any message. After you send STOP, you will no longer receive SMS messages from us. To rejoin, opt-in again via our website or forms.

Help: For help, reply HELP or contact us at (480) 573-9445 or [email protected].

Carriers Not Liable: Mobile carriers are not liable for delayed or undelivered messages.

Consent Not Required: Consent to receive marketing texts is not a condition of loan approval, credit, or purchase.

4. Privacy and Data Use

We collect personal information you provide, such as your name, phone number, and email. This information is used to provide mortgage-related services, respond to inquiries, and send SMS/email communications (where consented).

See our Privacy Policy for details on how we store and protect your data.

We do not sell your personal information to third parties.

5. Intellectual Property

All website content, including text, graphics, and logos, is owned by Hammond Home Loans or its licensors and protected by intellectual property laws.

6. Disclaimers and Limitations

The website and SMS services are provided “as is” without warranties. We disclaim liability for indirect or consequential damages related to use of the Site or SMS communications.

7. Governing Law

These Terms are governed by the laws of the State of Arizona. Any disputes shall be resolved in courts located in Maricopa County, Arizona.

8. Contact Information

Legacy Lending USA / Judge Hammond
4500 S Lakeshore Drive #205
Tempe, Arizona 85282
Phone: (480) 573-9445
Email: [email protected]