SMS Messaging Consent
SMS Messaging Consent — Top Tier Mortgage Processing LLC
Last updated: April 9, 2026
How You Opt In
When you begin a mortgage loan application through one of our processing clients, your loan officer will collect your phone number as part of the application process. By providing your phone number and acknowledging our messaging terms, you consent to receive operational text messages related to your loan from Top Tier Mortgage Processing and their processing software.
Borrower Consent Collection
Borrowers provide their phone number during the application process. After applying online, or when reviewing the application over the phone, the loan officer asks for consent to send loan updates and document requests by text message.
The borrower consent request used by the loan officer is:
"I'd like to send you loan status updates and document requests by text message from Top Tier Mortgage Processing. Message frequency will vary based on your loan progress. Standard message and data rates may apply. You can reply STOP at any time to opt out or HELP for assistance. Your consent is not required to obtain our services. Do I have your permission to text you at this number?"
This consent is recorded and maintained by the loan officer for the life of the loan.
What Messages You'll Receive
- Document collection requests (e.g., pay stubs, bank statements, identification)
- Loan status updates and notifications
- Appointment confirmations and reminders
- Responses to your inquiries about your loan
We do not send marketing or promotional messages.
Message Frequency
Message frequency varies based on loan activity. You may receive multiple messages per week during active processing.
Opt-Out
Reply STOP to any message to opt out. You will receive a one-time confirmation. Opting out does not affect your loan.
Help
Reply HELP or contact us at info@toptiermp.com or 248-704-0507.
Cost
Message and data rates may apply. Top Tier Mortgage Processing LLC is not responsible for carrier fees.
Loan Officer, Borrower, and Realtor Participation
Loan officers, borrowers, and realtors can opt in to or out of using the software, including text notifications, at any time.
Realtor Consent Collection
Loan officers obtain realtor consent at the time the purchase agreement is received using the same request below:
"I'd like to send you loan status updates and document requests by text message from Top Tier Mortgage Processing. Message frequency will vary based on your loan progress. Standard message and data rates may apply. You can reply STOP at any time to opt out or HELP for assistance. Your consent is not required to obtain our services. Do I have your permission to text you at this number?"
This consent is also recorded and maintained by the loan officer for each agent.
Loan Officer Certification and Acknowledgment
By signing up to work with Top Tier Mortgage Processing LLC and by submitting loan files for processing, the loan officer certifies and agrees that:
- The loan officer is opting in to receive operational text messages related to loan processing activity, status updates, and workflow notifications.
- The loan officer will obtain and maintain appropriate prior express consent from each borrower, co-borrower, real estate agent, and any other contact before requesting or enabling SMS communications through our platform.
- Consent is collected by the loan officer or loan officer's organization in connection with the loan application process and is retained in accordance with applicable recordkeeping requirements.
- The loan officer understands that Top Tier Mortgage Processing LLC sends operational communications only and does not send marketing or promotional SMS messages under this workflow.
Non-Opted-In or Revoked Consent Contacts
If any individual has not opted in, or later revokes consent, the loan officer must promptly notify Top Tier Mortgage Processing LLC at info@toptiermp.com to ensure that contact is opted out of all future text communication for that loan workflow.
Compliance Responsibility
The loan officer and sponsoring mortgage company remain responsible for ensuring that consent collection practices and outreach instructions comply with applicable federal and state communication laws, regulations, and investor requirements.
Public Consent Process
The full consent process is publicly available at https://toptiermp.com/sms-consent/.