At Homestead, we pride ourselves on being a hassle-free source for mortgage lending. Our no-call approach has allowed us to better serve our clients the way they choose to do business—in most cases, through text and email.
In January 2025, the Federal Communications Commission (FCC) announced a major update that took effect with new consent requirements for one-to-one communications. Previously, businesses could rely on implied consent or broad terms and conditions for contacting consumers, but the new regulation narrows these conditions, ensuring that consent is specific and individualized for each communication channel. These changes are part of the Telephone Consumer Protection Act (TCPA) and are designed to enhance consumer privacy and control over how they are contacted by businesses, specifically focusing on text messages and phone calls.
What This Change Means for Consumers
Have you ever signed up for a texting service to get a coupon and been asked to opt-in via text? Well, industries and businesses must now obtain explicit consent from consumers before contacting you. With these new rules, consumers will have the final say in how companies can contact them, reducing the likelihood of unsolicited marketing or spam messages. Phone providers like T-Mobile and AT&T have produced roadmaps and guides to help crack down on unsolicited spam messages that you receive.
Our Plan of Action
This shift means adapting to a more stringent consent process for our customer communication. We must obtain consent in a traceable and documented way for each consumer interaction. Homestead has updated its consent practices to ensure we comply with this new rule while continuing to serve our clients in the best, most convenient ways possible.
After completing any online form inquiring about services, our customers will receive a text requiring an opt-in response before our team will be able to provide more information regarding our mortgage services and programs.
Why These Changes Matter for You
These changes put consumers in control, ensuring they only receive the messages they want while reducing unwanted marketing or spam. But staying connected is still important—especially when you need assistance or information. To make sure you don’t miss out, simply respond to our opt-in prompt when we follow up on your inquiry. A quick “OK” is all it takes to keep the conversation going and ensure you get the support and details you need. We’re here to help—let’s stay connected!
Your Privacy and Mortgage Journey Matter
Our customers are a priority, and their privacy is important to us. We ensure that all our employees, especially those involved in consumer outreach, understand and follow the new consent guidelines. At Homestead, we will continue being the best lending partner possible, providing excellent service and hands-on guidance to all our customers.
At Homestead Financial Mortgage, we respect your digital privacy and your right to choose how you communicate with us. We understand that your personal and financial information is sensitive, and as a mortgage company, we take every precaution to protect it. That’s why we are committed to maintaining the highest standards of security and compliance with all applicable laws, including these new consent guidelines. We never sell your information to third parties, and our policies are designed to ensure that your data is used only to assist you in your home financing journey. You can always review our Privacy Policy to learn more about how we safeguard your information.
Beyond protecting your privacy, we also strive to provide exceptional service. Our team is dedicated to responding quickly, ensuring you get the information and support you need when you need it. Whether you have a question about your mortgage options or need guidance through the process, we are here to help. And if you’re curious about what other customers have to say about working with us, we invite you to explore their experiences and reviews. We’re proud of the trust our clients place in us, and we look forward to helping you with the same level of care and expertise.