Terms of use & text message terms

This website, callkareme.com, is run by Kareme Shorter, Mortgage Loan Originator (NMLS #1722684), sponsored by Ascension Mortgage (Branch NMLS #2511500). By using the site you agree to these terms. Questions? Call or text (954) 913-7865.

Using this website

• The content here, including the calculators, guides, condo information and market notes, is general information for educational purposes. It may not reflect your situation, and rates, programs and guidelines change often.
• Not a commitment to lend. Nothing on this site is a commitment to lend, a loan approval, a rate lock or an offer of credit. All loans are subject to credit approval, underwriting guidelines, property eligibility and program availability.
• Not legal, tax or financial advice. Nothing on this site is legal, tax or investment advice. For those questions, talk with an attorney, CPA or other qualified professional.
• Calculator results are estimates based on what you enter and on assumptions that may not apply to you. Your actual payment, costs and terms will be in your official loan disclosures.
• Residential mortgage loans are offered in Florida only. Commercial and non-QM business-purpose financing may be available in other states where permitted; licensing varies by state.
• Links to other websites, such as the booking page, the loan application portal and government or program sites, are provided for convenience. Those sites have their own terms and privacy policies.
• Please use the forms only to send your own accurate information, and don't send Social Security numbers, dates of birth or account numbers through them.
• The site's text and design belong to Kareme Shorter unless noted. You're welcome to share links and print pages for personal use.

Text message (SMS) program

• Program name: Kareme Shorter, Ascension Mortgage texts.
• What you'll receive: follow-up on your inquiry or request, appointment confirmations and reminders, and status updates on your loan while it's in process (for example documents needed, appraisal, underwriting and closing).
• How you join: by checking the optional text-message consent box on a form on this site or on my online inquiry and booking forms, or by asking me to text you. Consent is not a condition of any purchase or loan.
• Message frequency varies.
• Message and data rates may apply.
• To stop: reply STOP to cancel at any time. You'll get one message confirming you've opted out, and no more texts after that unless you opt in again.
• For help: reply HELP, call or text (954) 913-7865, or visit callkareme.com.
• Carriers are not liable for delayed or undelivered messages.
• Text-messaging opt-in data and consent are never shared with third parties. See the Privacy Policy for how your information is handled.

Licensing

Kareme Shorter, Mortgage Loan Originator, NMLS #1722684. Ascension Mortgage, Branch NMLS #2511500. Equal Housing Opportunity. Verify licensing at NMLS Consumer Access.

Changes

If these terms change, the updated version will be posted here with a new effective date.

Effective October 2026.