Terms and Conditions

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Effective Date: September 5, 2026

These Terms and Conditions ("Terms") govern your use of audreylovell.com (the "Site") and any related services provided by Audrey Colbert-Lovell, mortgage loan consultant with MVM Group powered by AnnieMac Home Mortgage (NMLS #338923), individual NMLS #329047 ("we," "us," or "our"). By using the Site or submitting information through any form, you agree to these Terms.

Nature of Services

The Site provides general information about mortgage loan products, educational resources, and a means to contact us to inquire about mortgage financing. Information on the Site is not an offer to lend or a commitment to lend and does not constitute financial, tax, or legal advice. All loans are subject to credit approval, underwriting, and program guidelines. Rates, terms, and program availability may change without notice.

Regulatory Notices

Audrey Colbert-Lovell is a licensed mortgage loan originator (NMLS #329047) sponsored by AnnieMac Home Mortgage (NMLS #338923). Equal Housing Lender. Consumers may verify licensing at www.nmlsconsumeraccess.org.

Use of the Site

You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use of the Site. You may not attempt to gain unauthorized access to any portion of the Site or its underlying systems.

Text Messaging Terms

By opting in to receive text messages from Audrey Colbert-Lovell of MVM Group powered by AnnieMac Home Mortgage, you agree to receive SMS messages related to mortgage inquiries, loan status updates, appointment reminders, promotional offers, and general communications from us. Message frequency varies. Message and data rates may apply. Reply HELP for help or STOP to unsubscribe at any time. Carriers are not liable for delayed or undelivered messages. Consent to receive text messages is not a condition of any loan application or purchase of any service.

Intellectual Property

All content on the Site, including text, graphics, logos, and images, is the property of Audrey Colbert-Lovell or her licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on the Site without prior written permission.

Third-Party Links

The Site may contain links to third-party websites. We are not responsible for the content, privacy practices, or accuracy of any third-party site.

Disclaimer of Warranties

The Site and all information on it are provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free from harmful components.

Limitation of Liability

To the fullest extent permitted by law, Audrey Colbert-Lovell, MVM Group, and AnnieMac Home Mortgage shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of the Site.

Governing Law

These Terms are governed by the laws of the State of Florida, without regard to its conflict of laws principles. Any dispute arising out of these Terms shall be resolved in the state or federal courts located in Collier County, Florida.

Changes to These Terms

We may update these Terms from time to time. The Effective Date above reflects the most recent version. Continued use of the Site after changes are posted constitutes acceptance of the updated Terms.

Contact

Audrey Colbert-Lovell

MVM Group powered by AnnieMac Home Mortgage

3435 Pine Ridge Road, Unit 101

Naples, FL 34109

Phone: 239-323-3323

Email: AudreyL@mvmgrp.com

NMLS #329047 (Individual) | NMLS #338923 (AnnieMac)

Equal Housing Lender