Mortgage Disrupters Website Disclosure

Legal Disclaimer and Licensing Disclosure page for the Mortgage Disrupters website.

One item must be confirmed before publishing

Your current website displays Mortgage Disrupters NMLS #2496344, but public search results associate that number with Richard Kirby individually. Texas advertising rules require the sponsoring mortgage company’s legal or registered assumed name, company NMLS ID and website address. When an individual LO is advertising, the LO’s name and NMLS ID are also generally required. Texas also has specific rules for using team or brand names such as Mortgage Disrupters.

Therefore, confirm these two fields with your sponsoring company’s compliance department:

Rocket Mortgage

LEGAL DISCLAIMER AND LICENSING DISCLOSURE

Mortgage Disrupters

Mortgage products and residential mortgage loan origination services offered through:

Rocket Mortgage

Mortgage Disrupters is a marketing name, team name or registered assumed name operating through

Richard L. Kirby
Residential Mortgage Loan Originator
NMLS ID: 2496344

Office Address:
2909 E. Arkansas Lane
Arlington, Texas 76010

Telephone: (817) 822-9688
Email: rkirby@mortgagedisrupters.com
Website: www.mortgagedisrupters.com

The address, telephone number and NMLS information above are currently published on the Mortgage Disrupters website.

General Mortgage Disclaimer

The information provided on this website is for general informational and educational purposes only. Nothing on this website constitutes a commitment to lend, an offer to extend credit, a loan approval, a loan qualification decision or a guarantee that any applicant will qualify for a particular mortgage product.

All mortgage loan applications are subject to:

Credit approval
Income and employment verification
Asset verification
Property eligibility and valuation
Acceptable title and insurance
Loan-program requirements
Underwriting approval
Lender guidelines
Applicable federal and state laws

Not all applicants will qualify. Additional restrictions, conditions and limitations may apply.

Submitting a contact form, requesting information, using a mortgage calculator, receiving a payment illustration, discussing a loan scenario or providing preliminary financial information does not create a lender-borrower relationship and does not constitute an approval or commitment to lend.

Mortgage Broker and Lender Relationships

Mortgage Disrupters may operate as a mortgage brokerage and may submit eligible mortgage applications to one or more approved wholesale lenders.

The lender selected for a transaction will make the final credit, underwriting, pricing and loan-approval decisions. Loan products, terms, underwriting standards and availability may vary by lender.

Mortgage Disrupters does not represent that every lender or mortgage product available in the marketplace is available through Mortgage Disrupters.

Rates, Payments and Loan Terms

Interest rates, annual percentage rates, discount points, lender credits, closing costs, loan programs and qualification requirements are subject to change without notice.

Any advertised or illustrated interest rate, APR, payment, down payment, closing cost or loan term is based on specific assumptions that may not apply to every applicant.

An applicant’s actual loan terms may be affected by factors including:

Credit history and credit score
Loan amount
Property type
Occupancy
Loan-to-value ratio
Debt-to-income ratio
Income documentation
Available assets
Lock period
Market conditions
Loan program
Discount points or lender credits

When specific rates or payments are advertised, federal advertising rules require that applicable terms be accurate, actually available and clearly disclosed. Triggering terms may require additional repayment, APR or down-payment disclosures.

Payment Illustrations

Unless expressly stated otherwise, an estimated mortgage payment may include only principal and interest.

The actual total monthly payment may be higher because of:

Property taxes
Homeowners insurance
Flood insurance
Mortgage insurance
Homeowners association dues
Special assessments
Supplemental insurance
Escrow requirements
Other property-related charges

A lower initial payment associated with a temporary buydown, adjustable-rate mortgage or other reduced-payment structure may increase after the applicable introductory period.

Mortgage Calculators

Mortgage calculators and financial tools appearing on this website are provided for informational and illustrative purposes only.

Calculator results are estimates and should not be considered:

A Loan Estimate
An official disclosure
A loan approval
A prequalification
A preapproval
A commitment to lend
Financial, legal, accounting or tax advice

Calculator results may not include every charge associated with a mortgage transaction. Actual figures will be determined through the application, disclosure and underwriting process.

Prequalification and Preapproval

A prequalification or preapproval may be conditional and is not a guarantee that a mortgage loan will close.

Final approval may require satisfactory verification of the applicant’s financial information, acceptable property documentation, appraisal, title, insurance, underwriting approval and satisfaction of all applicable conditions.

A material change in employment, income, assets, credit, debts, interest rates, property condition or loan-program requirements may affect an applicant’s eligibility.

Licensing and Geographic Availability

Mortgage products and services are available only in jurisdictions where the sponsoring mortgage company and applicable mortgage loan originator are properly licensed, registered or otherwise authorized to conduct business.

Mortgage Disrupters primarily serves consumers seeking financing for properties located in Texas.

This website is not an offer to provide mortgage services in any jurisdiction where such an offer or activity would be prohibited.

This website is not authorized by the New York State Department of Financial Services. Mortgage loan applications for properties located in New York will not be accepted through this website.

Consumers may verify licensing information through NMLS Consumer Access. NMLS Consumer Access is the public system for viewing information concerning state-licensed mortgage companies, branches and individuals.

Equal Housing Opportunity

Mortgage Disrupters and its sponsoring mortgage company conduct mortgage-related business in accordance with applicable federal and state fair-lending and fair-housing laws.

Credit will not be denied or discouraged on a prohibited basis.

Equal Housing Opportunity

Use the official Equal Housing Opportunity logo beside or immediately below this language.

Government Loan Programs

Mortgage Disrupters is not a government agency.

References to FHA, VA, USDA, HUD, Fannie Mae, Freddie Mac or other governmental or government-sponsored mortgage programs are provided to describe potentially available loan programs.

Mortgage Disrupters is not endorsed or sponsored by the United States Department of Housing and Urban Development, the Department of Veterans Affairs, the Department of Agriculture or any other government agency.

Government loan programs are subject to applicable agency rules, lender overlays, borrower eligibility and property requirements.

Refinancing Disclosure

Refinancing an existing mortgage may result in:

A new loan term
Additional finance charges
Closing costs
A higher total amount of interest paid
A change in monthly payment
The replacement of an existing loan with a new lien

A lower monthly payment does not necessarily mean that the total cost of borrowing will be lower.

Consumers should evaluate the interest rate, APR, closing costs, loan term, total interest expense and anticipated time in the property before deciding whether to refinance.

Cash-out refinancing reduces available home equity and increases the amount secured by the property.

Credit Information

Any discussion of credit scores, credit improvement, debt management or borrower readiness is provided for educational purposes.

Mortgage Disrupters is not a credit-repair organization and does not guarantee that any action will increase a consumer’s credit score or result in mortgage approval.

Credit-score models and scores may differ among consumer websites, credit-monitoring services, creditors, lenders and mortgage underwriting systems.

Down-Payment Assistance and Special Programs

Down-payment assistance, grants, forgivable loans, temporary buydowns and other special programs are subject to availability, funding, income limits, property restrictions, geographic requirements, homebuyer-education requirements and additional program guidelines.

Program availability may change or end without notice. No program benefit is guaranteed until all eligibility requirements have been verified and the applicable provider has approved the transaction.

Testimonials and Reviews

Testimonials, reviews and success stories reflect the experiences of individual clients.

Individual experiences are not necessarily representative of every customer, and past results do not guarantee future mortgage approval, loan terms, savings or results.

Any loan scenario discussed in a testimonial was based on that borrower’s individual circumstances and the lending guidelines available at that time.

Third-Party Information and Links

This website may contain information, calculators, reviews, market data or links provided by third parties.

Mortgage Disrupters does not control and is not responsible for the content, availability, accuracy, security, privacy practices or policies of unaffiliated third-party websites.

A link to a third-party website does not necessarily constitute an endorsement of the third party or its products and services.

No Legal, Tax or Financial Advice

The information on this website is not intended to provide legal, accounting, investment, credit-repair or tax advice.

Consumers should consult qualified legal, tax, insurance and financial professionals regarding their individual circumstances.

Electronic Communications and SMS Disclosure

Use this section when a website form collects a telephone number:

By providing your telephone number and submitting a website form, you agree that Mortgage Disrupters and its service providers may contact you regarding your inquiry, mortgage application, requested services, appointments and related follow-up. Communications may include telephone calls, emails and text messages, including messages sent using automated technology where permitted by law. Consent to receive marketing communications is not a condition of obtaining a mortgage product or service. Message frequency varies. Message and data rates may apply. Reply STOP to a text message to opt out or HELP for assistance.

Consumers must be able to revoke consent through reasonable methods, and FCC rules treat texts as communications covered by TCPA requirements.

Add this statement only when it accurately reflects Mortgage Disrupters’ data practices:

Mobile information, telephone numbers and SMS consent records will not be sold or shared with third parties or affiliates for their independent marketing or promotional purposes. Information may be shared with service providers that assist Mortgage Disrupters in delivering requested communications and services, subject to appropriate confidentiality and data-protection requirements.

The website’s form checkbox, privacy policy, SMS terms and actual GHL communication practices must all be consistent.

Privacy and Information Security

Personal information submitted through this website will be handled in accordance with the Mortgage Disrupters Privacy Policy and applicable law.

Consumers should not submit Social Security numbers, bank account numbers, tax returns, identification documents or other sensitive financial information through unsecured website forms, ordinary email or social-media messaging.

Sensitive documents should be submitted only through an approved secure application or document-upload portal.

Unless otherwise stated, website text, branding, graphics, videos, downloadable resources and other original content are owned by Mortgage Disrupters, its affiliated companies or applicable licensors.

Content may not be copied, republished, distributed or commercially used without written authorization, except as permitted by applicable law.

Changes to This Disclosure

Mortgage Disrupters may revise this disclosure periodically to reflect changes in its business practices, mortgage programs, technology, regulatory requirements or applicable law.

Last updated: 07/20/2026

Required Texas Consumer Complaint Notice

Texas requires the current SML-prescribed complaint notice to be posted on each applicable mortgage website. It must either appear on the homepage or be placed on a linked webpage with a clearly displayed homepage link. The notice should be used in the exact current form published by the Texas Department of Savings and Mortgage Lending rather than rewritten or shortened.

Use this homepage link title:

Texas Consumer Complaint Notice

Place the official 7 TAC §56.200(c) notice immediately below the general website disclosure or on its own linked page.

The current notice is a shortened, one-paragraph Texas resident notice; SML confirmed that the former two-paragraph version was replaced during the rules update effective November 23, 2024.

Mortgage Disrupters Website Disclosure

Below is a ready-to-paste Legal Disclaimer and Licensing Disclosure page for the Mortgage Disrupters website.

One item must be confirmed before publishing

Therefore, confirm these two fields with your sponsoring company’s compliance department:

Sponsoring mortgage company’s exact legal name
Sponsoring mortgage company’s NMLS ID

Do not use 8 Blocks LLC as the sponsoring mortgage company unless it is actually the licensed entity reflected in NMLS.

LEGAL DISCLAIMER AND LICENSING DISCLOSURE

Mortgage Disrupters

Mortgage products and residential mortgage loan origination services offered through:

[SPONSORING MORTGAGE COMPANY’S LEGAL NAME]
Company NMLS ID: [COMPANY NMLS NUMBER]

Mortgage Disrupters is a marketing name, team name or registered assumed name operating through [SPONSORING MORTGAGE COMPANY’S LEGAL NAME].

Richard L. Kirby
Residential Mortgage Loan Originator
NMLS ID: 2496344

Office Address:
2909 E. Arkansas Lane
Arlington, Texas 76010

Telephone: (817) 822-9688
Email: rkirby@mortgagedisrupters.com
Website: www.partnerwithmd.com

The address, telephone number and NMLS information above are currently published on the Mortgage Disrupters website.

General Mortgage Disclaimer

All mortgage loan applications are subject to:

Credit approval
Income and employment verification
Asset verification
Property eligibility and valuation
Acceptable title and insurance
Loan-program requirements
Underwriting approval
Lender guidelines
Applicable federal and state laws

Not all applicants will qualify. Additional restrictions, conditions and limitations may apply.

Mortgage Broker and Lender Relationships

Mortgage Disrupters may operate as a mortgage brokerage and may submit eligible mortgage applications to one or more approved wholesale lenders.

The lender selected for a transaction will make the final credit, underwriting, pricing and loan-approval decisions. Loan products, terms, underwriting standards and availability may vary by lender.

Mortgage Disrupters does not represent that every lender or mortgage product available in the marketplace is available through Mortgage Disrupters.

Rates, Payments and Loan Terms

Interest rates, annual percentage rates, discount points, lender credits, closing costs, loan programs and qualification requirements are subject to change without notice.

Any advertised or illustrated interest rate, APR, payment, down payment, closing cost or loan term is based on specific assumptions that may not apply to every applicant.

An applicant’s actual loan terms may be affected by factors including:

Credit history and credit score
Loan amount
Property type
Occupancy
Loan-to-value ratio
Debt-to-income ratio
Income documentation
Available assets
Lock period
Market conditions
Loan program
Discount points or lender credits

Payment Illustrations

Unless expressly stated otherwise, an estimated mortgage payment may include only principal and interest.

The actual total monthly payment may be higher because of:

Property taxes
Homeowners insurance
Flood insurance
Mortgage insurance
Homeowners association dues
Special assessments
Supplemental insurance
Escrow requirements
Other property-related charges

A lower initial payment associated with a temporary buydown, adjustable-rate mortgage or other reduced-payment structure may increase after the applicable introductory period.

Mortgage Calculators

Mortgage calculators and financial tools appearing on this website are provided for informational and illustrative purposes only.

Calculator results are estimates and should not be considered:

A Loan Estimate
An official disclosure
A loan approval
A prequalification
A preapproval
A commitment to lend
Financial, legal, accounting or tax advice

Calculator results may not include every charge associated with a mortgage transaction. Actual figures will be determined through the application, disclosure and underwriting process.

Prequalification and Preapproval

A prequalification or preapproval may be conditional and is not a guarantee that a mortgage loan will close.

A material change in employment, income, assets, credit, debts, interest rates, property condition or loan-program requirements may affect an applicant’s eligibility.

Licensing and Geographic Availability

Mortgage Disrupters primarily serves consumers seeking financing for properties located in Texas.

This website is not an offer to provide mortgage services in any jurisdiction where such an offer or activity would be prohibited.

This website is not authorized by the New York State Department of Financial Services. Mortgage loan applications for properties located in New York will not be accepted through this website.

Equal Housing Opportunity

Mortgage Disrupters and its sponsoring mortgage company conduct mortgage-related business in accordance with applicable federal and state fair-lending and fair-housing laws.

Credit will not be denied or discouraged on a prohibited basis.

Equal Housing Opportunity

Use the official Equal Housing Opportunity logo beside or immediately below this language.

Government Loan Programs

Mortgage Disrupters is not a government agency.

References to FHA, VA, USDA, HUD, Fannie Mae, Freddie Mac or other governmental or government-sponsored mortgage programs are provided to describe potentially available loan programs.

Government loan programs are subject to applicable agency rules, lender overlays, borrower eligibility and property requirements.

Refinancing Disclosure

Refinancing an existing mortgage may result in:

A new loan term
Additional finance charges
Closing costs
A higher total amount of interest paid
A change in monthly payment
The replacement of an existing loan with a new lien

A lower monthly payment does not necessarily mean that the total cost of borrowing will be lower.

Consumers should evaluate the interest rate, APR, closing costs, loan term, total interest expense and anticipated time in the property before deciding whether to refinance.

Cash-out refinancing reduces available home equity and increases the amount secured by the property.

Credit Information

Any discussion of credit scores, credit improvement, debt management or borrower readiness is provided for educational purposes.

Mortgage Disrupters is not a credit-repair organization and does not guarantee that any action will increase a consumer’s credit score or result in mortgage approval.

Credit-score models and scores may differ among consumer websites, credit-monitoring services, creditors, lenders and mortgage underwriting systems.

Down-Payment Assistance and Special Programs

Program availability may change or end without notice. No program benefit is guaranteed until all eligibility requirements have been verified and the applicable provider has approved the transaction.

Testimonials and Reviews

Testimonials, reviews and success stories reflect the experiences of individual clients.

Individual experiences are not necessarily representative of every customer, and past results do not guarantee future mortgage approval, loan terms, savings or results.

Any loan scenario discussed in a testimonial was based on that borrower’s individual circumstances and the lending guidelines available at that time.

Third-Party Information and Links

This website may contain information, calculators, reviews, market data or links provided by third parties.

Mortgage Disrupters does not control and is not responsible for the content, availability, accuracy, security, privacy practices or policies of unaffiliated third-party websites.

A link to a third-party website does not necessarily constitute an endorsement of the third party or its products and services.

No Legal, Tax or Financial Advice

The information on this website is not intended to provide legal, accounting, investment, credit-repair or tax advice.

Consumers should consult qualified legal, tax, insurance and financial professionals regarding their individual circumstances.

Electronic Communications and SMS Disclosure

Use this section when a website form collects a telephone number:

By providing your telephone number and submitting a website form, you agree that Mortgage Disrupters and its service providers may contact you regarding your inquiry, mortgage application, requested services, appointments and related follow-up. Communications may include telephone calls, emails and text messages, including messages sent using automated technology where permitted by law. Consent to receive marketing communications is not a condition of obtaining a mortgage product or service. Message frequency varies. Message and data rates may apply. Reply STOP to a text message to opt out or HELP for assistance.

Consumers must be able to revoke consent through reasonable methods, and FCC rules treat texts as communications covered by TCPA requirements.

Add this statement only when it accurately reflects Mortgage Disrupters’ data practices:

Mobile information, telephone numbers and SMS consent records will not be sold or shared with third parties or affiliates for their independent marketing or promotional purposes. Information may be shared with service providers that assist Mortgage Disrupters in delivering requested communications and services, subject to appropriate confidentiality and data-protection requirements.

The website’s form checkbox, privacy policy, SMS terms and actual GHL communication practices must all be consistent.

Privacy and Information Security

Personal information submitted through this website will be handled in accordance with the Mortgage Disrupters Privacy Policy and applicable law.

Sensitive documents should be submitted only through an approved secure application or document-upload portal.

Content may not be copied, republished, distributed or commercially used without written authorization, except as permitted by applicable law.

Changes to This Disclosure

Mortgage Disrupters may revise this disclosure periodically to reflect changes in its business practices, mortgage programs, technology, regulatory requirements or applicable law.

Last updated: July 20 2026

Required Texas Consumer Complaint Notice

Use this homepage link title:

Texas Consumer Complaint Notice

Place the official 7 TAC §56.200(c) notice immediately below the general website disclosure or on its own linked page.

The current notice is a shortened, one-paragraph Texas resident notice; SML confirmed that the former two-paragraph version was replaced during the rules update effective November 23, 2024.