Privacy Policy

Effective Date: March, 2025

We at Texas Choice Home Loans LLC value and respect your privacy. We are committed to safeguarding the personal information you provide when you access our website and use our services. This Privacy Policy explains our practices regarding data collection, usage, sharing, and protection in accordance with federal, state, and NMLS regulations.

1. Information We Collect

We may collect various types of information when you interact with our website, apply for our services, or communicate with us:

Personal Identification Information: We may collect your name, mailing address, email address, phone number, Social Security number, and other identifiers.
Financial Information: We may collect income details, credit history, employment information, loan application details, and other necessary financial data.
Demographic Information: We may collect your age, marital status, and other background information to help us tailor our services.
Technical Data: We automatically collect your IP address, browser type, device information, and details about your website usage through cookies and similar tracking technologies.

2. How We Use Your Information

We use your information for several purposes, including:

Loan Processing & Service Delivery: We use your information to evaluate your eligibility for mortgage loans, process your applications, and manage the mortgage process.
Customer Communication: We use your information to respond to your inquiries and keep you informed about your application status, important changes, or updates regarding our services.
Enhancing Services & Website Improvement: We analyze trends, administer our website, and gather demographic information to continuously improve our quality of service and user experience.
Marketing and Promotional Communications:
-Marketing Purposes: We may use your information to provide you with marketing and promotional materials, including special offers, newsletters, and information on new products or services that might interest you.
-Personalization: We personalize our communications to reflect your preferences and interests.
-Opt-Out Option: You can opt out of receiving marketing communications at any time by following the unsubscribe instructions included in our communications or by contacting us directly.
Regulatory Compliance: We use your information to ensure adherence to all applicable legal, regulatory, and NMLS requirements, including record retention and reporting.

3. Sharing of Information

We respect your privacy and do not sell your personal information. However, we may disclose your information in the following situations:

Service Providers: We share your information with trusted third-party vendors who assist us in processing your loan application (e.g., credit checks, appraisals, data processing), all under strict confidentiality agreements.
Regulatory and Legal Requirements: We may disclose your information when required by law or requested by regulatory authorities, including NMLS, or to comply with subpoenas, court orders, or other legal processes.
Authorized Third Parties: We may share your information for the purpose of providing you with our services, ensuring that any recipient is bound by strict confidentiality obligations.

4. NMLS Compliance

As a licensed mortgage brokerage, we adhere to rigorous NMLS and regulatory standards by:

Secure Data Handling: Using industry-standard encryption, secure servers, and strict access controls to protect your data.

Transparency: Clearly communicating how we use your data and ensuring that you are informed about who may access it.
Record Retention: Maintaining proper records of transactions, inquiries, and communications as required by NMLS and other regulatory bodies.

5. Cookies and Tracking Technologies

We use cookies and similar technologies on our website to enhance your browsing experience and to collect usage information. Cookies help us to:

Personalize content and ads.
Provide social media features.
Analyze our traffic.

You can control your cookie preferences through your browser settings. Please note that disabling cookies may affect the usability and functionality of our website.

6. Your Privacy Rights

We value your right to privacy. You have the right to:

Access Your Information: Request a copy of the personal information that we hold about you.
Correct Your Information: Request corrections to any inaccurate or incomplete data.
Opt-Out of Marketing Communications: Choose not to receive our promotional emails and direct marketing materials.
Request Deletion: Ask us to delete your personal data, subject to certain legal or regulatory requirements.

7. How We Protect Your Information

We employ a variety of security measures to ensure the protection of your personal information, including:

Data Encryption: We encrypt data during transmission and storage.
Access Controls: We limit access to your personal data to only those authorized personnel.
Regular Audits: We conduct regular security assessments and system audits to ensure the ongoing protection of your data.

These measures help us safeguard your information from unauthorized access, alteration, or destruction.

8. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or regulatory requirements. We will notify you of significant changes by posting the updated policy on our website with a new effective date. We encourage you to review this page regularly.