Accessibility Statement

Refine Mortgage Inc. is committed to ensuring that our website, loan officer microsites, and digital services are accessible to all individuals, including those with disabilities. We believe that everyone deserves equal access to information about homeownership and mortgage financing. We continuously work to improve the accessibility of our platform and welcome feedback from users on how we can better serve their needs.

• Text alternatives are provided for all non-text content, including images, icons, and graphics
• Captions and transcripts are available for video and audio content where applicable
• Content can be presented in different ways without losing information or structure
• Sufficient color contrast is maintained between text and backgrounds (minimum 4.5:1 for normal text)
• Text can be resized up to 200% without loss of content or functionality

• All functionality is available from a keyboard without requiring a mouse
• No content is designed in a way that is known to cause seizures or physical reactions
• Users have enough time to read and use content (no auto-refreshing without user control)
• Navigation is consistent across pages and includes skip links to main content
• Page titles, headings, and labels describe topic or purpose clearly

• Content is readable and understandable using clear, plain language
• Navigation and functionality operate in predictable ways across the site
• Form inputs have associated labels and clear error messages
• Helpful instructions and context are provided for complex interactions
• Legal and financial terms are explained where necessary

Our platform is designed to work with current and future assistive technologies. We use semantic HTML, valid markup, and ARIA attributes where appropriate to ensure compatibility with screen readers, magnification software, voice recognition tools, and alternative input devices. We regularly test our platform with various assistive technologies to identify and resolve compatibility issues.

• Semantic HTML: Proper use of heading hierarchy (H1-H6), landmark regions, and list structures
• ARIA Labels: Descriptive labels for interactive elements, status messages, and dynamic content
• Skip Navigation: Links to skip to main content available on all pages for keyboard users
• Alternative Text: Meaningful alt text for all informative images; decorative images marked appropriately
• Form Labels: All form inputs have associated labels, error messages, and helpful validation
• Focus Indicators: Visible focus states for all interactive elements using high-contrast outlines
• Responsive Zoom: Content remains functional and readable when zoomed to 200%
• Color Independence: Information is never conveyed by color alone; patterns and labels supplement color coding

• Third-Party Embedded Content: Some third-party services integrated into our platform (such as eSign providers, Arive loan origination system, or external widgets) may not fully meet WCAG 2.1 Level AA standards. We work with these providers to encourage accessibility improvements.
• PDF Documents: Some downloadable PDF documents, particularly older forms or third-party disclosures, may not be fully accessible. We are working to remediate these documents and can provide alternative formats upon request.
• User-Generated Content: Content uploaded by individual loan officers to their microsites may vary in accessibility. We provide guidelines and tools to help loan officers create accessible content.

• We test and support the following assistive technologies:
• Screen Readers: JAWS (Windows), NVDA (Windows), VoiceOver (macOS/iOS), TalkBack (Android)
• Voice Recognition: Dragon NaturallySpeaking, Windows Speech Recognition, macOS Dictation
• Alternative Input: Switch controls, eye tracking, head tracking, on-screen keyboards
• Browser Extensions: Accessibility toolbars, color contrast analyzers, readability enhancers
• If you use assistive technology not listed here and experience difficulties, please contact us so we can investigate and improve compatibility.

• We welcome your feedback on the accessibility of our platform. If you encounter accessibility barriers or have suggestions for improvement, please contact us:
• Email: accessibility@refinemortgage.com
• Phone: (980) 247-0549
• When reporting accessibility issues, please include:
• A description of the problem you encountered
• The URL of the page where you experienced the issue
• The assistive technology and browser you are using (e.g., "NVDA with Chrome")
• Your preferred contact method for follow-up
• We aim to respond to accessibility feedback within 5 business days and to propose a solution within 10 business days.

• If you are unable to access any content on our website or need assistance with any feature, we offer alternative ways to access our services:
• Phone: (980) 247-0549 (Monday–Friday, 9:00 AM–5:00 PM Eastern Time)
• Email: accessibility@refinemortgage.com (monitored during business hours)
• In-Person: By appointment at our Fort Mill, SC office
• We can provide information and services by phone, email, or mail at no additional cost. Our team is trained to assist individuals with disabilities and will work with you to find the best way to meet your needs.

• We are committed to continuous improvement in accessibility. Our ongoing efforts include:
• Regular accessibility audits using automated tools and manual testing
• Training for our development team on accessibility best practices
• Including accessibility requirements in our design and development process
• Monitoring user feedback and addressing accessibility concerns promptly
• Staying current with evolving WCAG standards and assistive technologies
• We conduct formal accessibility reviews at least annually and remediate identified issues as quickly as possible.

Refine Mortgage Inc. strives to ensure that our digital services comply with the Americans with Disabilities Act (ADA) and Section 508 of the Rehabilitation Act. We make good-faith efforts to meet or exceed WCAG 2.1 Level AA standards. While we work diligently to maintain accessibility, we recognize that issues may occasionally arise. If you believe we have not adequately addressed your accessibility needs, please contact us directly so we can work toward a resolution.