Legal Disclosures
Terms of Service
Effective Date: 11/24/25
Last Updated: 11/24/25
1. Acceptance of Terms
Welcome to Covey Financial LLC (“Covey Financial,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of our website (www.coveyfin.com) and related services. By accessing or using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.
If you do not agree to these Terms, you may not access or use our website or services.
2. About Covey Financial LLC
Covey Financial LLC is a mortgage loan servicer licensed and regulated by federal and state authorities. We are not a mortgage lender, mortgage broker, or loan originator. Our services are limited to:
- Servicing residential mortgage loans on behalf of lenders and investors
- Collecting and processing mortgage payments
- Managing escrow accounts for taxes and insurance
- Maintaining loan records and providing customer service
- Loss mitigation and default management services
NMLS #1775323
3. Eligibility and Account Access
To use our online services, you must:
- Be at least 18 years of age
- Have a mortgage loan serviced by Covey Financial
- Provide accurate and complete information
- Maintain the security of your account credentials
3.1 Account Security
You are responsible for:
- Maintaining the confidentiality of your account number and PIN
- All activities that occur under your account
- Notifying us immediately of any unauthorized use
- Ensuring your contact information is current
4. Use of Website and Services
4.1 Permitted Use
You may use our website and services for lawful purposes related to your mortgage loan, including:
- Viewing account information and payment history
- Making payments on your mortgage
- Downloading statements and tax documents
- Communicating with us about your loan
- Setting up automatic payments (ACH)
4.2 Prohibited Activities
You may not:
- Use our website or services for any illegal purpose
- Attempt to gain unauthorized access to our systems
- Interfere with or disrupt our website or services
- Use automated systems (bots, scrapers) without permission
- Transmit viruses, malware, or harmful code
- Impersonate another person or entity
- Collect or harvest information about other users
- Post or transmit offensive or inappropriate content
5. Payment Services
5.1 Payment Methods
We offer several payment options:
- Scheduled Payments (Free): Set up recurring automatic payments through your online account
- ACH/Bank Transfer (Free): Link your bank account for automatic payments
- Mail: Send payments to our payment processing center
- One-time Online Payment: Make a payment through our payment processor (fees apply as disclosed)
5.2 Payment Processing Fees
Third-party payment processors charge fees for certain payment methods. Current fees are disclosed on our website and at the time of payment. These fees are set by the payment processor, not Covey Financial, and we receive no portion of these fees.
5.3 Payment Processing and Timing
- Payments submitted online cannot be stopped, reversed, or returned once processed
- Payment processing may take several business days
- You are responsible for ensuring sufficient funds in your account
- We reserve the right to reject or return payments at our discretion
5.4 Returned Payment Fee
A $25 fee will be charged for payments returned due to insufficient funds, closed accounts, or other reasons.
6. Escrow Accounts
If your loan includes an escrow account, we will:
- Collect monthly escrow payments as part of your mortgage payment
- Pay property taxes and insurance premiums on your behalf when due
- Provide annual escrow account statements
- Conduct annual escrow analyses and adjust payments as necessary
You are responsible for:
- Providing current tax and insurance information
- Maintaining adequate insurance coverage
- Reviewing escrow statements for accuracy
7. Communications
7.1 Electronic Communications
By using our services, you consent to receive electronic communications from us, including:
- Account statements and notices
- Payment confirmations
- Escrow statements
- Tax documents
- Legal notices
7.2 Contact Methods
We may contact you via:
- Email to the address you provided
- Text message (if you opted in)
- Telephone
- Mail to your property address or mailing address
- Through your online account
7.3 Updating Contact Information
You must notify us promptly of any changes to your contact information, including email address, phone number, or mailing address.
8. Intellectual Property
All content on our website, including text, graphics, logos, images, and software, is the property of Covey Financial LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not:
- Copy, modify, or distribute our content without permission
- Use our trademarks or logos without written authorization
- Create derivative works based on our website or content
9. Third-Party Services and Links
Our website may contain links to third-party websites or integrate third-party services (such as payment processors). We are not responsible for:
- The content or privacy practices of third-party sites
- The performance or availability of third-party services
- Fees charged by third-party service providers
Your use of third-party services is subject to their own terms and conditions.
10. Disclaimers and Limitations of Liability
10.1 Website Availability
We strive to provide continuous access to our website and services, but we do not guarantee:
- Uninterrupted or error-free operation
- Freedom from viruses or harmful components
- Accuracy or completeness of information
THE WEBSITE AND SERVICES ARE PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.
10.2 Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, COVEY FINANCIAL LLC SHALL NOT BE LIABLE FOR:
- Indirect, incidental, consequential, or punitive damages
- Loss of profits, data, or business opportunities
- Damages resulting from website downtime or errors
- Damages caused by third-party service providers
Some states do not allow the exclusion or limitation of certain damages, so these limitations may not apply to you.
11. Indemnification
You agree to indemnify, defend, and hold harmless Covey Financial LLC, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from:
- Your violation of these Terms
- Your use of our website or services
- Your violation of any law or regulation
- Your violation of any rights of third parties
12. Modification of Terms
We reserve the right to modify these Terms at any time. We will notify you of material changes by:
- Posting the updated Terms on our website with a new effective date
- Sending notice to your email address on file
- Providing notice through your online account
Your continued use of our website or services after changes become effective constitutes acceptance of the modified Terms.
13. Termination
We may suspend or terminate your access to our website or services at any time, with or without notice, for:
- Violation of these Terms
- Fraudulent or illegal activity
- Any reason at our sole discretion
Your access will automatically terminate when your loan is paid off or transferred to another servicer.
14. Governing Law and Dispute Resolution
14.1 Governing Law
These Terms are governed by the laws of the State of Texas and applicable federal laws, without regard to conflict of law principles.
14.2 Dispute Resolution
Before filing any legal action, you agree to first contact us to attempt to resolve the dispute informally. You may contact us at:
Covey Financial LLC
P.O. Box 790892
San Antonio, TX 78279
Phone: 1-210-307-1218
Email: info@coveyfin.com
14.3 Jurisdiction and Venue
Any legal action arising from these Terms or your use of our services must be brought in the state or federal courts located in Bexar County, Texas. You consent to the personal jurisdiction of these courts.
15. Arbitration Agreement (Optional – Review with Legal Counsel)
16. Miscellaneous Provisions
16.1 Entire Agreement
These Terms, together with our Privacy Policy and any other agreements you have with us, constitute the entire agreement between you and Covey Financial regarding your use of our website and services.
16.2 Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
16.3 Waiver
Our failure to enforce any right or provision of these Terms will not constitute a waiver of that right or provision.
16.4 Assignment
You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms at any time without notice.
16.5 Force Majeure
We are not liable for any failure or delay in performance due to circumstances beyond our reasonable control, including natural disasters, acts of war, government actions, telecommunications failures, or power outages.
17. Special Notices
17.1 Equal Housing Opportunity
Covey Financial LLC supports the principles of the Fair Housing Act and the Equal Credit Opportunity Act.
17.2 Language Assistance
If you need assistance in a language other than English, please contact us at 1-210-307-1218.
17.3 Accessibility
We are committed to making our website accessible to all users. If you experience difficulty accessing any part of our website, please contact us for assistance.
18. Contact Information
For questions about these Terms of Service, please contact us:
Covey Financial LLC
P.O. Box 790892
San Antonio, TX 78279
Phone: 1-210-307-1218
Email: info@coveyfin.com
Website: www.coveyfin.com
NMLS #1775323
By using our website and services, you acknowledge that you have read and agree to these Terms of Service.
Your Rights as a Borrower
1. Your Rights Under the Real Estate Settlement Procedures Act (RESPA)
RESPA is a federal law that provides important protections for mortgage borrowers. Under RESPA, you have the right to:
- Timely and accurate information about your mortgage loan
- Request information about your loan
- Report errors on your account
- Be protected from certain abusive servicing practices
- Receive advance notice before your loan is transferred to a new servicer
2. Requesting Information About Your Loan
2.1 What is a Request for Information (RFI)?
You have the right to request information about your mortgage loan by submitting a Request for Information. You can ask about:
- The identity, address, and contact information of the owner or assignee of your loan
- Payment history or account statements
- Escrow account information
- Explanation of fees or charges
- Payoff amounts and how they were calculated
- Any other information related to the servicing of your loan
2.2 How to Submit a Request for Information
Covey Financial LLC
Attn: Customer Service – Request for Information
P.O. Box 790892
San Antonio, TX 78279
Email: info@coveyfin.com (Please include “Request for Information” in the subject line)
Your request should include:
- Your name and account number
- A clear description of the information you are requesting
- Your contact information (phone number and email address)
- Any supporting documentation
2.3 Our Response Timeline
We will respond to your Request for Information within 30 days (or 15 business days, whichever is earlier) after we receive it. Our response will:
- Provide the requested information, or
- Explain why the information is not available, or
- Explain that we need additional information from you
3. Reporting Errors on Your Account
3.1 What is a Notice of Error (NOE)?
If you believe there is an error with your mortgage account, you have the right to submit a Notice of Error. Errors may include:
- Payments not credited to your account
- Incorrect payment amount, interest rate, or principal balance
- Incorrect escrow calculations or payments
- Improper fees or charges
- Failure to provide accurate payoff amounts
- Failure to provide accurate information in response to a previous inquiry
- Incorrect credit reporting information
- Any other error related to the servicing of your loan
3.2 How to Submit a Notice of Error
Covey Financial LLC
Attn: Customer Service – Notice of Error
P.O. Box 790892
San Antonio, TX 78279
Email: info@coveyfin.com (Please include “Notice of Error” in the subject line)
Your notice should include:
- Your name and account number
- A clear description of the error
- An explanation of why you believe it is an error
- The dollar amount of the error (if applicable)
- Copies of any documents that support your claim
- Your contact information
3.3 Our Response Timeline
| Timeframe | Action |
|---|---|
| Within 5 business days | We will acknowledge receipt of your Notice of Error |
| Within 30 days (or 15 business days, whichever is earlier) | We will investigate and either:
|
- Report negative information to credit bureaus
- Charge late fees related to the disputed amount
- Initiate foreclosure proceedings
- Move forward with a foreclosure sale
4. Protection from Improper Practices
4.1 Force-Placed Insurance
We may only charge you for force-placed insurance if:
- Your insurance has lapsed or is insufficient
- We have sent you the required notices
- You have not provided proof of adequate insurance
If you obtain adequate insurance, we must cancel the force-placed insurance and refund any premiums paid for overlapping coverage.
4.2 Prompt Payment Crediting
We must credit your payment to your account as of the date we receive it, as long as:
- The payment includes sufficient information to credit the account
- The payment is in a form we accept
- The payment is received at the correct address
4.3 Partial Payment Policy
If you make a partial payment (less than the full amount due), we may:
- Hold the payment in a suspense account until you pay the remainder
- Return the payment to you
- Accept the payment and apply it to your account
We will inform you of our partial payment policy upon request.
5. Protections Related to Loss Mitigation
5.1 Loss Mitigation Applications
If you are having difficulty making your mortgage payments, you may apply for loss mitigation assistance (such as loan modification, forbearance, or repayment plans).
We will notify you within 5 business days if your application is complete or if we need additional information.
5.2 Dual Tracking Prohibition
If you have submitted a complete loss mitigation application, we generally cannot:
- Make the first notice or filing required for foreclosure
- Move forward with a foreclosure sale
There are certain exceptions to this rule, which we will explain if applicable.
5.3 Appeal Rights
If your loss mitigation application is denied, you have the right to appeal the decision within 14 days of receiving the denial notice.
6. Servicing Transfer Protections
If your loan is transferred to a new servicer:
- You will receive notice at least 15 days before the transfer date
- Your current servicer must send you a goodbye notice
- Your new servicer must send you a hello notice
- You have a 60-day grace period during which you cannot be charged late fees if you send your payment to the old servicer by mistake
7. Annual Escrow Statements
If you have an escrow account, you will receive an annual statement showing:
- All deposits into and payments from your escrow account
- The projected activity for the coming year
- Any escrow shortage or surplus
- Changes to your monthly payment amount
8. Periodic Billing Statements
You will receive a billing statement for each billing cycle (generally monthly) that shows:
- Amount due and due date
- Explanation of the amount due
- Transaction activity since the last statement
- Fees charged (if any)
- Contact information for assistance
9. Payoff Statements
You have the right to request a payoff statement, which will show the amount required to pay off your loan in full. We will provide this information within 7 business days of your request.
10. State-Specific Rights
Texas Residents
Department of Savings and Mortgage Lending
2601 North Lamar, Suite 201
Austin, TX 78705
Toll-Free Consumer Hotline: 1-877-276-5550
Website: www.sml.texas.gov
Email: smlinfo@sml.texas.gov
Residents of other states: Contact information for your state regulatory agency is available on our Licensing page at www.coveyfin.com/licensing
11. Filing a Complaint with Federal Regulators
If you believe your rights have been violated or you are not satisfied with our response, you may file a complaint with:
P.O. Box 4503
Iowa City, IA 52244
Phone: 1-855-411-2372 (CFPB)
Website: www.consumerfinance.gov/complaint
TTY/TDD: 1-855-729-2372
12. Additional Resources
Homeowner Assistance Programs
Many states offer homeowner assistance programs that can help with mortgage payments, property taxes, and insurance. Visit our website to find programs available in your state: www.coveyfin.com
Housing Counseling
Free or low-cost housing counseling is available through HUD-approved agencies. To find a housing counselor:
- Call HUD at 1-800-569-4287
- Visit www.consumerfinance.gov/find-a-housing-counselor
13. How to Contact Us
Phone: 1-210-307-1218
Email: info@coveyfin.com
Hours: Monday – Friday, 8:00 AM – 5:00 PM Central Time
Mailing Address:
Covey Financial LLC
P.O. Box 790892
San Antonio, TX 78279
Website: www.coveyfin.com
NMLS: #1775323
14. Important Reminders
- Always keep copies of all correspondence you send to us
- Send written requests via certified mail (return receipt requested) if you want proof of delivery
- Include your loan account number on all correspondence
- Keep records of all phone conversations (date, time, person spoken to, summary of conversation)
- Continue making payments while we investigate any disputes (unless otherwise advised)
15. Language Assistance
If you need assistance in a language other than English, please call us at 1-210-307-1218. We will arrange for language assistance at no cost to you.
This document provides general information about your rights as a borrower. It does not constitute legal advice. If you have specific legal questions, please consult with an attorney.
Last Updated: 11/24/25
Accessibility Statement
Last Updated: 11/24/25
Our Commitment to Accessibility
Covey Financial LLC is committed to ensuring digital accessibility for all people, including those with disabilities. We are continually improving the user experience for everyone and applying the relevant accessibility standards to ensure we provide equal access to all of our users.
Conformance Standards
We strive to conform to the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA standards. These guidelines explain how to make web content more accessible for people with disabilities and user-friendly for everyone.
Our goal is to ensure our website is accessible to people with diverse abilities, including those who:
- Are blind or have low vision
- Are deaf or hard of hearing
- Have limited mobility or dexterity
- Have cognitive or learning disabilities
- Use assistive technologies
Measures to Support Accessibility
Covey Financial LLC takes the following measures to ensure accessibility of our website:
- Include accessibility as part of our website design and development processes
- Provide continual accessibility training for our staff
- Employ automated and manual testing methods to evaluate accessibility
- Work with external accessibility consultants when needed
- Include people with disabilities in our user testing processes
- Regularly review and update our accessibility practices
Accessibility Features
Our website includes the following accessibility features:
Navigation and Structure
- Clear and consistent navigation throughout the site
- Logical heading structure for screen reader users
- Skip navigation links to bypass repetitive content
- Descriptive page titles
- Keyboard-only navigation support
Content and Readability
- Clear and simple language
- Sufficient color contrast between text and background
- Resizable text without loss of functionality
- Alternative text for images and graphics
- Transcripts or captions for audio/video content (when applicable)
Forms and Interactions
- Clear form labels and instructions
- Error identification and correction suggestions
- Sufficient time to complete forms
- Visible focus indicators for keyboard navigation
Assistive Technology Compatibility
Our website is designed to work with commonly used assistive technologies, including:
- Screen readers (JAWS, NVDA, VoiceOver, TalkBack)
- Screen magnification software
- Speech recognition software
- Alternative input devices
Technical Specifications
The accessibility of our website relies on the following technologies:
- HTML5
- WAI-ARIA (Accessible Rich Internet Applications)
- CSS
- JavaScript
These technologies are relied upon for conformance with accessibility standards.
Browser and Device Compatibility
Our website is designed to work with current versions of the following browsers:
- Google Chrome
- Mozilla Firefox
- Microsoft Edge
- Apple Safari
We also support access from mobile devices and tablets using current operating systems (iOS and Android).
Known Limitations
Despite our best efforts to ensure accessibility, there may be some limitations. We are aware of the following areas where accessibility could be improved:
- Some PDF documents may not be fully accessible (we are working to remediate these)
- Third-party payment processing pages may have different accessibility standards
- Some older content may not meet current accessibility standards
We are actively working to address these limitations and improve the accessibility of all content on our website.
Third-Party Content
Some content on our website is provided by third parties, including:
- Payment processing services
- Document viewers
- Interactive maps
We work with our third-party vendors to ensure their services meet accessibility standards, but we may have limited control over the accessibility of their platforms.
Alternative Access Options
If you have difficulty accessing any content on our website or require an alternative format, we offer the following options:
Phone Assistance
Our customer service representatives are available to assist you by phone:
- Phone: 1-210-307-1218
- Hours: Monday – Friday, 8:00 AM – 5:00 PM Central Time
Alternative Formats
We can provide documents and information in alternative formats, including:
- Large print
- Plain text
- Accessible PDF
- Email or postal mail
In-Person Assistance
For complex matters, we can arrange in-person meetings or video conferences with accommodations as needed.
Feedback and Contact Information
We welcome your feedback on the accessibility of our website. Please let us know if you encounter accessibility barriers on our website:
Accessibility Coordinator
Covey Financial LLC
P.O. Box 790892
San Antonio, TX 78279
Phone: 1-210-307-1218
Email: accessibility@coveyfin.com
(Alternative: info@coveyfin.com with “Accessibility” in subject line)
When contacting us about accessibility, please include:
- The specific page or feature you had difficulty accessing
- A description of the problem
- The assistive technology you were using (if applicable)
- Your contact information so we can follow up
We will respond to your feedback within 3-5 business days and work with you to find a solution.
Formal Complaints
If you are not satisfied with our response to your accessibility concerns, you may file a formal complaint with:
U.S. Department of Housing and Urban Development (HUD)
451 7th Street S.W.
Washington, DC 20410
Phone: 1-800-669-9777
TTY: 1-800-927-9275
Website: www.hud.gov/fairhousing
U.S. Department of Justice
950 Pennsylvania Avenue, N.W.
Washington, DC 20530
ADA Information Line: 1-800-514-0301
TTY: 1-833-610-1264
Website: www.ada.gov
Assessment and Testing
We regularly assess the accessibility of our website through:
- Automated accessibility testing tools
- Manual testing by accessibility experts
- User testing with people with disabilities
- Third-party accessibility audits
Most Recent Assessment: 11/24/25
Ongoing Improvements
Accessibility is an ongoing effort. We are committed to:
- Regularly monitoring our website for accessibility issues
- Promptly addressing reported accessibility problems
- Updating our website to incorporate new accessibility best practices
- Training our staff on accessibility requirements
- Including accessibility requirements in procurement processes for new technologies
Legal Standards
Covey Financial LLC strives to comply with applicable accessibility laws and regulations, including:
- Americans with Disabilities Act (ADA)
- Section 508 of the Rehabilitation Act
- Web Content Accessibility Guidelines (WCAG) 2.1 Level AA
- State and local accessibility requirements
Additional Accessibility Resources
For more information about web accessibility, we recommend the following resources:
- Web Accessibility Initiative (WAI): www.w3.org/WAI
- WebAIM: webaim.org
- ADA.gov: www.ada.gov
This accessibility statement applies to: www.coveyfin.com and all associated subdomains
This statement was last reviewed and updated: 11/24/25
Covey Financial LLC | NMLS #1775323
We are committed to ensuring our website is accessible to everyone.
