Terms & Conditions

By accessing and using this website, operated by Gico Business Group, Inc. DBA Smart Mortgage Group ("Smart Mortgage Group," "we," "us," or "our"), you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, please do not use our website.

Smart Mortgage Group is a licensed mortgage brokerage (NMLS #2852342). We provide professional guidance and personalized service to help customers understand the mortgage process and their available options. Smart Mortgage Group is not a direct lender and does not directly fund loans.

This website is intended for consumers to contact Smart Mortgage Group directly, request information, schedule a conversation, and communicate with our team. You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use of the website.

Information presented on this website is for informational purposes only and does not constitute a commitment to lend or extend credit. Information is subject to change without notice. All loans are subject to applicable credit approval, underwriting requirements, and other restrictions.

By voluntarily opting in to SMS communications from Smart Mortgage Group, you agree to receive text messages related to your inquiry, appointments, application or transaction updates, and customer service.

Message frequency varies.

Message and data rates may apply.

Reply STOP at any time to unsubscribe.

Reply HELP for assistance or contact Smart Mortgage Group at (562) 321-5191.

Consent to receive SMS messages is not a condition of purchasing any goods or services.

Carriers are not liable for delayed or undelivered messages.

All content on this website, including text, graphics, logos, and design, is the property of Smart Mortgage Group or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

This website may contain links to third-party websites for your convenience. We are not responsible for the content, privacy practices, or accuracy of these external sites.

This website is provided "as is" without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of harmful components.

To the fullest extent permitted by law, Smart Mortgage Group shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use this website.

We may update these Terms & Conditions from time to time. Changes will be posted on this page with an updated revision date. Continued use of the website after changes constitutes acceptance of the revised terms.

These Terms & Conditions are governed by the laws of the State of California without regard to conflict of law principles.

If you have questions about these Terms & Conditions, please contact us: