- NMLS 2028516
- (512) 669-2302
MORTGAGEinc respects your privacy and is committed to protecting your personal information.
This Privacy Policy explains how we collect, use, share, and safeguard your information when you:
Visit our website
Submit a mortgage inquiry
Apply for a loan
Communicate with us electronically
This policy applies to information collected online and offline in connection with mortgage-related services.
We collect information necessary to originate, process, underwrite, and service mortgage loans.
This may include:
Full name
Social Security number
Date of birth
Driver’s license or government ID
Home address and contact information
Employment and income information
Bank account and asset information
Tax returns and financial documents
Property information
We may obtain:
Consumer credit reports (FCRA compliant)
Employment verifications
Asset verifications
Appraisal reports
Fraud prevention and identity verification reports
When you visit our website, we may collect:
IP address
Browser type
Device information
Pages visited
Cookies and tracking technologies
This information helps improve website performance and security.
We use your information to:
Process mortgage applications
Evaluate creditworthiness and Ability-to-Repay (ATR)
Verify identity and prevent fraud
Communicate about your loan
Comply with federal and state laws
Provide disclosures required under TILA, RESPA, ECOA, and other regulations
We do not sell your personal financial information.
We may share your information with:
Wholesale lenders and investors
Underwriters and loan processors
Appraisers and title companies
Credit reporting agencies
Compliance and audit service providers
Government or regulatory authorities (as required by law)
All third parties are required to maintain confidentiality and safeguard your information.
We do not share your information for unrelated marketing purposes without your consent.
As a mortgage lender/broker, we are subject to the Gramm-Leach-Bliley Act (GLBA).
We protect nonpublic personal information by implementing:
Administrative safeguards
Technical safeguards
Physical security measures
Access to your information is restricted to authorized personnel who need it to perform job functions.
If you apply for a mortgage, we may obtain your credit report in accordance with the Fair Credit Reporting Act.
You have the right to:
Request the name of the credit bureau used
Dispute inaccurate information directly with the reporting agency
Our website may use cookies and similar technologies to:
Improve user experience
Analyze website traffic
Enhance security
You may disable cookies through your browser settings; however, some features may not function properly.
We use commercially reasonable safeguards including:
Secure servers
Encryption of sensitive data
Multi-factor authentication
Secure document portals
While we strive to protect your information, no method of transmission over the internet is 100% secure.
Depending on your state of residence, you may have the right to:
Request access to your personal information
Request correction of inaccurate data
Request deletion where legally permitted
Opt out of certain data sharing practices
To submit a privacy request, contact us using the information below.
Note: Certain information cannot be deleted due to federal mortgage record retention requirements.
By submitting information through our website, you consent to receive communications electronically, including disclosures and notices, in compliance with the E-Sign Act.
Our services are not directed to individuals under 18. We do not knowingly collect personal information from minors.
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites.
We retain personal information as required by:
Federal mortgage regulations
Investor guidelines
State licensing laws
Record retention requirements
We may update this Privacy Policy periodically. Changes will be posted with a revised Effective Date.
MORTGAGEinc
NMLS ID: 2028516
2111 I 35 S Frontage Rd, Ste 1105
(512)669-2302
info@mortgage-inc.com
If you believe your privacy rights have been violated, you may also contact the Consumer Financial Protection Bureau at www.consumerfinance.gov.
