Terms and Conditions
Effective Date: February 12, 2026
Acceptance of Terms
By accessing and using reneajonesloanofficer.com (the “Site”), you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please do not use the Site.
About This Site
This Site is operated by Renea Jones, a loan officer with First Heritage Mortgage, LLC (Company NMLS ID #86548, Richmond Branch NMLS ID #1197073). The Site provides general information about mortgage lending services and includes a contact form for inquiries.
No Offer or Commitment to Lend
Nothing on this Site constitutes a loan commitment, pre-approval, or offer to lend. All mortgage loans are subject to credit approval, property appraisal, and other conditions. Any information provided on this Site is for informational purposes only and should not be relied upon as financial advice.
Use of the Contact Form
The contact form on this Site allows you to submit inquiries to Renea Jones. By submitting the form, you consent to being contacted by phone, email, or other means at the contact information you provide. Submitting a contact form does not create a lender-borrower relationship or obligate either party in any way.
Accuracy of Information
We make reasonable efforts to ensure the information on this Site is accurate and current, but we do not guarantee its completeness or accuracy. Mortgage rates, terms, programs, and guidelines are subject to change without notice.
Description of SMS Use Cases
By providing your consent, you may receive recurring text messages related to your mortgage journey, including:
Transactional Updates: Real-time alerts regarding your loan application status, document requests, and milestone achievements.
Informational Alerts: Appointment reminders, rate lock expirations, and closing notifications.
Conversational Messaging: Direct person-to-person communication to answer your specific financing questions.
Third Party/Associates
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Opt-Out Instructions
You may cancel the SMS service at any time. Just text STOP to the number from which you received the message. After you send the SMS message STOP to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time.
Customer Support Contact
If you are experiencing issues with the messaging program, you can reply with the keyword HELP for more assistance, or you can get help directly by calling 757-814-2464 or emailing our support team.
Message & Data Rate Disclosure
Message and data rates may apply for any messages sent to you from us and to us from you. Message frequency varies based on your stage in the loan process. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
Carrier Liability Disclaimer
Carriers (such as AT&T, T-Mobile, Verizon, etc.) are not liable for delayed or undelivered messages. Delivery is subject to the effective transmission from your network operator and processing by your mobile device.
Age Restriction
By opting in, you acknowledge and represent that you are at least 18 years of age and have the legal capacity to enter into this agreement and use the SMS service.
Intellectual Property
All content on this Site, including text, graphics, and logos, is the property of Renea Jones or First Heritage Mortgage, LLC and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or use any content from this Site without prior written permission.
Limitation of Liability
To the fullest extent permitted by law, Renea Jones and First Heritage Mortgage, LLC shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of or inability to use this Site, or from any information obtained through the Site.
Disclaimer of Warranties
This Site is provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding the Site’s operation, availability, or the accuracy of its content.
Equal Opportunity Lender
First Heritage Mortgage, LLC is an Equal Opportunity Lender. All qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, disability, familial status, or any other characteristic protected by law.
Governing Law
These Terms and Conditions are governed by and construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of law provisions.
Changes to These Terms
We reserve the right to update or modify these Terms and Conditions at any time. Changes will be posted on this page with a revised effective date. Your continued use of the Site after any changes constitutes your acceptance of the updated terms.
Privacy Policy
Visit our Privacy Policy section to know more.
Contact Us
If you have questions about these Terms and Conditions, you may contact us at:
Renea Jones, Loan Officer
First Heritage Mortgage, LLC
4551 Cox Road, Suite 305
Glen Allen, VA 23060
Phone: 757-814-2464
Email: rjones@fhmtg.com