Legal Disclaimer

Welcome to the website of the Mack Humphrey Mortgage Team at First Coast Mortgage Alliance ("we," "us" or "our"). By using this website, you agree to the terms below. If you do not agree, please do not use the site.

Website Terms of Use

The content on this website is provided for general information and education only. It is not financial, legal or tax advice. Please talk with a qualified professional about your own situation before making decisions.

All content, including text, graphics, logos and images, belongs to us or our licensors and is protected by copyright and trademark laws. You may view and print pages for personal, non-commercial use. You may not copy, change, distribute or sell any content without our written permission.

You agree not to misuse the site, including by trying to access it without permission, interfering with how it works, or submitting false or someone else's information through our forms.

No Commitment to Lend

Nothing on this website is an offer or commitment to lend. Submitting a form, using a calculator or starting an application does not guarantee approval. All loans are subject to credit approval, verification of income and assets, property appraisal, underwriting and final approval. Not all applicants will qualify, and not all programs are available in all areas.

Calculators and Educational Content

Our calculators are self-help tools for illustration only. Results are estimates based on the information you enter and are not a loan offer or a guarantee of terms. Figures such as loan limits, down payment minimums and fees are described "as of 2026" and may change at any time.

Rates and Terms Subject to Change

Interest rates, annual percentage rates (APR), fees and program terms change often and without notice based on market conditions. Your actual rate and terms depend on factors such as your credit history, loan amount, down payment, property type and occupancy. A rate is not guaranteed until it is locked in writing.

Third-Party Links

This site links to websites run by others, such as our secure loan application portal, scheduling tools, review sites, government agencies and social media. We provide these links for convenience. We do not control and are not responsible for their content, privacy practices or availability. Your use of those sites is governed by their own terms.

No Warranties; Limitation of Liability

We work to keep this site accurate and up to date, but it is provided "as is" without warranties of any kind. To the fullest extent allowed by law, we are not liable for any loss or damage arising from your use of the site or reliance on its content.

Licensing Information

First Coast Mortgage Alliance, NMLS #2530582. Mack H. Humphrey II, CMPS, NMLS #1110618. You can verify licensing at NMLS Consumer Access. Equal Housing Opportunity. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

First Coast Mortgage Alliance, 2927 S Ponte Vedra Blvd, Ponte Vedra Beach, FL 32082.

Changes to These Terms

We may update these terms at any time by posting a new version on this page. Questions? Please contact us.