Terms of Use

Effective Date: July 19, 2026

1. Acceptance of Terms

By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree, please do not use this site.

2. No Commitment to Lend

Nothing on this website constitutes an offer, approval, or commitment to extend credit. All loan products are subject to underwriting approval, credit approval, property approval, and program guidelines. Not all applicants will qualify.

3. Not Financial or Legal Advice

Content on this website is provided for general informational purposes only and should not be construed as financial, legal, or tax advice. Consult a qualified professional regarding your specific situation.

4. Intellectual Property

All content on this website — including text, graphics, logos, and images — is the property of Modern State Mortgage or its licensors and may not be reproduced, distributed, or used without written permission.

5. User Conduct

You agree not to use this website for any unlawful purpose, to submit false or misleading information through our forms, or to attempt to interfere with the site's security or functionality.

6. Third-Party Links

This website may contain links to third-party sites. We do not control and are not responsible for the content, accuracy, or practices of those sites.

7. Limitation of Liability

Modern State Mortgage is not liable for any direct, indirect, incidental, or consequential damages arising from your use of this website, to the fullest extent permitted by law.

8. Governing Law

These Terms are governed by the laws of the State of Oklahoma, without regard to conflict-of-law principles.

9. Changes to These Terms

We may update these Terms at any time. Continued use of the site after changes are posted constitutes acceptance of the revised Terms.

10. Contact

Questions about these Terms can be directed to hello@modernstatemortgage.com.