Terms of Use

Effective date: August 20, 2026

1. About These Terms

These Terms of Use ("Terms") apply to your use of themortgagemarine.com (the "Site"), operated by The Mortgage Marine ("we," "us," or "our"). By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

2. What This Site Does

This Site is informational. It exists to help you understand loan options and to get in touch with Bill Bloom.

• The Site does not process loan applications. Loan applications are submitted to and handled by Embrace Home Loans through its own secure system and under its own terms and privacy policy.
• Nothing on the Site is a commitment to lend, a loan offer, or an approval, and no specific rate or term is quoted here. All loans are subject to credit approval.
• Information on the Site is general in nature and is not legal, tax, or financial advice. Your actual options depend on your situation and are reviewed with you directly.

3. Text Messaging

When you provide your phone number and submit the chat widget on this Site, you agree to receive text messages from The Mortgage Marine related to your inquiry — including replies to your questions, scheduling, and follow-up about your request. These messages may be sent using automated means.

The chat widget is the only way to opt in to text messages from us. Submitting the contact form does not opt you in to text messages, and the contact form does not collect a phone number.

• Messages are transactional and conversational only — replies to your inquiry, coordinating a call, and appointment confirmations or reminders. We do not send marketing or promotional text messages, rate advertisements, or broadcasts.
• Message frequency varies.
• Message and data rates may apply.
• Reply STOP at any time to unsubscribe. Reply HELP for assistance.
• Carriers are not liable for delayed or undelivered messages.

Mobile opt-in information and consent are not shared with, or sold to, any third parties or affiliates for marketing purposes. Your consent to receive text messages is not a condition of any purchase or service.

How we handle the information you provide is described in our Privacy Policy.

4. Information You Submit

When you contact us through the Site, please provide accurate information and only information that is yours to share. Do not submit sensitive financial details — such as Social Security numbers, income, or account numbers — through the contact form or chat widget. That information belongs in the secure Embrace Home Loans application system.

5. Acceptable Use

Please use the Site for its intended purpose. Do not use it to break the law, to interfere with or disrupt the Site, or to attempt unauthorized access to any part of it.

6. Content and Trademarks

The content on this Site — text, images, and design — belongs to The Mortgage Marine or is used with permission, and is provided for your personal, informational use. Names and logos of Embrace Home Loans and other third parties belong to their respective owners.

7. Links and Third-Party Services

The Site links to other websites and uses third-party services, including our chat and messaging platform and the Embrace Home Loans application system. We do not control those sites or services, and their own terms and privacy policies govern your use of them.

8. Licensing and Regulatory Notices

Bill Bloom, NMLS #65557. Embrace Home Loans, Inc. NMLS #2184. Licensed in CA, DC, DE, FL, MD, PA, SC, VA, WV. Equal Housing Opportunity. The Mortgage Marine is not affiliated with or endorsed by the Department of Veterans Affairs or any government agency.

9. Changes to These Terms

We may update these Terms from time to time. When we do, we will post the revised version on this page and update the effective date above. Changes take effect when they are posted.

10. Contact

If you have questions about these Terms, contact:

• The Mortgage Marine
• Email: bBloom@embracehomeloans.com
• Mailing address: 6100 Merriweather Dr, Columbia, MD 21044