Effective Date: September 16, 2026
Welcome to Ragis Processing, LLC.
These Terms of Service (“Terms”) govern your access to and use of the Ragis Processing, LLC website, online forms, communications, portals, dashboards, and other online features we make available (collectively, the “Services”).
By accessing or using our website or Services, submitting information through our online forms, creating or accessing an account, or otherwise interacting with our Services, you agree to these Terms. If you do not agree to these Terms, please do not use our website or Services.
These Terms govern use of our website and related online Services. Mortgage brokers, lenders, loan officers, and other clients who engage Ragis Processing, LLC for mortgage processing services may also be subject to separate service agreements, processing agreements, fee agreements, or other written contracts. If a separate written agreement conflicts with these Terms regarding the contracted mortgage processing services, the terms of the separate written agreement will control with respect to those services.
1. About Our Services
Ragis Processing, LLC provides third-party mortgage loan processing and related administrative support services to mortgage brokers, lenders, loan officers, and other real estate and mortgage professionals.
Depending on the scope of an engagement, our services may include assisting with documentation, coordinating communications among parties, monitoring loan milestones, requesting information or documentation, maintaining processing records, and supporting the progression of mortgage loan files toward completion.
Our website is intended to provide information about our business and services, facilitate communication with clients and prospective clients, provide access to certain online resources and account information, and allow users to request information or consultations.
Ragis Processing, LLC is a third-party processing service and does not guarantee loan approval, underwriting decisions, interest rates, closing dates, funding, or any other decision or outcome controlled by a lender, underwriter, borrower, government agency, settlement provider, or other third party.
Information provided through our website or Services is for general informational and administrative purposes and should not be construed as legal, tax, financial, lending, or investment advice.
2. Eligibility and Acceptable Use
By using our website or Services, you represent that you have the legal capacity and authority to agree to these Terms.
You agree to use our website and Services only for lawful purposes and in accordance with these Terms.
You may not:
provide information you know to be false, misleading, fraudulent, or inaccurate;
use the website or Services in violation of any applicable law or regulation;
attempt to gain unauthorized access to another person's account, records, dashboard, data, or other restricted areas;
interfere with or disrupt the security, availability, integrity, or operation of our website, systems, or communications;
introduce viruses, malicious code, automated attacks, or other harmful technology;
attempt to bypass authentication, access restrictions, or security controls;
use information obtained through the Services for unauthorized, unlawful, or fraudulent purposes; or
reproduce, copy, distribute, resell, or commercially exploit our website, proprietary materials, or Services without our written permission.
We reserve the right to restrict or suspend access when we reasonably believe use of the Services violates these Terms, creates a security risk, or may violate applicable law.
3. Accounts, Dashboards, and Access Credentials
Certain clients, loan officers, or authorized users may receive access to dashboards, reports, portals, or other restricted areas of our Services.
If you receive login credentials or other access information, you are responsible for maintaining their confidentiality and for using them only for their intended purpose.
You agree not to share passwords, access codes, or other credentials with unauthorized individuals or attempt to access information that you are not authorized to view.
You are responsible for promptly notifying Ragis Processing, LLC if you believe your credentials have been lost, compromised, improperly disclosed, or used without authorization.
We may suspend, restrict, reset, or terminate access to an account, dashboard, or portal when reasonably necessary to protect the security of our systems, our clients, borrowers, or other users.
4. Accuracy of Information and User Responsibilities
You agree to provide accurate, current, and complete information when interacting with Ragis Processing, LLC and to promptly provide updates or corrections when necessary.
Mortgage processing depends heavily upon information and documentation supplied by borrowers, brokers, lenders, loan officers, third-party vendors, and other participants in the transaction. Ragis Processing, LLC is not responsible for delays, errors, missed deadlines, or other consequences caused by inaccurate, incomplete, outdated, delayed, or unavailable information supplied by third parties.
Users are responsible for reviewing information, requests, notifications, and documentation provided through our Services and responding within applicable deadlines.
5. SMS Messaging Program
By voluntarily providing your mobile phone number and affirmatively consenting to receive text messages from Ragis Processing, LLC, you agree to receive SMS communications related to your interactions with us.
Messages may include:
appointment confirmations and reminders;
follow-up communications;
loan processing updates;
requests for information or documentation;
customer service communications;
workflow and status notifications; and
other business-related communications associated with our services.
Message frequency varies depending on your relationship and interactions with Ragis Processing, LLC.
Consent to receive SMS messages is not a condition of purchasing or receiving any service.
Mobile phone numbers and SMS consent information collected for messaging purposes will not be sold or shared with third parties or affiliates for their own marketing or promotional purposes.
6. SMS Message and Data Rates
Message and data rates may apply according to your wireless carrier and mobile service plan. Ragis Processing, LLC is not responsible for charges assessed by your mobile carrier.
Wireless carriers are not liable for delayed or undelivered messages.
7. SMS Opt-Out and Help
You may opt out of receiving SMS messages at any time by replying STOP to a message from Ragis Processing, LLC.
After submitting an opt-out request, you may receive a confirmation message. You will no longer receive SMS messages from the applicable messaging program unless you subsequently opt in again.
For assistance, reply HELP to a message from Ragis Processing, LLC or contact us using the information provided at the end of these Terms.
Opting out of SMS messaging does not prevent Ragis Processing, LLC from communicating with you through other permitted methods when necessary to provide services or fulfill contractual or legal obligations.
8. Privacy
Your privacy is important to us. Our collection, use, storage, and disclosure of personal information through our website and Services are described in our Privacy Policy.
By using our website and Services, you acknowledge that you have had an opportunity to review our Privacy Policy.
Information associated with mortgage transactions may also be subject to additional contractual, regulatory, lender, broker, or service-provider requirements beyond this website Privacy Policy.
9. Third-Party Services and Technology
Our Services may rely upon or interact with third-party websites, software platforms, telecommunications providers, payment processors, lenders, brokers, document providers, data providers, integration services, and other third-party technologies or services.
Ragis Processing, LLC does not control the availability, security, accuracy, policies, functionality, or performance of independent third-party services.
To the fullest extent permitted by law, Ragis Processing, LLC is not responsible for interruptions, delays, data transmission failures, errors, outages, security incidents, changes in functionality, or other issues caused by third-party systems or providers outside our reasonable control.
Links to third-party websites or resources are provided for convenience and do not necessarily constitute an endorsement of the third party or its products, services, content, or practices.
Your use of third-party services may be subject to separate terms and privacy policies established by those providers.
10. Intellectual Property
Unless otherwise indicated, the website and its original content, branding, logos, graphics, designs, text, documents, processes, downloadable materials, and other materials created by or for Ragis Processing, LLC are owned by or licensed to Ragis Processing, LLC and are protected by applicable intellectual property laws.
You may use website materials for their intended business or informational purposes. You may not reproduce, republish, distribute, modify, sell, license, create derivative works from, or commercially exploit protected Ragis Processing, LLC materials without prior written permission.
Nothing in these Terms transfers ownership of Ragis Processing, LLC intellectual property to you.
Third-party names, trademarks, logos, and materials remain the property of their respective owners.
11. Website and Service Availability
We strive to maintain reliable access to our website and Services, but we do not guarantee that they will always be available, uninterrupted, secure, timely, or error-free.
We may modify, update, restrict, suspend, or discontinue portions of the website or Services when reasonably necessary for maintenance, security, technology changes, legal or regulatory requirements, business operations, or circumstances beyond our reasonable control.
We are not responsible for delays or interruptions resulting from internet failures, telecommunications outages, third-party platforms, acts of government, natural disasters, cybersecurity events, or other circumstances outside our reasonable control.
12. No Guarantee of Mortgage Transaction Outcomes
Ragis Processing, LLC assists with the administrative processing and coordination of mortgage transactions but does not control the decisions or actions of lenders, underwriters, appraisers, borrowers, brokers, title or settlement providers, government agencies, insurers, or other third parties involved in a transaction.
Accordingly, Ragis Processing, LLC does not guarantee:
approval or qualification for any mortgage loan;
a particular interest rate, loan term, or lending condition;
satisfaction of underwriting requirements;
appraisal results;
the availability or acceptability of documentation;
completion of a transaction by a particular date;
closing or funding of a mortgage loan; or
any particular financial or transactional outcome.
Timelines and outcomes may be affected by factors outside the control of Ragis Processing, LLC.
13. Disclaimer of Warranties
To the fullest extent permitted by applicable law, our website and online Services are provided on an “as is” and “as available” basis.
Ragis Processing, LLC makes no representation or warranty that the website or Services will be uninterrupted, error-free, completely secure, or free from technical defects.
Except as expressly provided in a separate written agreement, and to the fullest extent permitted by law, Ragis Processing, LLC disclaims warranties relating to the website and online Services, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
Nothing in this section limits any warranty or right that cannot lawfully be excluded.
14. Limitation of Liability
To the fullest extent permitted by applicable law, Ragis Processing, LLC and its owners, officers, employees, contractors, representatives, and agents will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or relating to use of, or inability to use, our website or online Services.
This includes, where permitted by law, losses resulting from interruptions, loss of data, third-party service failures, unauthorized third-party activity, delays, or reliance upon information provided through the website or online Services.
Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited.
Any liability relating specifically to contracted mortgage processing services may also be governed by the applicable written service or processing agreement between Ragis Processing, LLC and the client.
15. Indemnification
To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Ragis Processing, LLC and its owners, officers, employees, contractors, agents, and representatives from third-party claims, liabilities, damages, losses, and reasonable costs arising from your unlawful or unauthorized use of the website or Services, your material violation of these Terms, information or materials you provide in violation of another person's rights, or your violation of applicable law.
This provision does not require you to indemnify Ragis Processing, LLC for conduct for which indemnification may not lawfully be required.
16. Suspension and Termination of Access
We reserve the right to restrict, suspend, or terminate access to our website, dashboards, portals, accounts, or other online Services when reasonably necessary, including because of:
violation of these Terms;
suspected fraudulent or unlawful activity;
unauthorized access or security concerns;
requests or requirements from law enforcement, courts, regulators, or other governmental authorities;
nonpayment where access is associated with a paid service;
discontinuation or material modification of a Service; or
other circumstances in which continued access could reasonably create risk to Ragis Processing, LLC, its clients, borrowers, users, or systems.
Termination of online access does not eliminate obligations that arose before termination or otherwise survive under a separate written agreement.
17. Changes to These Terms
We may update these Terms from time to time to reflect changes to our Services, technology, business practices, legal requirements, or other operational needs.
Updated Terms will be posted on this page with a revised Effective Date.
Your continued use of the website or Services after revised Terms become effective constitutes acceptance of the updated Terms to the extent permitted by applicable law.
18. Governing Law and Venue
These Terms and any dispute arising from use of the Ragis Processing, LLC website or online Services will be governed by the laws of the State of North Carolina, without regard to conflict-of-law principles.
To the extent permitted by applicable law and unless otherwise provided in a separate written agreement, any legal proceeding arising specifically from these Terms or use of the website or online Services shall be brought in a court of competent jurisdiction located in North Carolina.
19. Relationship to Other Agreements
These Terms govern the use of our website and online Services and do not replace a separately executed mortgage processing agreement, service agreement, fee agreement, confidentiality agreement, or other written contract between Ragis Processing, LLC and a client.
If a provision of a separate written agreement conflicts with these Terms regarding services provided under that agreement, the separate written agreement will control with respect to those contracted services.
20. Waiver and Severability
If Ragis Processing, LLC does not immediately enforce a provision of these Terms, that does not constitute a waiver of our right to enforce that provision later.
If any provision of these Terms is determined by a court of competent jurisdiction to be invalid, unlawful, or unenforceable, the remaining provisions will remain in full force and effect to the extent permitted by law.
21. Contact Information
Questions about these Terms or our Services may be directed to:
Ragis Processing, LLC
4030 Wake Forest Road
Raleigh, NC 27609
Phone: (828) 545-0646
Website: ragisprocessing.com