Legal & Privacy

Introduction

("we," "us," or "our") respects the privacy of every individual who visits our website or uses our services. This Privacy Policy explains how we collect, use, share, and protect your personal information when you interact with our website or use our mortgage services.

Information We Collect

We may collect the following types of information:

• Information you provide directly: Name, address, email, phone number, date of birth, Social Security number, employment information, income information, and other details you provide when applying for a loan, requesting a rate quote, or contacting us.
• Information collected automatically: IP address, browser type, device information, pages visited, time spent on pages, referring website, and other usage data collected via cookies and analytics tools.
• Information from third parties: Credit reports, employment verification, public records, and information from lending partners or affiliates with your authorization.

How We Use Your Information

We use your information to:

• Process loan applications and provide mortgage services.
• Verify your identity and assess creditworthiness.
• Communicate with you about your application, loan status, or our services.
• Comply with legal, regulatory, and reporting obligations.
• Improve our website, services, and customer experience.
• Send marketing communications (only with your consent, where required).

Sharing Your Information

We do not sell your personal information. We may share your information with:

• Wholesale lenders, investors, and loan servicers necessary to process or service your loan.
• Credit bureaus, appraisers, title companies, and other third parties required to complete a mortgage transaction.
• Government agencies, regulators, and law enforcement when required by law.
• Service providers who help us operate our business (e.g., technology platforms, marketing tools), bound by confidentiality obligations.

Cookies and Tracking

Our website uses cookies and similar technologies to enhance your experience, analyze traffic, and serve relevant content. You can adjust your browser settings to refuse cookies, though this may affect website functionality.

Data Security

We implement reasonable physical, technical, and administrative safeguards to protect your personal information. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

Your Rights

Depending on your state of residence, you may have the right to:

• Request access to the personal information we hold about you.
• Request correction of inaccurate information.
• Request deletion of your information (subject to legal retention requirements).
• Opt out of marketing communications.
• Request a copy of our information-sharing practices.

To exercise these rights, contact us at .

Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal information from minors.

Changes to This Policy

We may update this Privacy Policy from time to time. The most current version will always be posted on this page with the updated effective date.

Acceptance of Terms

By accessing or using the website, you agree to be bound by these Terms of Use. If you do not agree, please do not use the website.

Use of the Website

You agree to use this website only for lawful purposes and in a manner consistent with these Terms. You may not:

• Use the website in any way that could disable, overburden, damage, or impair its functionality.
• Attempt to gain unauthorized access to any portion of the website, our systems, or any connected systems.
• Use any automated means (bots, scrapers, etc.) to extract content from the website.
• Misrepresent your identity or provide false information when submitting applications, forms, or inquiries.

Intellectual Property

All content on this website, including text, graphics, logos, images, and code, is the property of or its content suppliers and is protected by U.S. and international copyright laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

Loan Application Disclaimer

Submitting an application, rate quote request, or pre-qualification form through this website does not constitute approval for a mortgage loan. All loans are subject to credit approval, underwriting, property appraisal, and other terms and conditions. Rates and program terms shown on this site are estimates and subject to change without notice.

Third-Party Links

This website may contain links to third-party websites. We are not responsible for the content, privacy practices, or accuracy of any information on third-party sites. Visiting linked sites is at your own risk.

Limitation of Liability

To the maximum extent permitted by law, shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website, even if we have been advised of the possibility of such damages.

Modifications

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting. Your continued use of the website after changes are posted constitutes acceptance of those changes.

Governing Law

These Terms shall be governed by the laws of the State of Arizona, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the website shall be resolved in the appropriate courts located in Maricopa County, Arizona.

Equal Housing Lender

is an Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, familial status, disability, sexual orientation, gender identity, or because all or part of an applicant's income is derived from any public assistance program.

Licensing Information

is licensed as a mortgage broker. We are licensed in .

Company NMLS ID:

To verify our license or any individual loan officer's license, visit the NMLS Consumer Access site at nmlsconsumeraccess.org.

Not a Commitment to Lend

Information provided on this website is for general informational purposes only and does not constitute a commitment to lend. All loan applications are subject to credit approval, property appraisal, satisfactory title, and acceptable documentation. Interest rates, loan terms, and program availability are subject to change without notice and may vary based on borrower qualifications, loan amount, loan-to-value ratio, occupancy, property type, and other factors.

Rate Quote Disclaimer

Any rate quote provided through this website is an estimate based on the information you provide and current market conditions at the time of the quote. Final loan terms, including interest rate and APR, will be determined during the formal application and underwriting process and may differ from the initial quote. A rate quote is not a loan approval, pre-approval, or commitment to lend.

State-Specific Disclosures

Arizona

Arizona Mortgage Banker License BK-XXXXXXX [INSERT AZ LICENSE NUMBER]. is regulated by the Arizona Department of Insurance and Financial Institutions.

Colorado

Regulated by the Division of Real Estate. To check the license status of your mortgage loan originator, visit dre.colorado.gov.

Texas

For Texas residents: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.

Privacy Notice (GLBA)

As a financial institution, we are required to provide a Privacy Notice under the Gramm-Leach-Bliley Act (GLBA) explaining how we collect, share, and protect your nonpublic personal information. A copy of our GLBA Privacy Notice is provided at the time of loan application and is available upon request by emailing .

Contact Information

For questions, complaints, or requests related to these policies and disclosures:

Email:
Company NMLS: