Privacy Policy

Information You Provide Directly

• Full legal name, current and previous addresses
• Phone number and email address
• Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
• Date of birth and government-issued ID information
• Employment history, income, and asset documentation
• Credit history and existing debt obligations
• Information submitted via online applications, contact forms, or phone consultations

Information From Transactions

• Payment histories and account balances
• Mortgage application details and loan status
• Transaction activity related to your mortgage process

Information From Third Parties

• Credit reports and credit scores from consumer reporting agencies (Equifax, Experian, TransUnion)
• Employment and income verification from employers or verification services
• Asset and deposit verification from financial institutions
• Appraisal and property information from licensed appraisers

Information Collected Automatically

• IP address and browser type
• Pages visited and time spent on our website
• Device information and referring URLs
• Cookies and similar tracking technologies

Legitimate Business & Legal Purposes

• Evaluating and processing your mortgage application
• Communicating with you about your loan status and options
• Verifying your identity and preventing fraud
• Complying with federal and state regulatory requirements
• Responding to your inquiries and providing customer service
• Improving our website and service offerings
• Sending relevant updates, if you have opted in to communications from us

With Service Providers & Lending Partners

We may share your information with wholesale lenders, underwriters, title companies, appraisers, and other settlement service providers as necessary to process your mortgage application. These parties are contractually required to maintain the confidentiality of your information.

With NEXA Mortgage

As a loan officer operating under NEXA Mortgage (NMLS #1660690), certain information may be shared with NEXA Mortgage LLC in accordance with their privacy practices and our licensing obligations.

As Required by Law

• The Consumer Financial Protection Bureau (CFPB)
• The Department of Housing and Urban Development (HUD)
• State mortgage regulatory agencies in Ohio and Tennessee

Security Measures We Employ

• Encrypted data transmission via SSL/TLS technology
• Secure storage of all application and financial data
• Access controls limiting information to authorized personnel only
• Regular review of our data collection and storage practices
• Employee training on data privacy and confidentiality

Types of Cookies We Use

• Essential Cookies — Required for the website to function properly
• Analytics Cookies — Help us understand visitor behavior (e.g., Google Analytics)
• Marketing Cookies — Used to deliver relevant content and track ad performance

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

• Right to Know — Request information about the data we have collected about you
• Right to Access — Request a copy of your personal information in our possession
• Right to Correction — Request that inaccurate information be corrected
• Right to Deletion — Request deletion of your personal information, subject to legal obligations
• Right to Opt-Out — Opt out of any non-essential data sharing or marketing communications
• Right to Non-Discrimination — We will not discriminate against you for exercising any of these rights