SMS Terms

In plain English

The SMS terms explain optional text-message follow-up for mortgage inquiries, opt-out language, and consent choices.

Before you decide

SMS consent is optional and is not a condition of purchase.
You can reply STOP to opt out and HELP for help.
Message frequency varies and message/data rates may apply.

Optional SMS Follow-Up

If you check the optional SMS consent box, Nick Cunningham and Golden Bay Mortgage Group may send text messages related to your submitted mortgage inquiry. Message frequency varies. Message and data rates may apply.

Opt Out And Help

You can reply STOP to opt out of text messages or HELP for help. Consent to receive text messages is not a condition of purchase.

How Your SMS Choice May Be Saved

If you choose SMS follow-up, the site may save that choice with your question so your opt-in and opt-out preferences can be honored.

Questions

For questions about SMS consent or opt-out requests, use the contact information listed on this site.

Keep reading

Privacy Policy

This privacy policy explains what you may share through the site's mortgage question forms, how that information may be used, and what you should not send.

Licensing and Disclosures

Before sharing personal mortgage information, you should be able to verify licensing, company information, Equal Housing language, and the limits of educational content.

Nick Cunningham, California Mortgage Advisor

Nick Cunningham is a California mortgage advisor focused on reverse mortgage, HELOC, purchase, refinance, and home-equity education, with NMLS #907393 shown for verification.

Where this information comes from

Twilio Messaging Policy

Twilio - service-policy

https://www.twilio.com/en-us/legal/messaging-policy

NMLS Consumer Access

NMLS - official

https://www.nmlsconsumeraccess.org/

Reviewed by Nick Cunningham, NMLS #907393. Last reviewed 2026-06-08.

Educational information only. Not personal financial, legal, tax, or benefits advice.