Plain talk before the fine print.
Buying or refinancing a home is a big deal, and I want it to feel straightforward. This page spells out how this website works and the ground rules for reaching out. Read the parts that matter to you, ask me anything that is unclear, and let's get you moving toward your goal.
Terms & Conditions
Effective Date: July 17, 2026 | Last Updated: July 17, 2026
1. General
1.1 These Terms & Conditions ("Terms") govern your use of this website and your communications with Mortgages by Dawn ("Mortgages by Dawn," "we," "us," or "our"). By using this website, submitting an inquiry, or otherwise contacting us, you ("you") agree to these Terms.
1.2 Updates. We may update these Terms from time to time. The current version is posted here with its effective date. Continued use after changes are posted means you accept the updated Terms.
1.3 Age & Capacity. You must be at least 18 years of age and legally able to enter into an agreement to use this website or apply for a loan.
2. Nature of Services
2.1 Mortgages by Dawn provides residential mortgage origination services, helping homebuyers and homeowners explore and apply for home financing, including purchase loans, refinances, and government-backed and conventional loan programs.
2.2 Informational Website. The content on this website is provided for general information. Loan programs, guidelines, and availability are set by lenders and investors and are subject to change at any time.
3. Not a Commitment to Lend
3.1 Nothing on this website is an offer or commitment to lend, a pre-approval, a loan approval, or a rate lock. No loan is approved, and no rate or term is binding, until you receive a written commitment and executed loan documents, subject to all conditions being met.
3.2 All loans are subject to application, credit review, income and asset verification, property appraisal, title review, insurance, and applicable program guidelines. Not all applicants will qualify. Loan approval and terms depend on your individual circumstances and are determined by the lender.
4. No Financial, Legal, or Tax Advice
Information on this website and in our communications is general in nature and is not financial, legal, accounting, or tax advice. You should consult your own qualified professionals before making decisions about a home purchase, refinance, or any loan.
5. Equal Housing & Fair Lending
5.1 Mortgages by Dawn is committed to the letter and spirit of U.S. policy for the achievement of equal housing opportunity. We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act.
5.2 We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age, disability, familial status, receipt of public assistance, or the good-faith exercise of rights under the Consumer Credit Protection Act.
6. Licensing & Identification
6.1 Mortgages by Dawn is the marketing brand of Dawn Futch (NMLS #2090515), a residential mortgage loan originator with Crystal Clear Mortgage (NMLS #270528), licensed to originate residential mortgage loans in the states where she is authorized to do business. Licensing information can be verified through the Nationwide Multistate Licensing System (NMLS) Consumer Access site.
6.2 We do not solicit, take applications for, or originate loans in states where we are not licensed or exempt from licensing.
7. Inquiries & Applications
7.1 Submitting a form or contacting us is an inquiry, not a loan application. A formal application begins only when you provide the information required for an application and expressly ask to proceed.
7.2 We reserve the right to decline to work with any prospective applicant to the extent permitted by applicable fair-lending law, for legitimate business reasons unrelated to any protected characteristic.
8. Accuracy of Information
Any information you provide must be true, complete, and accurate. Providing false or misleading information in connection with a mortgage application may carry serious legal consequences. You are responsible for the accuracy of what you submit.
9. Rates, Terms & Estimates
9.1 Any rate, payment, or cost figure discussed before a formal application and lock is an estimate for illustration only. Interest rates and program terms change frequently and depend on market conditions, the property, and your qualifications.
9.2 The Annual Percentage Rate (APR), final rate, points, fees, and monthly payment for any loan are disclosed in the loan estimate and closing disclosures required by law. Those documents govern, not this website.
10. Third-Party Information
Appraisals, credit reports, title work, insurance quotes, and similar items come from independent third parties. We rely on that information but do not warrant its accuracy. This website may link to third-party resources whose content and privacy practices we do not control.
11. Communications & Electronic Consent
11.1 By contacting us, you consent to receive communications from Mortgages by Dawn electronically, including by email and, where you have provided a number, by phone and text message related to your inquiry and any loan you pursue.
11.2 E-Sign. You consent to the use of electronic signatures and electronic delivery of documents and disclosures to the extent permitted by the federal E-SIGN Act and applicable state law. You may withdraw this consent in writing, though doing so may limit our ability to serve you online.
12. Text Messaging
If you opt in to text messages, message frequency varies and standard message and data rates may apply. You can reply STOP at any time to opt out, or HELP for help. Opting out of texts does not affect your loan or your ability to reach us by phone or email. We do not share your phone number with third parties for their own marketing.
13. Privacy & Data
13.1 We collect only the information needed to respond to your inquiry, evaluate a loan, and comply with applicable law. We do not sell your personal information.
13.2 We share information only as needed to process and close your loan (for example, with the lender, credit bureaus, appraisers, title and settlement providers, and insurers), with our own advisors under confidentiality, and with authorities when required by law.
13.3 We retain records for the periods required by law and prudent business practice.
14. Security & Wire Fraud
14.1 We use commercially reasonable safeguards to protect your information, but no method of transmission is completely secure. Please do not send full Social Security numbers or account numbers by unencrypted email. Ask us for a secure way to send sensitive documents.
14.2 Wire Fraud Warning. Real estate wire fraud is real and costly. Always verify wire and payment instructions by calling a known, trusted phone number, never a number sent by email. Treat any last-minute change to wire instructions as suspicious until you confirm it by phone.
15. Intellectual Property
The Mortgages by Dawn name, this website, and its content are our property or used with permission. You may view the content for your personal, non-commercial use. You may not copy, reproduce, or redistribute it without written permission.
16. Limitation of Liability
16.1 As-Is. This website is provided on an "as is" and "as available" basis without warranties of any kind, whether express, implied, or statutory, including warranties of accuracy, merchantability, fitness for a particular purpose, or uninterrupted availability.
16.2 No Consequential Damages. To the maximum extent permitted by law, Mortgages by Dawn is not liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of this website. Nothing in these Terms limits any right you may have under the loan documents you ultimately sign, which are governed by their own terms and by applicable law.
17. Indemnification
You agree to hold harmless Mortgages by Dawn from third-party claims arising from your misuse of this website, your violation of these Terms, or your submission of false or misleading information, to the extent permitted by law.
18. Dispute Resolution
18.1 Before starting any formal proceeding, the parties agree to try in good faith to resolve any dispute by direct communication for at least thirty (30) days.
18.2 Any dispute-resolution or arbitration terms specific to a loan are set out in that loan's own documents, which control for disputes arising under those documents. Nothing in these Terms waives any right you have under applicable consumer-protection law.
19. Governing Law
These Terms are governed by the laws of the state in which Mortgages by Dawn is licensed and principally located, without regard to conflict-of-laws principles, except where federal law or the law of the state where the subject property is located applies to a particular loan.
20. Miscellaneous
20.1 Entire Agreement. These Terms, together with any signed disclosures and loan documents, are the entire agreement on their subject matter and supersede prior discussions.
20.2 Severability. If any provision is held invalid, the rest remains in full force and effect.
20.3 No Waiver. Failure to enforce a provision is not a waiver of the right to enforce it later.
20.4 Survival. Provisions that by their nature should survive, including limitation of liability, indemnification, privacy, and governing law, survive.
21. Contact
Questions about these Terms or anything else? Reach out:
Mortgages by Dawn
Dawn Futch NMLS #2090515 · Crystal Clear Mortgage NMLS #270528
Email: dawn@crystalclearmortgage.com
Equal Housing Opportunity / Equal Housing Lender