Legal
The terms that govern your use of this website and your communications with Tampa Mortgage Man.
Welcome to Tampa Mortgage Man! By accessing tampamortgageman.com, you accept these terms and conditions in full. Do not continue to use this website if you do not agree to all of the terms stated on this page.
This website is operated by Raymond J Rivera JR, doing business as Tampa Mortgage Man, a licensed Mortgage Loan Originator in the State of Florida, NMLS #2639249.
Nothing on this website is a loan approval, a commitment to lend, or an offer to enter into an interest-rate lock agreement. Loan programs, rates, terms, and conditions shown here are for general informational purposes, are subject to change without notice, and may not be available in your situation.
All loans are subject to credit approval, income and asset verification, satisfactory appraisal, title review, and underwriting approval by the lender. Not all applicants will qualify. Actual rates and terms depend on your credit profile, loan amount, property type, occupancy, loan-to-value ratio, and other factors.
Raymond J Rivera JR is licensed as a Mortgage Loan Originator in the State of Florida and originates loans through a sponsoring lender, NMLS #2532931. We cannot originate loans on properties located in states where we are not licensed. Licensing may be verified at NMLS Consumer Access.
Equal Housing Lender. We do business in accordance with the Federal Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, marital status, age, or because any part of your income comes from a public assistance program.
Content on this website is general information about mortgage products — not legal, tax, accounting, financial, or investment advice. Mortgage decisions carry long-term financial consequences. Consult a qualified attorney, tax professional, or financial advisor about your specific circumstances before making a decision.
We work to keep this website accurate and current, but we make no warranty that it is complete, accurate, or up to date. Rates, programs, and guidelines change frequently and often without notice. Any figures, calculators, or examples shown are illustrative estimates only — they are not quotes, do not include all applicable costs, and should not be relied on as the actual terms of any loan.
By accessing this website, you agree to use cookies in accordance with our Privacy Policy. Most interactive websites use cookies to retrieve user details for each visit.
Unless otherwise stated, Tampa Mortgage Man and/or its licensors own the intellectual property rights for all material on this website. All rights are reserved. You may access content for your own personal use, subject to the restrictions in these terms. You must not republish, sell, reproduce, duplicate, copy, or redistribute content from this website.
We shall not be held responsible for any content that appears on your website that links to ours. No link should appear on any website that may be interpreted as libelous, obscene, or criminal, or which infringes or violates any third-party rights.
By opting in, you agree to receive SMS notifications and alerts from Tampa Mortgage Man, including appointment confirmations, reminders, and service-related updates. You may also receive occasional marketing or promotional messages.
You can cancel the SMS service at any time by texting STOP. For assistance, reply HELP. Carriers are not liable for delayed or undelivered messages. Message and data rates may apply. Message frequency varies. Contact your wireless provider for questions about your plan.
Consent to receive text messages is not a condition of obtaining any loan, product, or service. For privacy-related inquiries, refer to our Privacy Policy.
By opting into Tampa Mortgage Man's SMS services, you acknowledge and agree that you are at least 18 years of age or have reached the age of majority in your jurisdiction.
By using this website or contacting us, you consent to receive communications from us electronically, and you agree that electronic communications, disclosures, and agreements satisfy any legal requirement that they be in writing.
You agree not to use this website to submit false or misleading information; to impersonate another person; to attempt to gain unauthorized access to any system; to interfere with the site's operation; to use automated tools to scrape or harvest data; or to use the site for any unlawful purpose.
Knowingly providing false information on a mortgage application is a federal crime punishable by fine, imprisonment, or both, under Title 18, United States Code, Section 1014. All information you provide in connection with a loan application must be true, complete, and accurate.
This website links to and embeds third-party services, including scheduling, mapping, chat, and analytics tools. We do not control those services and are not responsible for their content, availability, or practices. A link does not imply endorsement.
To the maximum extent permitted by applicable law, we exclude all representations, warranties, and conditions relating to our website and the use of this website. This website is provided on an "as is" and "as available" basis. As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.
To the fullest extent permitted by law, Tampa Mortgage Man and Raymond J Rivera JR will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or goodwill, arising from your use of or inability to use this website — even if we have been advised of the possibility of such damages. Some jurisdictions do not allow these limitations, so they may not apply to you. Nothing here limits any liability that cannot be limited under applicable law.
You agree to indemnify and hold harmless Tampa Mortgage Man and Raymond J Rivera JR from any claims, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of this website, your violation of these Terms, or your violation of any law or third-party right.
These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law rules. Any dispute arising from these Terms or your use of this website will be brought exclusively in the state or federal courts located in Florida, and you consent to the jurisdiction of those courts.
If any provision of these Terms is found unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will stay in full force.
We reserve the right to amend these terms and conditions and our linking policy at any time. By continuously using this website, you agree to be bound by the current terms.
Tampa Mortgage Man · Raymond J Rivera JR
Licensed Mortgage Loan Originator · State of Florida · NMLS #2639249
9733 Jasmine Brook Circle, Land O Lakes, FL 34638
Phone: 813-696-1271 · Email: [email protected]