Privacy Policy

Last Updated: August 18, 2026

1. Introduction

This Privacy Policy describes how we collect, use, disclose, retain, and protect personal information when you visit or interact with our website, use our online services, submit an inquiry or loan-related request, or otherwise communicate with us (collectively, the “Service”). It also describes privacy rights that may be available to you under applicable law.

Additional privacy notices may apply to certain information, products, services, or relationships. For example, financial institutions may be required to provide separate privacy notices under the Gramm-Leach-Bliley Act (“GLBA”), Regulation P, and applicable state financial privacy laws. Where required, we may also provide additional notices at or before the time personal information is collected.

This Privacy Policy is intended to describe our privacy practices and does not create contractual rights beyond those provided by applicable law.

2. Information We Collect

The information we collect depends on how you interact with us and the products or services you request.

Personal Information You Provide

When you interact with the Service, including when you complete a contact form, request information, request a mortgage quote, begin or submit a loan application, schedule an appointment, subscribe to communications, or otherwise contact us, we may collect information such as:

First and last name
Email address
Telephone number
Mailing address, city, state, and ZIP code
Property address and property-related information
Information about the type of mortgage or financial product you are interested in
Employment and income information
Asset, debt, and other financial information
Loan amount, property value, down payment, and transaction information
Information necessary to evaluate, process, or service a loan inquiry or application
Communications and correspondence you send to us
Appointment or scheduling information
Any other information you voluntarily provide

Sensitive Personal Information

Depending on the services you request, we may receive information that is considered sensitive personal information under applicable law. This may include Social Security numbers, driver’s license or other government identification information, financial account information, authentication information, and certain demographic information required or permitted in connection with mortgage lending.

We generally use sensitive personal information only as reasonably necessary to provide requested products or services, process or service financial transactions, prevent fraud, verify identity, comply with legal or regulatory requirements, or for other purposes permitted by applicable law.

Do not submit Social Security numbers, financial account credentials, or similarly sensitive information through ordinary email, SMS/text message, or general website contact forms unless the form is specifically designed and secured for that purpose.

Usage and Device Information

When you use the Service, certain information may be collected automatically, including:

Internet Protocol (IP) address
Browser type and version
Device type and operating system
Pages or features you visit
Date and time of your visit
Time spent on pages
Referring and exit pages
Unique device or advertising identifiers
Approximate geographic location derived from an IP address
Interactions with advertisements, forms, links, and website features
Other diagnostic, analytics, and usage information

3. Sources of Personal Information

We may collect personal information from the following categories of sources:

Directly from you, including through website forms, loan inquiries, applications, phone calls, emails, text messages, and other communications.
Automatically from your device or browser, including through cookies, pixels, analytics tools, server logs, and similar technologies.
Service providers and business partners, such as customer relationship management platforms, loan origination systems, marketing providers, analytics providers, verification services, lenders, settlement providers, and other parties involved in providing requested products or services.
Publicly available or lawfully obtained sources, where permitted by applicable law.
Referral sources, where another person or business has referred you to us or provided information with appropriate authorization.

4. SMS, Telephone, and Electronic Communications

If you provide a telephone number or email address, we may use that information to respond to your inquiry and communicate with you regarding requested products or services.

Service Communications: We may contact you regarding an inquiry, application, appointment, transaction, account, requested service, or other business relationship.
Marketing Communications: We may send marketing emails, text messages, or telephone communications where permitted by law and, where required, after obtaining appropriate consent.
Consent Is Not a Condition of Service: Where consent is requested for marketing calls or text messages, consent is not required as a condition of purchasing goods or services or obtaining a mortgage quote or loan-related service.
Message Frequency: Message frequency may vary depending on your interactions with us and the services you request.
SMS Opt-Out: You may opt out of text messages by replying STOP to a message or by contacting us directly. Message and data rates may apply.
Marketing Email Opt-Out: Marketing emails generally include an unsubscribe option. You may also contact us to update your communication preferences.
Do Not Call Requests: You may ask to be placed on our internal Do Not Call list for applicable marketing communications.
Service Providers: We may use third-party communications platforms to send email, SMS, or telephone communications on our behalf.

Call Recording and Monitoring

Calls may be monitored or recorded for quality assurance, training, documentation, security, compliance, or other legitimate business purposes where permitted by applicable law. Where applicable law requires notice or consent before recording, we will provide the required notice or obtain the required consent.

Telephone and SMS communications may not be appropriate for transmitting highly sensitive personal or financial information. Please use secure methods provided by us when submitting sensitive information.

5. Cookies and Tracking Technologies

We and third parties that provide services to us may use cookies, pixels, tags, scripts, local storage, server logs, and similar technologies to operate the Service, remember preferences, understand website usage, measure marketing performance, prevent fraud, and provide advertising.

Types of Cookies and Technologies We May Use

Strictly Necessary Cookies: Technologies required for the website to operate, maintain security, remember privacy preferences, or provide requested functionality.
Functionality Cookies: Technologies used to remember preferences and improve website functionality.
Analytics and Performance Cookies: Technologies used to understand how visitors use the Service, diagnose technical issues, and improve website performance.
Advertising and Targeting Technologies: Technologies that may be used to measure advertising campaigns, understand interactions with advertisements, create audiences, or provide advertising that may be more relevant to your interests.

Depending on how our website is configured, we may use analytics, advertising, customer relationship management, call tracking, website hosting, form processing, scheduling, and other technology providers. These providers may collect information through our website in accordance with their respective agreements and privacy practices.

Cookie Preferences

Where available, you may manage optional cookies through the cookie or privacy preference controls provided on our website. You may also configure your browser to block or delete cookies. Blocking certain cookies may affect website functionality.

Global Privacy Control

Where required by applicable law, we recognize qualifying browser-based opt-out preference signals, including Global Privacy Control (“GPC”), as a request to opt out of the sale or sharing of personal information associated with the browser or device transmitting the signal.

Do Not Track

Some web browsers offer a “Do Not Track” (“DNT”) setting. Because there is not a universally accepted standard governing traditional DNT signals, our Service does not currently respond to DNT signals. This is separate from qualifying opt-out preference signals such as GPC, which we process where required by applicable law.

Third-Party Tracking

Third parties, including analytics and advertising providers, may collect information about your online activities over time and across different websites or online services when you use our Service, depending on the technologies deployed on our website and your privacy choices.

6. How We Use Personal Information

We may use personal information for purposes including:

Providing, operating, maintaining, and securing the Service
Responding to inquiries and requests
Providing mortgage, lending, or other requested financial information
Evaluating, processing, underwriting, facilitating, or servicing loan inquiries and applications, where applicable
Verifying identity and information provided to us
Communicating regarding inquiries, applications, transactions, appointments, or services
Managing customer and prospective-customer relationships
Sending educational, informational, or marketing communications where permitted by law
Operating and improving website forms, calculators, scheduling tools, and other features
Analyzing website usage and measuring website performance
Measuring marketing and advertising effectiveness
Preventing fraud, abuse, security incidents, and unlawful activity
Troubleshooting technical issues
Maintaining records and complying with legal, licensing, regulatory, tax, accounting, and reporting obligations
Establishing, exercising, or defending legal rights
Enforcing agreements and policies
Completing a corporate transaction such as a merger, acquisition, financing, restructuring, or sale of assets
Other purposes disclosed at the time information is collected or with your consent

7. How We Disclose Personal Information

We may disclose personal information to the following categories of recipients where appropriate:

Service Providers and Contractors

We may disclose information to companies that perform services on our behalf, such as:

Website hosting and infrastructure providers
Cloud storage and data backup providers
Email, SMS, and telephone communication providers
Customer relationship management (“CRM”) and lead management platforms
Analytics providers
Advertising and marketing providers
Call tracking providers
Scheduling providers
Loan origination and mortgage technology platforms
Document preparation and electronic signature providers
Identity, employment, income, asset, and fraud verification providers
Credit reporting agencies and credit-related service providers, where authorized and permitted by law
Customer service and technical support providers
Professional advisers, auditors, consultants, and legal providers

Where required by applicable law, our agreements with service providers, contractors, and other recipients include restrictions concerning the collection, use, disclosure, retention, or protection of personal information.

Lenders and Mortgage Transaction Participants

If you request a mortgage product or service, information may be disclosed as reasonably necessary to evaluate, process, arrange, close, fund, or service the requested transaction. Recipients may include lenders, investors, loan program providers, mortgage insurers, credit reporting agencies, verification providers, appraisers, title companies, escrow or settlement providers, insurance providers, government agencies, and other parties involved in the mortgage transaction.

Affiliates

Where applicable, we may disclose information to companies under common ownership or control, subject to applicable financial privacy and consumer privacy laws.

Advertising and Analytics Providers

Depending on the technologies used on our website, information such as identifiers, device information, Internet activity, approximate location, and interactions with our Service may be disclosed to analytics or advertising providers. Some state privacy laws may characterize certain advertising-related disclosures as a “sale” or “sharing” of personal information even when no money is exchanged.

Legal and Regulatory Disclosures

We may disclose information when required or permitted by law, regulation, subpoena, court order, governmental request, examination, audit, or other legal process. We may also disclose information where reasonably necessary to detect or prevent fraud or unlawful activity; protect our rights, security, property, employees, customers, or others; or establish, exercise, or defend legal claims.

Business Transactions

Information may be disclosed or transferred in connection with a proposed or completed merger, acquisition, financing, reorganization, bankruptcy, sale of assets, transfer of servicing rights, or similar business transaction, subject to applicable law.

At Your Direction or With Your Consent

We may disclose information at your direction, with your consent, or for another purpose disclosed when the information is collected.

8. Sale and Sharing of Personal Information

We do not sell personal information in exchange for money.

However, certain state privacy laws, including the California Consumer Privacy Act as amended by the California Privacy Rights Act (“CCPA/CPRA”), define “sale” and “sharing” more broadly. Certain uses of advertising cookies, pixels, or similar technologies may constitute a sale or sharing of personal information for cross-context behavioral advertising even when no money is exchanged.

If our practices constitute a sale or sharing under applicable law, eligible consumers may opt out using the privacy preference controls or “Do Not Sell or Share My Personal Information,” “Your Privacy Choices,” or similar link available on our website, where applicable. Qualifying opt-out preference signals such as GPC will also be processed where required by law.

We do not knowingly sell or share the personal information of consumers under 16 years of age in circumstances requiring affirmative authorization under California law.

9. Retention of Personal Information

We retain personal information for no longer than reasonably necessary for the purposes for which it was collected and processed, subject to legal, regulatory, licensing, contractual, accounting, fraud-prevention, litigation, and recordkeeping requirements.

The criteria used to determine retention periods may include:

The nature of our relationship with you
The type and sensitivity of the information
The purpose for which the information was collected
Whether the information is associated with a mortgage inquiry, application, transaction, or customer relationship
Applicable federal and state record-retention requirements
Fraud prevention, security, auditing, and compliance needs
The need to establish, exercise, or defend legal rights

Mortgage and financial records may be subject to specific federal or state retention requirements that continue after a transaction is completed, withdrawn, cancelled, or denied.

10. Security of Personal Information

We use administrative, technical, and physical safeguards designed to protect personal information against unauthorized or unlawful access, destruction, loss, alteration, use, or disclosure. Safeguards may vary depending on the nature and sensitivity of the information and the systems through which it is processed.

However, no method of transmission over the Internet, electronic storage, or information security system can be guaranteed to be completely secure. You should use caution when transmitting personal information electronically and use secure methods provided for sensitive loan or financial information.

11. State Consumer Privacy Rights

Depending on your state of residence, the type of personal information involved, our relationship with you, and whether the applicable state privacy law applies to us or to the information at issue, you may have certain privacy rights.

These rights may include:

Right to Know or Access: The right to request information about personal information we have collected, used, disclosed, sold, or shared and, where applicable, receive a copy of that information.
Right to Delete: The right to request deletion of certain personal information, subject to legal exceptions and retention requirements.
Right to Correct: The right to request correction of inaccurate personal information.
Right to Data Portability: The right, where applicable, to receive personal information in a portable and technically feasible format.
Right to Opt Out of Sale: The right, where applicable, to direct a business not to sell personal information.
Right to Opt Out of Sharing or Targeted Advertising: The right, where applicable, to opt out of certain disclosures or processing for cross-context behavioral or targeted advertising.
Right to Limit Certain Uses of Sensitive Personal Information: Where applicable, the right to limit certain uses or disclosures of sensitive personal information when that information is used for purposes beyond those permitted without offering a limitation right.
Right to Appeal: In states that provide such a right, the ability to appeal a decision concerning a privacy request.
Right to Non-Discrimination: The right not to receive unlawful discriminatory treatment for exercising applicable privacy rights.

These rights are subject to exceptions and limitations under applicable law. Certain information may also be exempt because it is governed by federal or state financial privacy laws.

12. Exercising Your Privacy Rights

Where applicable, you may submit a privacy request using one or more of the following methods:

Online: [PRIVACY REQUEST FORM]
Email: [PRIVACY EMAIL]
Telephone: [PRIVACY / TOLL-FREE PHONE NUMBER]

If a dedicated privacy request method is provided elsewhere on our website, please use that method to help ensure your request is properly received and processed.

Verification

We may need to verify your identity before fulfilling certain privacy requests. Verification methods will depend on the nature of the request and the information involved. We will generally request only information reasonably necessary to verify the request.

Authorized Agents

Where permitted by applicable law, you may designate an authorized agent to submit a request on your behalf. We may require evidence that the agent is authorized to act for you and may also require you to verify your identity directly with us.

Response Timing

We will respond to valid privacy requests within the time required by applicable law. If additional time is permitted and reasonably necessary, we may extend the response period and will provide notice where required.

13. California Privacy Disclosures

This section provides additional information for California residents. Some provisions apply only if we are a “business” subject to the CCPA/CPRA or if the information at issue is otherwise covered by that law.

California Online Privacy Protection Act

California law requires certain operators of commercial websites and online services that collect personally identifiable information from California consumers to make specified disclosures regarding their online privacy practices.

This Privacy Policy describes:

The categories of personally identifiable information we may collect
The categories of parties with whom information may be disclosed
How consumers may contact us regarding their information
How material changes to this Privacy Policy will be communicated
The effective or last-updated date of this Privacy Policy
Our treatment of browser Do Not Track signals and qualifying privacy preference signals
Whether third parties may collect information about online activities over time and across different websites

CCPA/CPRA Categories of Personal Information

If the CCPA/CPRA applies to us and the information involved, the categories of personal information we may have collected during the preceding twelve (12) months, depending on the services provided and your interactions with us, include the following:

Category	Examples	Potential Sources	Primary Purposes
Identifiers	Name, address, email address, telephone number, IP address, online identifiers	Consumer; website/device; service providers; referral sources	Responding to inquiries, mortgage services, communications, security, analytics, marketing
Personal Information Described in California Civil Code § 1798.80(e)	Name, address, telephone number, financial information, employment information, government identification information where applicable	Consumer; service providers; transaction participants	Mortgage inquiry, application, transaction, verification, compliance, servicing
Protected Classification Characteristics	Age, marital status, military or veteran status, and demographic information where collected in connection with applicable mortgage or regulatory requirements	Consumer; loan application or mortgage process	Mortgage processing, eligibility, regulatory reporting, compliance
Commercial Information	Products or services requested, considered, or obtained; transaction and inquiry history	Consumer; internal records; service providers	Providing services, customer relationship management, analytics, marketing
Internet or Other Electronic Network Activity	Browsing activity, pages viewed, interactions with forms and advertisements, device and browser information	Website, browser, device, cookies, analytics and advertising providers	Website operation, analytics, security, advertising, performance measurement
Geolocation Information	Approximate geographic location derived from IP address or device information	Device, browser, analytics providers	Security, analytics, localization, advertising where applicable
Professional or Employment Information	Employer, occupation, employment history, income, or employment verification information	Consumer; employers; verification providers where authorized	Mortgage qualification, verification, application processing, compliance
Inferences	Inferences regarding interests or potential product preferences derived from website or marketing activity	Website activity; analytics or advertising services	Analytics, marketing, personalization where applicable
Sensitive Personal Information	Social Security number, driver’s license or government identification information, financial account information, and certain demographic information where applicable	Consumer; verification providers; transaction participants	Identity verification, mortgage processing, fraud prevention, regulatory compliance, requested financial services

Categories of Third Parties

Depending on our practices and the services you request, personal information may be disclosed to categories of recipients including:

Website, hosting, cloud, and technology providers
CRM and communication providers
Analytics providers
Advertising and marketing providers
Lenders, investors, and mortgage program providers
Loan origination and mortgage technology providers
Credit reporting and verification providers
Appraisal, title, escrow, settlement, and insurance providers
Professional advisers and compliance providers
Affiliates, where applicable
Government, regulatory, judicial, or law enforcement entities where required or permitted by law
Parties involved in a business transaction

Personal Information Disclosed for Business Purposes

During the preceding twelve (12) months, we may have disclosed categories of personal information described above for legitimate business purposes to service providers, contractors, transaction participants, and other recipients described in this Privacy Policy, depending on our actual practices and your interactions with us.

Personal Information Sold or Shared

We do not sell personal information for monetary consideration.

If we use advertising or tracking technologies that constitute “selling” or “sharing” under the CCPA/CPRA, the categories involved may include identifiers, Internet or electronic network activity, commercial information, and approximate geolocation information. Such information may be made available to advertising, analytics, or marketing providers for purposes such as measuring advertising, audience creation, or cross-context behavioral advertising.

Where applicable, California residents may opt out through our privacy preference controls or the applicable “Do Not Sell or Share My Personal Information” or “Your Privacy Choices” mechanism.

California Right to Limit Sensitive Personal Information

We generally use sensitive personal information for purposes reasonably necessary to provide requested mortgage or financial services, verify identity, prevent fraud, process transactions, maintain security, or comply with legal and regulatory obligations.

If we use or disclose sensitive personal information in a manner that gives California consumers a right to limit that use or disclosure, we will provide the notice and method for exercising that right required by applicable law.

California Opt-Out Preference Signals

Where required under the CCPA/CPRA, we process qualifying opt-out preference signals, such as Global Privacy Control, as a request to opt out of sale or sharing for the browser or device through which the signal is communicated.

Automated Decision-Making

Where applicable law provides rights regarding the use of automated decision-making technology in connection with significant decisions, we will provide applicable notices and methods for exercising those rights at the time and in the manner required by law.

California “Shine the Light”

California Civil Code § 1798.83 may provide certain California residents with rights to request information regarding disclosures of specified personal information to third parties for their own direct marketing purposes, where the law applies.

Requests may be submitted using the contact information provided in the “Contact Us” section below.

California Minors

California residents under 18 who are registered users of an online service may have certain rights under California law to request removal of content they have publicly posted, where applicable. Removal does not necessarily ensure complete or comprehensive deletion of the content in all circumstances.

14. Financial Privacy and the Gramm-Leach-Bliley Act

If we are a financial institution subject to the Gramm-Leach-Bliley Act (“GLBA”) and Regulation P, certain nonpublic personal information relating to consumers and customers may be governed by those financial privacy requirements rather than, or in addition to, state comprehensive consumer privacy laws.

Where required, we provide a separate financial privacy notice explaining our collection and disclosure practices concerning nonpublic personal information and any privacy choices available to consumers.

This website Privacy Policy is not intended to replace a GLBA/Regulation P privacy notice.

Financial privacy notices are provided at the times required by applicable law. An annual privacy notice may not be required in circumstances where an applicable exception to the annual notice requirement applies.

15. California Financial Information Privacy Act

If we are subject to the California Financial Information Privacy Act (“CFIPA”) with respect to information concerning a California consumer, California law may provide additional rights or restrictions concerning the disclosure of nonpublic personal information by financial institutions.

Where required, we will provide California consumers with a separate financial privacy notice, which may include an “Important Privacy Choices for Consumers” notice describing applicable information-sharing practices and privacy choices.

This website Privacy Policy does not replace any separate notice, consent, authorization, or privacy choice required under the California Financial Information Privacy Act or other applicable financial privacy law.

16. Information Subject to Other Financial Privacy Laws

Certain personal information that is collected, processed, disclosed, sold, or otherwise handled pursuant to the Gramm-Leach-Bliley Act, the California Financial Information Privacy Act, the Fair Credit Reporting Act, or other sector-specific financial privacy laws may be exempt from some requirements of state comprehensive consumer privacy laws.

Other information we collect, including certain website, analytics, advertising, and marketing information, may remain subject to those state privacy laws where they otherwise apply.

17. Third-Party Websites, Applications, and Loan Portals

Our Service may contain links to, integrations with, or embedded functionality provided by third-party websites, loan application portals, scheduling services, mortgage technology platforms, social media services, calculators, or other services that we do not own or control.

Your use of a third-party website or service may be governed by that third party’s privacy policy and terms. We encourage you to review applicable third-party privacy notices before submitting personal information.

18. Children’s Privacy

Our Service is intended for adults and is not directed to children under 13. We do not knowingly collect personal information online from children under 13 without legally required parental consent.

If we learn that personal information from a child under 13 was collected in a manner inconsistent with applicable law, we will take appropriate steps to delete or otherwise address the information.

As described above, we do not knowingly sell or share personal information of consumers under 16 in circumstances requiring affirmative authorization under California law.

19. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technologies, services, or legal requirements.

When we make changes, we will post the revised Privacy Policy on this page and update the “Last Updated” date above. If changes are material, we may provide additional notice where required by applicable law.

We encourage you to review this Privacy Policy periodically.

20. Contact Us

If you have questions about this Privacy Policy, our privacy practices, or your privacy rights, please contact us.