Privacy Policy

1. Gramm-Leach-Bliley Act (GLBA) — Financial Privacy Notice

Federal law gives consumers the right to limit some but not all sharing of their personal financial information. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What information do we collect?

We collect personal information about you from:

• Information you provide on applications and forms (name, address, Social Security number, income, assets, employment history)
• Your transactions with us, our affiliates, or others (loan history, payment records)
• Consumer reporting agencies (credit reports, credit scores)
• Your employer or other third parties to verify information you provide
• Our website and digital interactions (IP address, browser data, cookies)

How do we share your information?

All financial companies need to share customers' personal financial information to run their everyday business. The table below lists the reasons we can share your personal financial information and whether you can limit this sharing.

To limit our sharing

Call us at (888) 446-8714 or email [email protected]. Please note: if you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

How do we protect your information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We restrict access to your personal information to those employees and service providers who need to know that information to provide products or services to you.

How does Options Home Loans collect my personal information?

We collect your personal information, for example, when you:

• Apply for a mortgage loan or pre-approval
• Submit a rate quote request or contact form on our website
• Give us your contact information
• Show your driver's license or other identification
• Pay your fees or provide financial documents

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

2. Fair Credit Reporting Act (FCRA) — Credit Information Notice

In connection with your mortgage application, we may obtain one or more consumer reports (including credit reports) from consumer reporting agencies. We use this information to evaluate your creditworthiness and process your loan application. You have the right to:

• Know if information in your credit file has been used against you (we will provide an adverse action notice if applicable)
• Know what is in your credit file
• Ask for your credit score
• Dispute inaccurate or incomplete information
• Have outdated negative information removed
• Seek damages from violators

We do not share your credit information with third parties except as necessary to process your loan application (e.g., wholesale lenders, title companies, appraisers) or as required by law. We do not use your credit information for marketing purposes without your consent.

3. Telephone Consumer Protection Act (TCPA) — Communications Consent

By submitting any form on our website, you expressly consent to receive calls, emails, and text messages (SMS/MMS) from Options Home Loans LLC and its authorized representatives at the phone number(s) and email address(es) you provide, including calls and texts made using an automatic telephone dialing system (ATDS) or pre-recorded or artificial voice messages.

Consent is not a condition of purchase or loan approval. You may opt out of text messages at any time by replying STOP to any text message. You may opt out of marketing calls or emails by contacting us at [email protected] or (888) 446-8714.

Message and data rates may apply. Message frequency varies. For help, reply HELP or contact us directly.

4. Real Estate Settlement Procedures Act (RESPA)

As a licensed mortgage broker, we are subject to RESPA. We are required to provide you with a Loan Estimate (LE) within three business days of receiving your complete loan application. We do not accept kickbacks, referral fees, or unearned fees in connection with real estate settlement services. We may receive compensation from wholesale lenders in the form of lender-paid compensation (yield spread premium / broker compensation), which will be disclosed on your Loan Estimate and Closing Disclosure.

We do not share your loan application information with settlement service providers for marketing purposes without your consent.

5. Home Mortgage Disclosure Act (HMDA)

We are required by federal law to collect certain data about mortgage loan applications we receive, including information about the property, the loan, and the applicant (including race, ethnicity, sex, and age). This data is collected for the purpose of fair lending analysis and is reported to federal regulators. The collection of this information is required by law and does not affect your loan application or approval decision.

HMDA data collected by financial institutions is made publicly available by the Consumer Financial Protection Bureau (CFPB). For more information, visit consumerfinance.gov/data-research/hmda.

6. Fair Lending & Equal Credit Opportunity

Options Home Loans LLC is committed to fair lending and equal credit opportunity. We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), familial status, disability, sexual orientation, gender identity, or any other characteristic protected by the Equal Credit Opportunity Act (ECOA), the Fair Housing Act (FHA), or applicable state law.

If you believe you have been discriminated against in a credit transaction, you may contact the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov or 1-855-411-2372, or the U.S. Department of Housing and Urban Development (HUD) at hud.gov or 1-800-669-9777.

7. California Consumer Privacy Act / California Privacy Rights Act (CCPA/CPRA)

If you are a California resident, you have the following rights under the CCPA/CPRA:

Right to Know

You have the right to request that we disclose what personal information we collect, use, disclose, and sell about you, including the categories of personal information, the categories of sources, the business or commercial purpose for collecting it, the categories of third parties with whom we share it, and the specific pieces of personal information we have collected about you.

Right to Delete

You have the right to request that we delete personal information we have collected from you, subject to certain exceptions (e.g., information needed to complete a transaction, comply with a legal obligation, or detect security incidents).

Right to Correct

You have the right to request that we correct inaccurate personal information we maintain about you.

Right to Opt Out of Sale or Sharing

We do not sell your personal information and do not share it for cross-context behavioral advertising. You do not need to submit an opt-out request for these activities.

Right to Limit Use of Sensitive Personal Information

We use sensitive personal information (such as Social Security numbers, financial account information, and precise geolocation) only as necessary to provide mortgage services and as required by law. We do not use sensitive personal information for inferring characteristics about you.

Right to Non-Discrimination

We will not discriminate against you for exercising any of your CCPA/CPRA rights.

How to Submit a Request

To exercise your CCPA/CPRA rights, submit a verifiable consumer request by:

• Email: [email protected]
• Phone: (888) 446-8714

We will respond to verifiable consumer requests within 45 days. We may extend this period by an additional 45 days when reasonably necessary, with prior notice. We will not charge a fee for processing your request unless it is excessive, repetitive, or manifestly unfounded.

Note: Certain personal information collected in connection with a mortgage application may be exempt from CCPA/CPRA deletion requests under the GLBA or FCRA.

Authorized Agent

You may designate an authorized agent to submit a request on your behalf. We may require written proof of the agent's authorization and may verify your identity directly.

8. Cookies, Tracking Technologies & Analytics

Our website uses cookies and similar tracking technologies (pixels, web beacons, local storage) to operate the site, analyze traffic, and measure the effectiveness of our advertising. Specifically, we use:

• Google Analytics (GA4): Collects anonymized usage data to help us understand how visitors interact with our site.
• Google Ads Conversion Tracking: Measures actions taken after clicking our ads (e.g., form submissions).
• Meta (Facebook) Pixel: Measures conversions from Facebook and Instagram ads.
• Session Storage: Used for functional purposes such as remembering your scroll position or dismissed banners within a single browser session.

We display a cookie consent banner when you first visit our site. Analytics and advertising cookies are loaded only after you provide consent. You may withdraw consent at any time by clearing your browser cookies and declining consent on your next visit, or by adjusting your browser settings to block cookies. Note that disabling cookies may affect site functionality.

We do not use cookies or tracking technologies to collect sensitive financial information. All mortgage application data is transmitted over encrypted (HTTPS) connections.

9. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal and regulatory obligations, resolve disputes, and enforce our agreements. Mortgage loan records are generally retained for a minimum of three (3) years from the date of application (or longer as required by applicable law, including RESPA, HMDA, and state record-keeping requirements). Financial records may be retained for up to seven (7) years.

10. Data Security

We implement administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, disclosure, alteration, and destruction. These measures include:

• SSL/TLS encryption for all data transmitted through our website
• Access controls limiting employee access to personal information on a need-to-know basis
• Secure storage of physical documents
• Regular security assessments of our systems and practices

No method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee absolute security. In the event of a data breach that affects your rights or freedoms, we will notify you as required by applicable law.

11. Third-Party Sharing & Service Providers

We may share your personal information with the following categories of third parties:

• Wholesale Lenders: To obtain rate quotes and process your loan application on your behalf.
• Credit Reporting Agencies: To obtain credit reports and scores as part of the loan underwriting process.
• Settlement Service Providers: Title companies, escrow companies, appraisers, and other parties required to complete your real estate transaction.
• Technology Service Providers: Loan origination software (LOS), CRM platforms, email service providers, and website hosting providers, subject to data processing agreements.
• Government Agencies and Regulators: As required by law, including HMDA reporting to the CFPB and state mortgage regulators.
• Legal and Compliance: Attorneys, auditors, and compliance consultants as necessary to operate our business and comply with the law.

We do not sell your personal information to data brokers or third-party marketers. We do not share your personal information with non-affiliated third parties for their own marketing purposes.

12. Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you believe we have inadvertently collected information from a child under 18, please contact us immediately and we will take steps to delete such information.

13. Third-Party Links

Our website may contain links to third-party websites, including the NMLS Consumer Access portal, the CFPB, HUD, and our wholesale lender partners. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

14. 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. We will post the updated policy on this page with a revised effective date. For material changes, we will provide additional notice (such as a prominent notice on our website or an email notification). Your continued use of our website or services after the effective date of any changes constitutes your acceptance of the updated policy.

15. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us: