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Terms and Conditions

Terms of Use (Last Updated: February 16, 2025) 

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE 

Welcome to the www.YourMilitaryMortgage.com website owned and operated by AAFMAA Mortgage Services LLC (“AMS” or “AAFMAA” or “we” or “us”), a wholly-owned subsidiary of AAFMAA (the American Armed Forces Mutual Aid Association). For more information about AAFMAA, view their About Us, their AAFMAA Privacy Policy and their AAFMAA Terms and Conditions. These Terms and Conditions of Use and all other legal documents incorporated by reference (collectively, the “Terms”) set forth the legal contract between each end user ("User" or "you" or “your”) and us with respect to access to and use of our products and services through our mobile application and website (collectively, the “Site”).

Some of our other sites, applications, products, services and tools may have additional terms that we provide to you when you use those sites, applications, products, services or tools.

PLEASE READ THESE TERMS OF USE AND ANY LINKED INFORMATION (SUCH AS OUR PRIVACY POLICY, WHICH IS INCORPORATED HEREIN BY REFERENCE) CAREFULLY BEFORE USING THIS SITE.

By using this Site and Services, you acknowledge and represent that you (i) have read these Terms, our Disclaimers, our Licensing information, and our Privacy Policy; (ii) understand them; (iii) accept and assent to be bound by them; (iv) are at least 18 years of age or able to form legally binding contracts; and (v) agree to comply with all applicable laws and regulations applicable to you, to the use of the Services, the Site and/or the Internet. If you do not agree to these Terms, please immediately discontinue using the Site and Services.

1. Privacy

In the course of accessing and/or using the Site, the Services and/or the Software, we may obtain information about you or you may be required to provide certain personal information to us. All uses of your personal information will be treated in accordance with our Privacy Policy, which forms an integral part of these Terms. If you use the Services, the Site and/or the Software, and/or if you register for any programs or accounts, you are accepting the terms and conditions of our Privacy Policy, as may be amended from time to time. If you do not agree to have your information used in any of the ways described in the Privacy Policy, you must discontinue use of the Site, the Services and the Software.

2. Communication Consent

By submitting your contact information you agree to these Terms of Use and our Privacy Policy and SMS (Text Messaging) Terms and Conditions. You also expressly consent to having AAFMAA Mortgage Services LLC, or its affiliates or agents, contact you about your inquiry by text message or phone (including automatic telephone dialing system or an artificial or prerecorded voice) to the residential or cellular telephone number you have provided, even if that telephone number is on a corporate, state, or national Do Not Call Registry. You do not have to agree to receive such calls or messages as a condition of getting any services from AAFMAA Mortgage Services LLC or its affiliates. By communicating with us by phone, you consent to calls being recorded and monitored. This express consent applies to each such telephone number that you provide to us now or in the future. Calls and messages may incur access fees from your mobile services provider. If you decide to change your communication preferences or want to opt out of future solicitations, please email AMS at: mortgage@amshomeloans.com or use our Contact Us form.

3. Disclaimer of Warranty

The web sites are provided “as-is” and “with all faults” and, to the maximum extent permitted by applicable law, AAFMAA MORTGAGE SERVICES LLC and site owner disclaims all other representations and warranties, express, implied or statutory, regarding the web sites, including without limitation its fitness for a particular purpose, its quality, its merchant ability, its performance, its non-infringement of third party rights, title, or the results obtained by using the web sites. The company does not warrant that the web sites are free from bugs, viruses, errors or other program limitations. AAFMAA MORTGAGE SERVICES LLC and site owner makes no warranty that (i) the service will meet your requirements, (ii) the service will be uninterrupted, timely, secure, or error-free, (iii) the results that may be obtained from the use of the service will be accurate or reliable, (iv) the quality of any products, services, information, or other material purchased or obtained by you through the service will meet your expectations, and (v) any errors in the software will be corrected. Any material downloaded or otherwise obtained through the service is done at your own discretion and risk and you will be solely responsible for any damage to your computer system or loss of data that results from the download of any such material. No advice or information, whether oral or written, obtained by you from site owner, AAFMAA MORTGAGE SERVICES LLC or through or from AAFMAA MORTGAGE SERVICES LLC services shall create any warranty not expressly stated in the terms of use.

4. Limitation of Liability

Site owner and AAFMAA MORTGAGE SERVICES LLC shall have no liability to you or any other user of such information or to any third party for any loss, expense, or damage, including consequential, incidental, special or punitive damages and including lost profits or lost revenue, caused directly or indirectly by the use or reliance upon such information, any material downloaded or otherwise obtained through the use of the web sites. Use of site owner and AAFMAA MORTGAGE SERVICES LLC web sites is at your own discretion and risk and you will be solely responsible for any damage to your computer system or loss of data that results from the download of any such material. Because some states/jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. If you are dissatisfied with any portion of the AAFMAA MORTGAGE SERVICES LLC web sites, or with any of these terms of use, your sole and exclusive remedy is to discontinue using the web sites.

5. Indemnity

You will indemnify, defend and hold harmless Site Owner and AAFMAA MORTGAGE SERVICES LLC and its officers, directors, employees and agents (each, an “Indemnified Party”) from and against any and all claims, demands, losses, costs, expenses, liabilities and damages of any kind or nature whatsoever (collectively, “Damages”) incurred by any Indemnified Party arising out of, in connection with or resulting from (i) your use of the Web Sites or (ii) your breach of this Agreement.

6. Restrictions on Use of Materials, Copyright, Trademark, and Service Mark Notices

This site is owned and operated by AAFMAA MORTGAGE SERVICES LLC (referred to as “AAFMAA Mortgage Services LLC,” “AAFMAA Mortgage Services,” “AAFMAA Mortgage,” “AMS,” “we,” “us,” or “our” herein). All contents on the website are: Copyright © 2016-2025 AAFMAA Mortgage Services LLC, 2000 Regency Parkway, Suite 140, Cary, NC 27518. The works of authorship contained in this website, including but not limited to all design, text and images, are owned, except as otherwise expressly stated, by AAFMAA Mortgage Services LLC or its licensors. United States and worldwide copyright laws and treaty provisions protect the contents of this site.

No material from the site may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way, except that you may download one copy of the materials on any single computer for your non-commercial use only, provided that you keep intact all copyright and other proprietary notices. Modification of the materials or use of the materials for any other purpose is a violation of AAFMAA Mortgage Services LLC’s copyright and other proprietary rights. The use of any such material on any other Web site or networked computer environment is prohibited. Except as otherwise indicated on this site and except for the trademarks, service marks and trade names of other companies that are displayed on this site, all trademarks, service marks and trade names are proprietary of AAFMAA Mortgage Services LLC (AMS). Specifically, the following are registered and unregistered marks of AMS:

Registered Trademarks

Mortgages. Military Made.®

Unregistered Trademarks

Construction Advantage One℠ Loan
Construction Advantage 80℠
Construction Advantage 95℠
Land Advantage Loan℠
Home Equity Advantage Loan℠
RateLock Advantage℠

In the event that you download any software from the site, the software, including any files, images incorporated in or generated by the software, and data accompanying the software (collectively, the “Software”) are non-exclusively licensed to you by AAFMAA Mortgage Services LLC. AMS does not transfer the title of the Software to you. AMS retains full and complete title to the Software, and all intellectual property rights therein. You may not redistribute, sell, decompile, reverse engineer, disassemble, or otherwise reduce the Software to a human-perceivable form.

The materials in this site are provided “as is” and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable law, AAFMAA MORTGAGE SERVICES LLC disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. AMS does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or other harmful components. AMS does not warrant or make any representations regarding the use or the results of the use of the materials in this site in terms of their correctness, accuracy, reliability, or otherwise. You (and not AAFMAA MORTGAGE SERVICES LLC) assume the entire cost of all necessary servicing, repair, or correction. Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

7. Appropriate Conduct and Prohibited Uses:

You agree that you are responsible for your own conduct and content while using this website, our other sites, applications, products, services and tools, some of which may have additional terms and conditions and collectively referred to as “Website” or “Site” or “Service.” You agree to use the Service only for purposes that are legal, proper and in accordance with these Terms of Use and any applicable policies or guidelines. By way of example, and not as a limitation, you agree that when using the Service, you will not:

  • Copy, reproduce, modify, use, republish, upload, post, publish, license, create derivative works from, transmit or distribute in any way material from the website without express written permission.
  • Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
  • Upload, post, email or transmit or otherwise make available any inappropriate, defamatory, infringing, obscene, or unlawful content.
  • Upload, post, email or transmit or otherwise make available any content that infringes any patent, trademark, copyright, trade secret or other proprietary right of any party, unless you are the owner of the rights or have the permission of the owner to post such content.
  • Upload, post, email or transmit or otherwise make available messages that promote pyramid schemes, chain letters or disruptive commercial messages or advertisements, or anything else prohibited by law, these Terms of Service or any applicable policies or guidelines.
  • Download any file posted by another that you know, or reasonably should know, that cannot be legally distributed in such manner.
  • Impersonate another person or entity, or falsify or delete any author’s attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material.
  • Restrict or inhibit any other user from using and enjoying Site Owner’s and/or AAFMAA Mortgage Services LLC services.
  • Use services for any illegal or unauthorized purpose.
  • Interfere with or disrupt services or servers or networks connected to Site Owner’s and/or AAFMAA Mortgage Services LLC services, or disobey any requirements, procedures, policies or regulations of networks connected to Site Owner’s and/or AAFMAA Mortgage Services LLC services.
  • Use any robot, spider, site search/retrieval application, or other device to retrieve or index any portion of services or collect information about users for any unauthorized purpose.
  • Submit Content that falsely expresses or implies that such Content is sponsored or endorsed by AAFMAA Mortgage Services LLC and/or Site Owner.
  • Create user accounts by automated means or under false or fraudulent pretenses;
  • Transmit any viruses, worms, defects, Trojan horses, or any items of a destructive nature.
  • Redeliver, transfer, or sell any information, software, lists of users, databases or other lists, products, or services provided through or obtained from the Site Owner and/or AAFMAA Mortgage Services LLC Web Sites. This includes among other activities, using “framing”, “scraping”, “screen scraping,” “database scraping”, or any other activity with the purpose of obtaining lists of users or other information and includes any of the pages, text, images or other content of this Web Site technology without express written permission.
  • Soliciting any of the individuals or companies listed on this web site for purposes of selling products or services is prohibited.
  • International users agree to comply with their own local rules regarding online conduct and acceptable content, including laws regulating the export of data to the United States or your country of residence.

8. Rates and Mortgage Tools

Mortgage calculators and interest rate tables and information are provided as tools for users of the website to educate and provide examples. These are calculation tools, not an offer to lend. Interest rates shown are for demonstration purposes only. Actual market interest rates may vary. The Site Owner cannot guarantee the accuracy of published rates.

9. Market Volatility

Site Owner is not liable for changes in the market that change buyer/seller conditions.

10. Activity Restriction

Site use is restricted to real estate mortgage activities.

11. Website Security

You are prohibited from violating or attempting to violate the security of the Website, including, without limitation, (a) accessing data not intended for your viewing or logging into a server or account which you are not authorized to access, (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization or (c) attempting to interfere with service to any user, host or network. Violations of system or network security may result in civil or criminal liability. AAFMAA Mortgage Services LLC, the Site Owner, will investigate occurrences that may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations.

12. Governing Law

All claims, disputes or disagreements which may arise out of the interpretation, performance or in any way relating to your use of this site and any and all other AAFMAA Mortgage Services LLC site(s), shall be submitted exclusively to the jurisdiction of the state or federal courts located in the State of North Carolina. Use of the Web Sites is unauthorized in any jurisdiction that does not give the effect to all provisions of these terms and conditions, including without limitation this paragraph.