Texas Mortgage Home Loans Privacy Policy
Effective Date: June 4, 2025 | Last Updated: June 4, 2025
Our Commitment to Your Privacy
At Texas Mortgage Home Loans, we understand that your personal and financial information is among your most valuable assets. With 25 years of experience serving Texas borrowers, we have built our reputation on trust, integrity, and the careful protection of our clients’ sensitive information. This Privacy Policy outlines how we collect, use, protect, and share your personal information in accordance with federal and state privacy laws, including the Gramm-Leach-Bliley Act and other applicable regulations.
We are committed to maintaining the highest standards of confidentiality and security in all our business practices. This policy applies to all current and former clients who have obtained mortgage services through Texas Mortgage Home Loans, and it governs all information we collect through our website, loan application processes, and ongoing business relationships.
Information We Collect
In order to provide you with comprehensive mortgage brokerage services, we collect various types of personal and financial information. This information is essential for evaluating your loan eligibility, processing your application, and ensuring compliance with federal and state lending regulations.
Personal Information: We collect basic personal information, including your full name, date of birth, Social Security number, and contact information such as home and work addresses, phone numbers, and email addresses. We also collect employment information, including your employer’s name and address, job title, length of employment, and income details. Additionally, we may collect information about your marital status, dependents, and other demographic information relevant to your loan application.
Financial Information: Our loan evaluation process requires comprehensive financial information, including your income from all sources such as employment, self-employment, investments, and other sources of regular income. We collect information about your assets, including bank accounts, investment accounts, retirement accounts, real estate holdings, and other valuable assets. We also review your credit history through credit reports from major credit bureaus, information about existing debts and monthly obligations, and details about your banking relationships and financial accounts.
Property and Transaction Information: For each loan transaction, we collect detailed information about the property you’re purchasing or refinancing, including property address, purchase price or appraised value, property type and intended use. We also collect information about your down payment source, closing cost details, and other transaction-specific information required for loan processing and underwriting.
How We Use Your Information
The personal and financial information we collect serves several important purposes in our role as your mortgage broker. All uses of your information are designed to facilitate your loan transaction and provide you with the best possible mortgage solutions.
We use your information primarily to evaluate your loan eligibility and creditworthiness, match you with appropriate loan programs and lenders, prepare and submit loan applications on your behalf, and coordinate the loan approval and closing process. Additionally, we use your information to communicate with you about your loan status, provide ongoing customer service and support, comply with federal and state regulatory requirements, and maintain accurate records of our business relationship.
We may also use your information to inform you about other mortgage products or services that may be beneficial to you, such as refinancing opportunities when market conditions are favorable. However, we will always respect your preferences regarding marketing communications and provide you with options to opt out of such communications.
Information Sharing and Disclosure
As a mortgage broker, we work with multiple lenders and service providers to secure the best possible loan terms for our clients. This requires us to share certain information with authorized third parties, but we do so only as necessary to complete your transaction and always in accordance with applicable privacy laws.
Lenders and Financial Institutions
We share your loan application information with potential lenders to obtain loan approvals and competitive rate quotes. This sharing is essential to our role as a mortgage broker and is done only with lenders who have agreed to maintain the confidentiality of your information. We carefully select our lending partners based on their reputation, reliability, and commitment to protecting borrower information.
Service Providers
We may share your information with various service providers involved in your loan transaction, including credit reporting agencies for credit checks and monitoring, appraisal companies for property valuations, title companies and attorneys for closing services, and technology vendors who provide secure platforms for loan processing. All service providers are required to maintain the confidentiality of your information and use it only for the specific services they provide.
Regulatory and Legal Requirements
We may disclose your information when required by law, regulation, or legal process, including responding to court orders, subpoenas, or regulatory examinations. We may also share information to prevent fraud, protect our legal rights, or comply with anti-money laundering and other financial crime prevention requirements.
Important Note About Information Sharing
We do not sell your personal information to third parties for marketing purposes. We do not share your information with unaffiliated companies for their own marketing purposes without your explicit consent. Any sharing of your information is limited to what is necessary to provide you with mortgage services or as required by law.
Information Security and Protection
Protecting your personal and financial information is one of our highest priorities. We have implemented comprehensive security measures designed to safeguard your information against unauthorized access, use, alteration, or disclosure. Our security program includes both physical and electronic safeguards that meet or exceed industry standards.
Our physical security measures include secure storage of paper documents in locked files and cabinets, restricted access to offices and file areas, and proper disposal of sensitive documents through secure shredding services. Our electronic security measures include encrypted data transmission and storage, secure password policies and access controls, regular security system updates and monitoring, and secure backup and recovery procedures.
We also maintain strict internal policies regarding access to client information. Only authorized employees who need access to your information to perform their job duties are permitted to view or handle your personal data. All employees receive regular training on privacy and security requirements and are required to sign confidentiality agreements.
Your Privacy Rights and Choices
As our client, you have several important rights regarding your personal information and how we use it. We are committed to honoring these rights and providing you with the control you deserve over your personal data.
You have the right to access the personal information we maintain about you and request corrections if you believe any information is inaccurate or incomplete. You can request information about how we have shared your information and with whom. You also have the right to opt out of certain information-sharing arrangements, though please note that opting out of essential sharing may limit our ability to provide you with comprehensive mortgage services.
You can choose to limit marketing communications from us by contacting our office and requesting to be removed from our marketing lists. You can also request that we not share your information for marketing purposes with our business partners, though we generally do not engage in such sharing without your explicit consent.
Website Privacy and Cookies
Our website may collect certain information automatically when you visit, including your IP address, browser type, operating system, and pages visited. This information helps us improve our website functionality and user experience. We may use cookies and similar technologies to enhance your browsing experience and remember your preferences.
Any information you submit through our website contact forms or loan application portals is transmitted using secure encryption technology and is subject to the same privacy protections outlined in this policy. We recommend that you never include sensitive personal information such as Social Security numbers or account numbers in unsecured email communications.
Information Retention
We retain your personal information for as long as necessary to provide you with services and as required by applicable laws and regulations. Mortgage-related documents and information are typically retained for several years after loan closing to comply with federal and state recordkeeping requirements. When information is no longer needed, we dispose of it securely through methods designed to prevent unauthorized access or reconstruction.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes to this policy, we will notify you by posting the updated policy on our website and, if you are a current client, by sending you a notice via email or mail. We encourage you to review this policy periodically to stay informed about how we protect your information.
Contact Information and Questions
If you have any questions about this Privacy Policy, would like to exercise any of your privacy rights, or have concerns about how your information is being handled, please don’t hesitate to contact us. We are committed to addressing your privacy concerns promptly and thoroughly.
You can reach us during regular business hours to discuss any privacy-related matters. Our experienced team is knowledgeable about privacy requirements and will work with you to address any questions or concerns you may have about your personal information.
Questions About Your Privacy?
Contact Texas Mortgage Home Loans at (713) 999-6151. We’re here to address any privacy concerns and protect your personal information. Visit: texasmortgagehomeloans.com