SMS Terms and Conditions
Program name: EPiQ Lending Text Messaging
Sender: EVO Home Loans, LLC dba EPiQ Lending (NMLS #1936984), from our loan officers' business numbers, such as Ricky Khamis at (480) 999-9842, and our loan status line, 480-418-4399
Message frequency: varies with your inquiry and loan activity
Message and data rates may apply.
Opt out: reply STOP at any time. Help: reply HELP or call (480) 999-9842.
Effective October 18, 2026
1. Program description
When you opt in, EPiQ Lending and its loan officers send one-to-one conversational and informational text messages about your home loan inquiry, application, documents, appointments and loan status, and about mortgage transactions you are part of as a borrower, co-borrower, real estate agent, transaction coordinator or other transaction party. Messages include replies to your questions, loan status updates, milestone notifications (for example: submitted to processing, appraisal received, clear to close, funded), rate lock and deadline reminders, appointment and document reminders, replies to questions you send us, and post-closing homeowner check-ins. Messages relate to your inquiry, loan or transaction. We do not send unsolicited promotional text messages.
2. How you opt in
You opt in on our website only, in one of two ways: (1) by entering your mobile number and checking the required consent box on our text sign-up page, or (2) by checking the optional, unchecked text box on one of our lead forms. The box is never pre-checked. We do not collect text consent verbally or by keyword. Consent is recorded with the date and time before any message is sent. See how we collect consent. Consent to receive text messages is not a condition of purchasing any property, goods or services, including a loan.
When you opt in, you will receive a confirmation message: "EPiQ Lending: You're opted in to texts from your loan officer about your home loan. Msg frequency varies. Msg & data rates may apply. Reply HELP for help, STOP to opt out."
3. How to opt out
Reply STOP (or UNSUBSCRIBE, END, QUIT, CANCEL) to any message at any time to cancel. You will receive one final message confirming you are unsubscribed. After that, no further messages are sent unless you opt in again. Opting out of text messages does not affect your loan; we will continue to communicate by email and phone.
4. Help
Reply HELP to any message, call (480) 999-9842, or email ricky.khamis@epiqlending.com.
5. Carriers and cost
Message and data rates may apply according to your wireless plan. Supported carriers include AT&T, T-Mobile, Verizon and most regional carriers. Carriers are not liable for delayed or undelivered messages. Delivery is subject to carrier availability.
6. Privacy
Your mobile number and text messaging opt-in data are used only to send the messages described above. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. See our Privacy Policy for full details on how we collect, use and protect your information.
7. Your responsibilities
You confirm that you are the account holder or have the account holder's permission for the mobile number you provide, that you are at least 18 years old, and that you will notify us if you change or give up your number. Text messages are not encrypted end to end; do not send Social Security numbers, account numbers or other sensitive financial information by text. Use our secure loan portal or call us instead.
8. Changes and termination
We may modify or end the program at any time. Changes to these terms are effective when posted on this page.
9. Contact
EVO Home Loans, LLC dba EPiQ Lending
7975 N. Hayden Rd., Suite A-101, Scottsdale, AZ 85258
(480) 999-9842 · ricky.khamis@epiqlending.com
Ricky Khamis, President · NMLS 173141 · EPiQ Lending NMLS 1936984