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Terms & Conditions

Eric Garnicki – Your Mortgage Guy | C2 Financial Corporation • Effective date: August 13, 2026

These Terms & Conditions govern your use of yourmortgageguyeric.com and the communications programs offered by Eric Garnicki – Your Mortgage Guy (C2 Financial Corporation). By using this website or opting into our communications, you agree to the following terms.

Opt-In Terms of Acceptance for Calls and Texts

Consent to Communications: You hereby consent to receive communication from us through emails, autodialed and/or pre-recorded calls, and text messages (including SMS and MMS) from or on behalf of Eric Garnicki – Your Mortgage Guy (C2 Financial Corporation) at the telephone number provided, including your wireless number, if applicable. You understand that consent is optional and is not a condition of purchase.

Frequency of Messages: You acknowledge that the frequency of messages from Eric Garnicki – Your Mortgage Guy may vary. Standard message and data rates may apply to text messages based on your carrier.

Service and Marketing Messages: Service-related messages concern your inquiry, appointments, and transaction updates. Marketing and promotional messages are sent only if you separately opt in to receive them.

Opt-Out Option: You understand that you can withdraw your consent at any time by replying STOP to any text message or by contacting us at eric@thegarnickiteam.com or (408) 357-4116. After opting out you will receive a confirmation message and no further messages. For assistance, you can reply HELP.

Privacy Policy: Your information will be used in accordance with our Privacy Policy, which explains how we collect, use, and protect your data. Text messaging originator opt-in data and consent will not be shared with any third parties. Please review our Privacy Policy for more information.

Use of This Website

The content of this website is provided for general information purposes only and does not constitute financial, legal, or tax advice, nor a commitment to lend. Loan qualification, rates, and payments will vary based on timing and individual circumstances and are subject to underwriting approval.

Licensing

Eric Garnicki, Senior Mortgage Advisor – NMLS #363191. C2 Financial Corporation – Broker #01821025, NMLS #135622, CA DRE #02101020. Equal Housing Opportunity.

Intellectual Property

All content on this website, including text, graphics, logos, and videos, is the property of its respective owners and may not be reproduced without permission.

Limitation of Liability

We strive to keep the information on this website accurate and current but make no warranties as to its completeness or accuracy. To the fullest extent permitted by law, we are not liable for any damages arising from your use of this website.

Changes to Terms

We reserve the right to amend these terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of this website or participation in our communications program following any changes signifies your acceptance of those changes.

Contact Us

Questions about these terms? Contact eric@thegarnickiteam.com or call (408) 357-4116.

1 Eric Garnicki https://calendly.com/yourmortgageguyeric/15min Chat