Terms of Use
Effective Date: March 20, 2026
Last Updated: March 20, 2026
Welcome to 1st-capitalgroup.com (the “Site”), operated by 1st Capital Group, a DBA of GFL Capital Mortgage, Inc. (NMLS #64367) (“we,” “us,” or “our”). By accessing or using this Site, you agree to be bound by these Terms of Use. If you do not agree with these terms, please do not use the Site.
Use of the Site
This Site is provided for informational purposes and to facilitate mortgage inquiries. You agree to use the Site only for lawful purposes and in accordance with these Terms. You may not use the Site in any way that could damage, disable, or impair the Site or interfere with any other party’s use of the Site.
Mortgage Information Disclaimer
The information provided on this Site, including mortgage rates, loan programs, and payment estimates, is for informational purposes only and does not constitute a loan offer, commitment to lend, or guarantee of any specific rate or terms. All loans are subject to credit approval, underwriting guidelines, and applicable regulations. Actual rates, fees, and terms may vary based on your individual circumstances.
Forms and Personal Information
When you submit information through our inquiry or application forms, you represent that the information provided is accurate and complete to the best of your knowledge. We collect and use your personal information in accordance with our Privacy Policy.
SMS/Text Messaging Terms
By opting in to receive text messages from 1st Capital Group, you agree to the following:
You consent to receive text messages from 1st Capital Group / GFL Capital Mortgage, Inc (NMLS #64367) at the phone number you provided regarding your mortgage inquiry. Messages may include confirmation of your inquiry, application status updates, and appointment reminders.
Message frequency varies, typically 1–3 messages per inquiry. Message and data rates may apply. Your consent to receive text messages is not a condition of purchase or submitting a mortgage inquiry. You may opt out at any time by replying STOP to any message. For help, reply HELP or contact us at [email protected] or 954-300-1287.
We will never sell, share, or rent your phone number to third parties for marketing purposes. See our Privacy Policy for full details on how we handle your information.
Sample Messages
Below are examples of the types of text messages you may receive from 1st Capital Group:
Example 1: “Hi [Name], thank you for your mortgage inquiry with 1st Capital Group! A licensed loan officer will be reviewing your details and reaching out shortly. Reply STOP to opt out.”
Example 2: “Hi [Name], this is Nick from 1st Capital Group. I have reviewed your mortgage pre-qualification request and have some great options for you. When is a good time to connect? Reply STOP to opt out.”
Example 3: “Reminder: Your mortgage consultation with 1st Capital Group is scheduled for [date/time]. Please reply YES to confirm or call us at 954-300-1287 to reschedule. Reply STOP to opt out.”
Intellectual Property
All content on this Site, including text, graphics, logos, and software, is the property of 1st Capital Group or its licensors and is protected by copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on this Site without our prior written consent.
Limitation of Liability
To the maximum extent permitted by law, 1st Capital Group and its officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site, including but not limited to errors or omissions in content, loss of data, or any decisions made based on information provided on the Site.
Equal Housing Lender
1st Capital Group / GFL Capital Mortgage, Inc. is an Equal Housing Lender. We are committed to providing equal access to mortgage services regardless of race, color, religion, national origin, sex, disability, or familial status, in accordance with the Fair Housing Act and the Equal Credit Opportunity Act.
Changes to These Terms
We may update these Terms of Use from time to time. Any changes will be posted on this page with an updated effective date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised terms.
Contact Us
If you have questions about these Terms of Use, please contact us at:
1st Capital Group (DBA of GFL Capital Mortgage, Inc.)
NMLS #64367
Email: [email protected]
Phone: 954-300-1287