California Consumer Privacy Act (CCPA) Notice

This California Consumer Privacy Act (CCPA) Notice applies solely to residents of California and supplements the information contained in our Privacy Policy.

Your Rights Under the CCPA

As a California resident, you have the following rights:

• Right to Know: You have the right to request information about the categories and specific pieces of personal information we have collected about you.
• Right to Delete: You have the right to request deletion of your personal information, subject to certain exceptions.
• Right to Opt-Out: You have the right to opt-out of the sale or sharing of your personal information.
• Right to Non-Discrimination: You have the right not to receive discriminatory treatment for exercising your CCPA rights.
• Right to Correct: You have the right to request correction of inaccurate personal information.
• Right to Limit Use: You have the right to limit the use and disclosure of sensitive personal information.

Categories of Personal Information We Collect

In the past 12 months, we have collected the following categories of personal information:

How We Use Personal Information

We use the personal information we collect for the following business purposes:

• Processing mortgage applications and determining loan eligibility
• Verifying identity and preventing fraud
• Providing customer service and support
• Marketing our products and services
• Improving our website and services
• Complying with legal obligations and regulations
• Protecting against security threats and illegal activity
• Facilitating transactions and processing payments

Disclosure of Personal Information

We may disclose your personal information to the following categories of third parties:

• Service Providers: Companies that provide services on our behalf (e.g., credit reporting agencies, title companies, appraisers)
• Lending Partners: Wholesale lenders and financial institutions for loan processing
• Government Entities: Regulatory bodies and government agencies as required by law
• Professional Advisors: Attorneys, accountants, and other professional advisors
• Marketing Partners: Third parties who assist with our marketing efforts (with your consent)

Sale or Sharing of Personal Information

Sensitive Personal Information

We collect sensitive personal information including:

• Social Security numbers
• Driver's license numbers
• Financial account information
• Precise geolocation data

We only use sensitive personal information for purposes permitted by the CCPA, including providing our mortgage services and complying with legal obligations.

Data Retention

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, including:

• Providing our services and maintaining our business relationship
• Complying with legal and regulatory requirements (typically 7 years for mortgage-related documents)
• Resolving disputes and enforcing agreements
• Maintaining records for business and tax purposes

How to Exercise Your Rights

To exercise your rights under the CCPA, you may submit a request by:

When submitting a request, we may ask you to provide information to verify your identity. This may include:

• Full name and email address
• California address
• Date of birth
• Information about your interactions with us

Authorized Agents

You may designate an authorized agent to make requests on your behalf. To do so, you must:

• Provide the authorized agent with written permission signed by you
• Verify your identity directly with us
• Directly confirm with us that you provided the authorized agent permission

Response Timeline

We will acknowledge receipt of your request within 10 business days and provide a substantive response within 45 calendar days. If we need additional time, we will notify you of the reason and extension period (up to 90 days total).

Right to Non-Discrimination

We will not discriminate against you for exercising your CCPA rights. We will not:

• Deny you goods or services
• Charge different prices or rates
• Provide a different level or quality of goods or services
• Suggest you will receive a different price or rate or different level or quality of goods or services

Financial Incentives

We do not currently offer financial incentives for the collection, sale, or retention of personal information.

California Shine the Light

Under California Civil Code Section 1798.83, California residents may request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us using the information provided above.

Updates to This Notice

We may update this CCPA Notice from time to time. When we make changes, we will update the "Last Updated" date at the top of this page and notify you as required by applicable law.

Contact Us

If you have questions about this CCPA Notice or our privacy practices, please contact us at: