Terms & Conditions

General Terms & Conditions

Loans are subject to credit approval. For real estate mortgage professionals only. Not intended for distribution to consumers or other third parties.

Windsor Mortgage is a service provided by Plains Commerce Bank. NMLS #463950. Equal Housing Lender. Member FDIC.

Adjustable-Rate Mortgage Disclosures

Click on the button below to view the disclosures for the following Adjustable-Rate Mortgages:

• 3/6 mo. 30-day Average SOFR Non-Convertible ARM
• 5/6 mo. 30-day Average SOFR Non-Convertible ARM
• 7/6 mo. 30-day Average SOFR Non-Convertible ARM
• 10/6 mo. 30-day Average SOFR Non-Convertible ARM

Bridge Loan Terms & Conditions

For more information, contact your Windsor Representative. Windsor Mortgage is a service provided by Plains Commerce Bank. NMLS #463950.

*Bridge loans are not available in all states. Other restrictions and limitations may apply and rates are subject to change. Rates, terms and conditions along with underwriting are subject to change. All credit and loan programs are subject to credit approval.

**Renewal must be completed prior to maturity.

***Exceptions may be approved on case-by-case basis – contact your Account Executive to inquire on a specific scenario.

****For loans at $400,000 or more, the borrower will have to pay for a full 3rd party appraisal and allow for more time needed for the process.

Giveback Program Terms & Conditions

View official 2023 terms and conditions (PDF).

Windsor Mortgage Text Messaging Terms and Conditions

Effective date: 06/20/2024

By opting in to receive text messages from Windsor Mortgage or our subsidiaries or affiliates (hereinafter, “We,” “Us,” “Our”) (the “Service”), you agree to these Text Messaging Terms and Conditions (the “Agreement”). Your participation in the Service is also subject to our Privacy Policy which is expressly incorporated by reference herein. This Agreement is not intended to modify other Terms and Conditions or Privacy Policy that may govern the relationship between you and Us in other contexts.

OUR TERMS AND CONDITIONS OF USE REQUIRE YOU TO RESOLVE DISPUTES WITH US ON AN INDIVIDUAL BASIS AND NOT AS A PART OF ANY CLASS OR REPRESENTATIVE ACTION, WAIVE YOUR RIGHT TO A TRIAL BY JURY AND REQUIRE CLAIMS TO BE RESOLVED THROUGH FINAL AND BINDING ARBITRATION. IF YOU DO NOT AGREE TO OUR TERMS AND CONDITIONS, YOU MAY NOT PARTICIPATE IN THE SERVICE.

Providing Telephone Numbers and Duty to Notify: You verify that the mobile number provided to Us is true and accurate. You verify that you are the current subscriber or owner of any telephone number that you provide. Should any of your contact information change, including ownership of your telephone numbers, you agree to immediately notify us before the change goes into effect by emailing us at clientadmin@windsormortgage.com.

Your Consent to Receive Automated Calls/Texts: You acknowledge that by voluntarily providing your telephone number(s), you expressly agree to receive recurring automated text messages (such as SMS, MMS, or successor protocols or technologies) from Us concerning Our products, services, offers, promotions, and transactions, as well as your relationship with Us. You understand that consent is not required to make any purchase from Us. Message and data rates may apply.

Opt Out Instructions: Your consent to receive automated texts is completely voluntary. You may opt-out at any time. To opt out of text messages, reply STOP to any mobile message from Us, email clientadmin@windsormortgage.com, or call (844) 487-2587 and specify that you want to opt out of text messages. You may also text HELP, email us at clientadmin@windsormortgage.com, or call (844) 487-2587 for help. You acknowledge and agree to accept a final text message confirming your opt-out.

Indemnification to Us: You agree to indemnify Us for any privacy, tort, or other claims, including claims under the Federal Telephone Consumer Protection Act or any state law equivalents, including claims relating to your voluntary provision of a telephone number that is not owned by you and/or your failure to notify us of any changes in your mobile telephone number. You agree to indemnify, defend, and hold us harmless from and against any and all such claims, losses, liability, costs and expenses (including reasonable attorneys’ fees).

Participation Requirements: By participating in the Service, you acknowledge and agree that you are eighteen (18) years of age or older. You must have a wireless device of your own, capable of two-way messaging, be using a participating wireless carrier, and be a wireless service subscriber with text messaging service. Not all cellular phone providers carry the necessary service to participate. Check your phone capabilities for specific text messaging instructions.

Miscellaneous: You warrant and represent to Us that you have all necessary rights, power, and authority to agree to these Terms and perform your obligations hereunder, and nothing contained in this Agreement or in the performance of such obligations will place you in breach of any other contract or obligation. If any provision of this Agreement is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that this Agreement will otherwise remain in full force and effect and enforceable. We reserve the right to change this Agreement from time to time. Any updates to this Agreement shall be communicated to you. You acknowledge your responsibility to review this Agreement from time to time and to be aware of any such changes. By continuing to participate in the Service after any such changes, you accept this Agreement, as modified.

Carriers are not liable for delayed or undelivered messages. Windsor Mortgage SMS and MMS programs are available on the following carriers: AT&T, Sprint, T-Mobile, Verizon Wireless, and others.