Privacy Policy

Information We Collect

In the course of providing mortgage services, we may collect the following types of information:

• Personal Information: name, address, phone number, email address, date of birth, and Social Security number.
• Financial Data: income, employment history, bank statements, tax returns, asset and liability information.
• Credit Information: credit reports and credit scores obtained with your authorization from consumer reporting agencies.
• Property Information: details about the property you are purchasing or refinancing, including appraisal data.
• Website Usage Data: IP address, browser type, pages visited, and other analytics data collected through cookies and similar technologies.

How We Use Your Information

We use the information we collect to:

• Process and evaluate your mortgage loan application.
• Communicate with you about your loan status, required documents, and closing details.
• Verify your identity, income, assets, and creditworthiness.
• Comply with federal and state regulations, including the Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), and the Gramm-Leach-Bliley Act (GLBA).
• Improve our website, services, and customer experience.
• Send you relevant updates or educational content related to your mortgage, with your consent.

Information Sharing

We do not sell your personal information. We may share your information with the following parties as necessary to complete your loan transaction:

• Lenders and Investors: to underwrite, fund, and service your mortgage loan.
• Loan Servicers: third parties that may manage your loan payments after closing.
• Credit Bureaus: to obtain credit reports and, after closing, to report your loan payment history.
• Title and Escrow Companies: to facilitate closing and settlement.
• Government Agencies: as required by law, including for compliance with HMDA reporting and other regulatory obligations.
• Service Providers: technology platforms and vendors that assist us in processing applications, communicating with borrowers, and maintaining our systems, subject to confidentiality obligations.

Data Security

We take the security of your personal information seriously. We implement industry-standard administrative, technical, and physical safeguards to protect your data from unauthorized access, disclosure, alteration, or destruction. These measures include encrypted data transmission (SSL/TLS), secure document storage, access controls, and regular security assessments. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

Your Rights

Depending on your state of residence, you may have the following rights regarding your personal information:

• Access: request a copy of the personal information we hold about you.
• Correction: request that we correct inaccurate or incomplete information.
• Deletion: request that we delete your personal information, subject to certain legal and regulatory exceptions (for example, we are required to retain certain loan records).
• Opt-Out: opt out of marketing communications at any time by contacting us or using the unsubscribe link in our emails.

California residents may have additional rights under the California Consumer Privacy Act (CCPA). To exercise any of these rights, please contact us using the information below.

Cookies and Tracking

Our website may use cookies and similar tracking technologies to improve functionality, analyze site traffic, and personalize your experience. Cookies are small text files stored on your device. You can manage your cookie preferences through your browser settings. Disabling cookies may limit certain features of our website. We may also use third-party analytics services such as Google Analytics to understand how visitors interact with our site.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Any updates will be posted on this page with a revised "Last Updated" date. We encourage you to review this policy periodically.

Contact Information

If you have questions about this Privacy Policy or wish to exercise your rights, please contact us: