Privacy Policy

Mortgage Capital ("we," "us," or "our"), operating as HomeMTG.loans (NMLS# 1859012), is a licensed Florida mortgage broker located at 6801 Lake Worth Rd, Suite 322, Lake Worth, FL 33467. We are committed to protecting your personal information. This Privacy Policy explains what information we collect, how we use it, and your rights regarding that information.

1. Information We Collect

When you use our website or submit a form, we may collect the following categories of personal information:

• Contact information: Name, email address, phone number, and mailing address.
• Financial information: Loan type preference, estimated credit score range, home purchase price, and down payment amount (self-reported).
• Communication preferences: Whether you consent to receive SMS/text messages from us (opt-in only; see Section 4).
• Usage data: Pages visited, time on site, referring URL, device type, and browser type — collected automatically via Google Analytics 4.
• IP address and location data: Approximate geographic location derived from your IP address.

We do not collect Social Security numbers, full financial account numbers, or government-issued ID numbers through this website.

2. How We Use Your Information

We use the information we collect to:

• Contact you regarding your mortgage inquiry or pre-approval request.
• Match you with appropriate loan programs based on your stated financial profile.
• Send you SMS/text messages if you have provided written consent (TCPA-compliant).
• Improve our website, marketing campaigns, and borrower experience.
• Comply with federal and state mortgage lending regulations (RESPA, TILA, Florida Chapter 494).
• Analyze website traffic and user behavior via Google Analytics 4 to improve content.

We do not sell your personal information to third parties. We do not share your information with advertisers for behavioral targeting purposes.

3. Information Sharing

We may share your information with:

• Wholesale mortgage lenders: To process and underwrite your loan application. Lenders receive only the information necessary to evaluate your loan request and are subject to their own privacy policies and applicable banking regulations.
• Service providers: CRM platforms (e.g., Follow Up Boss), communication platforms (e.g., RingCentral), and marketing automation tools that help us operate our business. These providers are contractually prohibited from using your data for their own marketing purposes.
• Google Analytics: Anonymized usage data is shared with Google for analytics purposes under Google's standard privacy terms. You may opt out via Google's opt-out browser add-on.
• Legal requirements: We may disclose your information if required by law, court order, or government regulation.

4. SMS / Text Message Communications (TCPA)

We may send you informational and marketing text messages only if you have provided your explicit written consent by checking the SMS opt-in box on our forms. By opting in, you consent to receive recurring automated text messages from Mortgage Capital at the phone number provided. Message and data rates may apply. Message frequency varies.

To opt out: Reply STOP to any text message at any time. You may also call us at (561) 300-0380 or email info@homemtg.loans to be removed from our SMS list. Opting out of SMS will not affect your mortgage application.

We comply with the Telephone Consumer Protection Act (TCPA) and the 10DLC carrier registration requirements for business text messaging.

5. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to analyze traffic and improve user experience. Specifically:

• Google Analytics 4: We use GA4 to track page views, session duration, traffic sources, and conversion events (form submissions). GA4 data is anonymized and aggregated. We have configured GA4 to not store full IP addresses.
• Essential cookies: These are required for the website to function and cannot be disabled.

You can configure your browser to block or delete cookies. Note that disabling cookies may affect website functionality.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, and resolve disputes. Mortgage application records are retained for a minimum of 3 years in accordance with RESPA requirements. Marketing contact records are retained until you request removal.

7. Your Rights (Florida Residents)

As a Florida resident, you have the right to:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request that we correct inaccurate information.
• Deletion: Request that we delete your personal information, subject to legal retention requirements.
• Opt-out of communications: Unsubscribe from marketing emails or SMS at any time.

To exercise any of these rights, contact us at info@homemtg.loans or call (561) 300-0380. We will respond within 30 days.

8. Children's Privacy

Our website is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has submitted information through our website, please contact us immediately and we will delete it.

9. Security

We implement industry-standard security measures to protect your personal information, including HTTPS encryption for all data transmitted through our website. However, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security of your data.

10. Links to Third-Party Websites

Our website may contain links to third-party websites, including lender portals, government resources (HUD, VA, USDA), and affiliated companies. We are not responsible for the privacy practices of those websites. We encourage you to review their privacy policies before submitting any personal information.

11. Changes to This Policy

We may update this Privacy Policy periodically. When we do, we will update the "Last updated" date at the top of this page. We encourage you to review this policy periodically. Your continued use of our website after any changes constitutes acceptance of the updated policy.

12. Contact Us

If you have questions about this Privacy Policy or how we handle your personal information, please contact us:

This privacy policy applies to the website homemtg.loans and any subdomains operated by Mortgage Capital. Mortgage Capital is a licensed Florida mortgage broker (NMLS# 1859012) and is not a mortgage lender. Loan approval is subject to lender underwriting guidelines. This policy does not constitute legal advice.