Effective Date: June 19, 2025
Thank you for visiting our site. In this Terms & Conditions of Use Agreement, “we”, “our” or “us” refers to Ivan Duarte, The Mortgage Architect, MortgageArchitect, LLC (our marketing company), VP of Lending with The ROC Mortgage Group, operating in partnership with CrossCountry Mortgage, LLC (NMLS #3029), and its affiliates, including CrossCountry Home and Auto Insurance Agency, LLC (“CCHA”) (NMLS #3029). MortgageArchitect, LLC and Ivan Duarte provide mortgage services and use of this website to you subject to the following terms and conditions.
PLEASE READ THE ENTIRE TERMS & CONDITIONS OF USE CAREFULLY BEFORE YOU USE ANY PART OF THIS WEBSITE. IF YOU DO NOT AGREE TO ALL THE TERMS & CONDITIONS SET FORTH HEREIN YOU MAY NOT USE THIS WEBSITE OR ANY OF ITS FEATURES OR SERVICES. BY USING THIS WEBSITE OR ITS FEATURES OR SERVICES, YOU ARE DEEMED TO HAVE ACCEPTED THESE TERMS & CONDITIONS OF USE IN THEIR ENTIRETY.
YOU MUST BE A U.S. RESIDENT AND BE AT LEAST 18 YEARS OLD TO USE THIS WEBSITE OR ANY OF ITS FEATURES OR SERVICES.
By proceeding, I am consenting to receive phone calls, SMS (text messages) and emails from Ivan Duarte, The Mortgage Architect, MortgageArchitect, LLC, The ROC Mortgage Group, and CrossCountry Mortgage, LLC. I expressly consent to be contacted by these entities or their agents on a recurring basis at the phone number and/or email address I provided regarding products or services via live, automated or prerecorded phone calls, SMS (text messages) or email. I understand that my telephone company may impose charges on me for these contacts, and that I am not required to sign this agreement as a condition of purchase of property, goods, or services. I understand that I may cancel this consent at any time. Reply STOP to cancel, HELP for help. Msg & data rates may apply. Msg freq. varies.
By submitting information to MortgageArchitect, LLC or Ivan Duarte through this website or otherwise you are making an inquiry as to lending and/or insurance programs and services and give us permission to contact you through Email, fax, or telephone, or any means, even if your phone number is on a “Do Not Call” list.
Ivan Duarte, The Mortgage Architect, through MortgageArchitect, LLC, operates this website in partnership with The ROC Mortgage Group and CrossCountry Mortgage, LLC, which is an online mortgage services company that provides detailed information on mortgage loans and homeowners and automobile insurance coverage through its affiliate, CrossCountry Home and Auto Insurance Agency, LLC. We provide a secure online inquiry and application process, with bank grade security SSL certificates with extended validation and encrypted databases, for the transfer of loan and insurance application documents, instructions and messages back and forth between authorized signing agents, lenders and approved users. MortgageArchitect, LLC requires visitors to create an online account and profile in order to request or use such services.
With the combination of services provided by MortgageArchitect, LLC, Ivan Duarte, The ROC Mortgage Group, and CrossCountry Mortgage, LLC, we are able to provide our clients with not just a national solution but a national competitive advantage for all your mortgage lending and homeowners and automobile insurance needs.
By visiting this website you are licensed to use the Content only for the purpose of requesting services on this site. The downloading of the whole or significant portions of any content or database is strictly prohibited. Resale of any Content or database or portion thereof, is also prohibited. Violation of this License Agreement may result in legal action being taken against you.
You acknowledge and agree that this website contains information, data, software, photographs, graphics, text, images, logos, icons, typefaces, audio and video material, and/or other material (collectively referred to as “Content”) protected by copyrights, trademarks, patents, service marks, or other proprietary rights, and that these rights are valid and protected in all forms, media, and technologies existing now or hereinafter developed.
All Content displayed on this site and all software, data and information used to create this site and the Content, including text and images, method of display and presentation, source code, embedded routines and programs and other materials, as well as all copyrights, trademarks, service marks, patents and other intellectual property rights, or proprietary rights therein or thereto, are owned by MortgageArchitect, LLC, Ivan Duarte, our affiliates, suppliers or licensors, and are protected under U.S. and international copyright, trademark and other applicable laws and treaties including international trade and export laws.
YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
YOUR USE OF THE SITE IS AT YOUR SOLE RISK. THE SITE IS PROVIDED BY MORTGAGEARCHITECT, LLC AND IVAN DUARTE ON AN “AS IS” AND ON AN “AS AVAILABLE” BASIS ONLY. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, MORTGAGEARCHITECT, LLC AND IVAN DUARTE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, REGARDING THE USE OR THE RESULTS OF THIS WEB SITE IN TERMS OF ITS CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. MORTGAGEARCHITECT, LLC AND IVAN DUARTE SHALL HAVE NO LIABILITY FOR ANY INTERRUPTIONS IN THE USE OF THIS WEBSITE.
THE MATERIAL AVAILABLE THROUGH THIS SITE IS FOR INFORMATIONAL PURPOSES ONLY. BEFORE YOU ACT ON ANY INFORMATION YOU’VE FOUND ON THIS SITE, YOU SHOULD INDEPENDENTLY CONFIRM ANY FACTS THAT ARE IMPORTANT TO YOUR DECISION. IF YOU RELY ON ANY INFORMATION OR SERVICE AVAILABLE THROUGH THIS SITE, YOU EXPRESSLY AGREE THAT YOU DO SO AT YOUR OWN RISK.
MORTGAGEARCHITECT, LLC AND IVAN DUARTE DISCLAIM ALL WARRANTIES WITH REGARD TO THE INFORMATION PROVIDED, INCLUDING THE IMPLIED WARRANTY OF MERCHANTABILITY, IMPLIED WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE, AND IMPLIED WARRANTY OF NON-INFRINGEMENT.
MORTGAGEARCHITECT, LLC AND IVAN DUARTE SHALL NOT BE LIABLE FOR ANY DAMAGES WHATSOEVER, AND IN PARTICULAR SHALL NOT BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT, CONSEQUENTIAL, OR INCIDENTAL DAMAGES, OR DAMAGES FOR LOST PROFITS, LOST INCOME, LOSS OF REVENUE, OR LOSS OF USE, ARISING OUT OF OR RELATED TO THE USE OR THE INABILITY TO USE THIS WEB SITE OR THE INFORMATION CONTAINED IN IT, WHETHER SUCH DAMAGES ARISE IN CONTRACT, NEGLIGENCE, TORT, UNDER STATUTE, IN EQUITY, AT LAW, OR OTHERWISE, EVEN IF MORTGAGEARCHITECT, LLC OR IVAN DUARTE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
MORTGAGEARCHITECT, LLC, IVAN DUARTE, ALONG WITH ANY USER HEREBY IRREVOCABLY WAIVE ANY AND ALL RIGHT TO TRIAL BY JURY IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED HEREBY.
You agree to indemnify and hold MortgageArchitect, LLC, Ivan Duarte, The ROC Mortgage Group, CrossCountry Mortgage, LLC, their subsidiaries, affiliates, officers, agents, attorneys and employees, harmless from any claim or demand of any kind whatsoever, including reasonable attorneys’ fees and costs, made by any third party due to or arising out of the use of this Site or Service, the violation of this Agreement, or infringement by User of any intellectual property or any other right of any person or entity.
CHILDREN ONLINE PROTECTION ACT NOTIFICATION
This Web site you are visiting was not designed for anyone under the age of 18. We are not responsible for any access or use of this Web site by children or minors under the age of 18. This Web site does not sell products designated for purchase by children under the age of 13 or anyone under the age of 18 nor is it designed for their use or entertainment.
This Agreement will be governed by and construed in accordance with the laws of the United States of America and the State of Florida, without regard to any principals of conflicts of law. You agree that any action at law or in equity that arises out of or relates to this website or these Terms & Conditions of Use will be filed in the appropriate state or federal courts located in Orange County, Florida, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.
Text Messaging Consent: By providing your mobile phone number, you expressly consent to receive text messages from MortgageArchitect, LLC, Ivan Duarte, The Mortgage Architect, The ROC Mortgage Group, and CrossCountry Mortgage, LLC regarding:
Message Details:
Opt-Out Instructions:
Supported Carriers: All major U.S. wireless carriers are supported
These Terms & Conditions of Use constitute the entire agreement and understanding between you and MortgageArchitect, LLC and Ivan Duarte. Our failure to enforce any right or provision shall not constitute a waiver of such right or provision.
Your communications with us via the website, email, and telephone may be recorded or monitored and by using such communications methods you are consenting to the recording or monitoring of the same.
All loan approvals, pre-qualifications, pre-approvals, rate locks, deposit and refund agreements, and the like, are only made in writing. Approvals, pre-qualifications and pre-approvals are conditional in accordance with their terms except as maybe specifically provided for in writing.
Effective Date: June 19, 2025
This Privacy Statement describes the online information collection and use practices of MortgageArchitect, LLC and Ivan Duarte, The Mortgage Architect, VP of Lending with The ROC Mortgage Group, operating in partnership with CrossCountry Mortgage, LLC (“CCM”) and its corporate divisions and business affiliates, including CCM’s affiliated insurance agency, CrossCountry Home and Auto Insurance Agency, LLC (“CCHA”). “We” or “us” or “our” refers to MortgageArchitect, LLC, Ivan Duarte, and our affiliated partners. We are strongly committed to protecting the privacy of our customers.
We do NOT knowingly collect personally identifiable information from children under the age of 13. We screen users who wish to provide personal information in order to prevent users under the age of 13 from providing such information. If we become aware that we have inadvertently received personally identifiable information from a user under the age of 13, we will delete such information from our records.
MortgageArchitect, LLC, Ivan Duarte, and our affiliates are committed to protecting your privacy. By accessing our website, you acknowledge and fully understand our Privacy Statement and freely consent to the information collection and use practices described herein. By submitting information to MortgageArchitect, LLC or Ivan Duarte through this website or otherwise you are making an inquiry as to lending programs, insurance products, and related services and give us permission to contact you through Email, fax, or telephone, or any means, even if your phone number is on a “Do Not Call” list.
MortgageArchitect, LLC and Ivan Duarte collect certain information from and about customers and users in the following ways:
Personal Information Collected:
Technical Information:
We will not disclose personally identifiable information we collect from you to third parties without your permission except to the extent necessary including but not limited to the following:
SMS Data Protection:
Message Content:
Your Rights:
When you visit our Website, we may track information to administer the site and analyze its usage. We may use cookies to personalize or enhance your user experience. A cookie is a small text file that is placed on your hard disk by a Web page server.
You have the ability to accept or decline cookies by changing certain settings of your web browser. If you reject cookies by changing your browser settings, be aware that this may disable some of the functionality on our website.
We implement industry-standard security measures including:
General Rights:
California Residents (CCPA Rights): California Civil Code § 1798.83 permits our visitors who are California residents to request certain information regarding disclosures of personal information to third parties for their direct marketing purposes.
For Privacy Questions or Concerns:
Ivan Duarte, The Mortgage Architect
MortgageArchitect, LLC
VP of Lending, The ROC Mortgage Group
NMLS #32559
147 E Lyman Avenue, Suite D & C-1
Winter Park, FL 32789
Email: [contact information]
Phone: [phone number]
NMLS Information:
Equal Housing Lender: We are an Equal Housing Lender committed to providing equal access to credit.
Licensed by: Applicable state licensing authorities where services are provided.
MortgageArchitect, LLC and Ivan Duarte have the discretion to update this privacy statement at any time. When we do, we will also revise the “updated” date at the top of this Privacy page. We encourage you to periodically review this privacy statement to stay informed about how we are helping to protect the information we collect.
© Copyright MortgageArchitect, LLC and Ivan Duarte, The Mortgage Architect. All Rights Reserved.
This document serves as both Terms of Service and Privacy Policy. By using our services, you acknowledge that you have read, understood, and agree to these terms.
Last Updated: June 19, 2025
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