Terms of Use – whitneypauley.com
Effective date: October 22, 2026
This website (whitneypauley.com and blog.whitneypauley.com) is operated by Whitney Pauley, Senior Mortgage Advisor, NMLS #378622, with CrossCountry Mortgage, LLC, NMLS #3029. By using this website, you agree to these Terms of Use. If you do not agree, please do not use the website.
These terms work together with our Privacy Policy (https://whitneypauley.com/privacy-policy), which explains what information we collect and how it is used.
Information only, not a loan offer
The content on this website, including articles, rate updates, classes, checklists, calculators, and the Wealth Readiness Quiz, is for general educational and informational purposes only. It is not financial, tax, or legal advice, and it is not a loan commitment, a loan approval, or an offer to lend.
- Submitting a form, booking a call, or taking a quiz on this website is not a loan application.
- Rates, terms, fees, and loan programs are subject to change without notice and are not guaranteed.
- All loans are subject to credit approval, underwriting, property eligibility, and program guidelines. Not all applicants will qualify, and not all programs are available in every state.
- Any examples or rates shown are for illustration only. Your actual rate and terms depend on your personal situation.
Please talk with a licensed mortgage professional, and your own tax or legal advisor, before making financial decisions.
Licensing
Whitney Pauley, NMLS #378622, is licensed in Washington (WA-MLO-378622), Montana (MT-378622), and Arkansas (AR-378622).
CrossCountry Mortgage, LLC, NMLS #3029. Branch NMLS ID #39179, 19015 North Creek Parkway, Suite 105, Bothell, WA 98011.
You can verify licensing at NMLS Consumer Access: https://www.nmlsconsumeraccess.org
Equal Housing Opportunity
CrossCountry Mortgage, LLC is an Equal Housing Opportunity lender.
Text messaging (SMS) terms
Program. Whitney Pauley with CrossCountry Mortgage, LLC sends text messages about your inquiry, scheduled appointments, and mortgage information you have asked about.
How you opt in. You can choose to receive texts by checking the optional, unchecked consent box when you book a call or submit a form on this website, and providing your mobile number. Messages may be sent using automated technology.
Consent is optional. Consent to receive text messages is not a condition of any purchase, service, or loan. You can book a call or submit a form without agreeing to texts.
Message frequency varies. The number of messages depends on your inquiry and appointments.
Message and data rates may apply. Check with your mobile carrier for details about your plan.
Opt out. Reply STOP to any message to stop receiving texts. You will receive one confirmation message, and then no further texts unless you opt in again.
Help. Reply HELP to any message for help, or contact us at 206-406-8430 or Whitney.Pauley@ccm.com.
Carriers. Mobile carriers are not liable for delayed or undelivered messages.
Your information. Mobile phone numbers and SMS opt-in consent are not shared with or sold to third parties or affiliates for their marketing purposes. See our Privacy Policy (https://whitneypauley.com/privacy-policy) for details.
Third-party links
This website may link to websites operated by others, such as CrossCountry Mortgage, LLC, property listing sites, and scheduling or video tools. We provide these links for convenience. We do not control and are not responsible for the content, accuracy, or privacy practices of other websites, and a link is not an endorsement.
Intellectual property
The content on this website, including text, graphics, charts, photos, videos, and logos, belongs to Whitney Pauley, CrossCountry Mortgage, LLC, or their licensors and is protected by copyright and trademark laws. You may view and share pages for personal, non-commercial use with credit and a link back. Please do not copy, republish, or sell this content without written permission.
Acceptable use
Please do not misuse this website, including by trying to gain unauthorized access, interfering with how it works, submitting false information, or using automated tools to collect its content.
Disclaimer and limitation of liability
We work to keep this website accurate and current, but it is provided “as is” and “as available,” without warranties of any kind. We do not guarantee that the website will be error-free or always available.
To the fullest extent permitted by law, Whitney Pauley and CrossCountry Mortgage, LLC are not liable for any indirect, incidental, or consequential damages arising from your use of, or inability to use, this website or its content. Nothing in these terms limits any rights you have under applicable consumer protection laws.
Governing law
These terms are governed by the laws of the State of Washington, without regard to its conflict of law rules, except where federal law applies.
Changes to these terms
We may update these terms from time to time. The “Effective date” above shows when they were last revised. Continued use of the website after a change means you accept the updated terms.
Contact
Whitney Pauley, NMLS #378622 – CrossCountry Mortgage, LLC, NMLS #3029
19015 North Creek Parkway, Suite 105, Bothell, WA 98011
206-406-8430 | Whitney.Pauley@ccm.com
NMLS Consumer Access: www.nmlsconsumeraccess.org
CrossCountry Mortgage, LLC is an Equal Housing Opportunity lender.