Total Mortgage Lending LLC respects your privacy and is committed to protecting the personal information you provide to us. This Privacy Policy explains how we collect, use, disclose, safeguard, and retain information when you visit our website, submit an inquiry, apply for mortgage-related services, communicate with our team, or otherwise interact with Total Mortgage Lending LLC.

This Privacy Policy applies to information collected through our website, online forms, phone calls, text messages, emails, loan origination systems, third-party portals, in-person interactions, and other business communications.

1. Information We Collect

We may collect personal information directly from you, from third parties you authorize, from public records, from service providers, from credit reporting agencies, and through automated website technologies.

Information we may collect includes, but is not limited to:

• Name, mailing address, email address, phone number, and other contact information
• Date of birth, Social Security number, taxpayer identification number, and government-issued identification information
• Employment, income, asset, liability, tax, credit, banking, and financial information
• Property address, purchase contract information, mortgage application information, loan program details, and transaction-related documentation
• Credit report information, credit scores, tradeline information, public records, and credit inquiry information, where permitted by law and with required authorization
• Documentation submitted for underwriting, loan processing, down payment assistance, verification of income, verification of employment, verification of assets, insurance, appraisal, title, or closing purposes
• Communications with us, including emails, text messages, voicemails, call recordings where permitted, chat messages, uploaded documents, and form submissions
• Website usage information, including IP address, browser type, device type, pages visited, referring links, date/time stamps, and similar technical information

2. How We Use Your Information

We may use your information for lawful business purposes, including to:

• Respond to inquiries and communicate with you about mortgage products, loan options, eligibility, documentation, and next steps
• Prequalify, pre-approve, process, submit, underwrite, close, and service mortgage-related transactions
• Verify identity, income, employment, assets, liabilities, credit history, occupancy, property information, insurance, title, and other loan-related details
• Request, evaluate, or submit information to wholesale lenders, investors, down payment assistance providers, municipal programs, title companies, insurance providers, appraisal management companies, credit reporting agencies, verification vendors, and other transaction participants
• Provide disclosures, notices, loan estimates, closing disclosures, compliance communications, and required records
• Maintain business records and comply with federal, state, local, regulatory, licensing, audit, investor, lender, anti-fraud, anti-money laundering, and consumer protection requirements
• Improve our website, technology platforms, marketing, customer service, and operational processes
• Send service-related messages, appointment reminders, status updates, and, where permitted, marketing or educational communications
• Detect, prevent, investigate, or respond to fraud, unauthorized activity, security incidents, or legal claims

3. How We Share Information

We do not sell your personal information for money. However, we may share information as necessary to provide mortgage-related services, operate our business, comply with law, and complete your transaction.

We may share information with:

• Wholesale mortgage lenders, investors, aggregators, and underwriting partners
• Credit reporting agencies and credit vendors
• Loan origination systems, customer relationship management platforms, secure document vendors, e-signature platforms, and technology providers
• Title companies, settlement agents, attorneys, real estate professionals, insurance agents, appraisal management companies, appraisers, flood certification providers, tax transcript vendors, verification vendors, and other service providers involved in your transaction
• Down payment assistance programs, housing agencies, municipal or government program administrators, and nonprofit partners when applicable to your loan or requested assistance
• Regulators, licensing agencies, auditors, law enforcement, courts, government authorities, or other parties when required or permitted by law
• Successors, assigns, or business partners in connection with a merger, transfer, restructuring, or sale of business assets, subject to applicable legal requirements

We require service providers to use personal information only for authorized purposes and to protect it using appropriate safeguards.

4. Nonpublic Personal Information and Financial Privacy

As a mortgage company, Total Mortgage Lending LLC may collect and maintain nonpublic personal information as defined under applicable financial privacy laws. We limit the use and disclosure of such information as required by the Gramm-Leach-Bliley Act, Regulation P, and other applicable privacy and consumer financial protection laws.

We may disclose nonpublic personal information to nonaffiliated third parties only as permitted by law, including to process, service, or complete your mortgage transaction; maintain or service your account; comply with legal or regulatory obligations; prevent fraud; or perform services on our behalf.

5. Credit Reports and Authorization

When you authorize us to obtain your credit report, we may request credit information from one or more consumer reporting agencies for mortgage prequalification, pre-approval, application, underwriting, quality control, fraud prevention, and related lawful purposes.

Credit report access may affect your credit depending on the type of inquiry and applicable credit bureau rules. We will obtain required authorization before requesting a credit report.

6. Communications, Calls, Text Messages, and Email

By providing your phone number or email address, you authorize Total Mortgage Lending LLC and its representatives, service providers, and transaction partners to contact you regarding your inquiry, application, loan status, documentation, appointments, disclosures, educational information, and related services.

Communications may include phone calls, emails, text messages, prerecorded messages, or automated technology where permitted by law. Message and data rates may apply. Consent to receive marketing calls or texts is not required as a condition of obtaining credit or services.

You may opt out of marketing text messages by replying STOP, END, CANCEL, UNSUBSCRIBE, QUIT, or similar words, or by contacting us directly. We will honor opt-out requests as required by applicable law. Service-related or transaction-related messages may still be sent where legally permitted or required.

For email communications, you may unsubscribe from promotional emails using the unsubscribe link where available or by contacting us. Even if you unsubscribe from marketing emails, we may still send important transactional, servicing, legal, or compliance-related communications.

7. Website Cookies and Tracking Technologies

Our website may use cookies, pixels, analytics tools, log files, and similar technologies to improve website performance, understand visitor activity, support security, remember preferences, and evaluate marketing effectiveness.

You may be able to disable cookies through your browser settings. However, some website features may not function properly if cookies are disabled.

8. Information Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, disclosure, alteration, or destruction. These safeguards may include secure systems, restricted access, password protection, encryption where appropriate, employee training, vendor oversight, and monitoring of business systems.

No method of transmission or storage is completely secure. You are responsible for using secure methods when sending sensitive information and for protecting your own passwords, devices, and email accounts.

9. Document Submission and Sensitive Information

Mortgage transactions often require sensitive documents. To protect your information, please submit documents only through secure portals or other approved secure methods when available. Avoid sending sensitive personal information through unsecured email or text message unless specifically instructed and you understand the risks.

10. Data Retention

We retain personal information and loan records for as long as necessary to fulfill the purposes described in this Privacy Policy, complete your transaction, maintain business records, resolve disputes, comply with legal and regulatory obligations, satisfy investor or lender requirements, and support audits or examinations.

Retention periods may vary depending on the type of information, the status of your application, applicable law, investor or lender requirements, and business needs.

11. Your Privacy Choices

Depending on applicable law and your relationship with us, you may have the right to:

• Request access to certain personal information we maintain about you
• Request correction of inaccurate information
• Limit certain marketing communications
• Opt out of certain nonessential communications
• Ask questions about our privacy practices

To submit a privacy request, contact us at:

Total Mortgage Lending LLC
Email: admin@totalmortgagelending.com

Phone: (833) 832-6865

We may need to verify your identity before fulfilling certain requests.

12. State Privacy Rights

Some states provide additional privacy rights to residents. Total Mortgage Lending LLC will comply with applicable state privacy laws to the extent they apply to our business, your information, and our relationship with you.

Because mortgage and financial information may be subject to federal financial privacy laws, certain information may be exempt from some state consumer privacy law provisions.

13. Children’s Privacy

Our services are intended for adults seeking mortgage-related information or services. We do not knowingly collect personal information from children under 13. If we learn that we have collected personal information from a child under 13 without appropriate consent, we will take reasonable steps to delete it.

14. Third-Party Websites and Services

Our website, emails, or communications may contain links to third-party websites, platforms, portals, or service providers. We are not responsible for the privacy practices, security, or content of third-party websites or platforms. Please review their privacy policies before providing information.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be posted on our website with a revised “Last Updated” date. Your continued use of our website or services after changes are posted means you acknowledge the updated Privacy Policy.

16. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact:

 

Total Mortgage Lending LLC
NMLS 1779594
www.totalmortgagelending.com
Phone: (833) 832-6865
Email: admin@totalmortgagelending.com
Hours: Monday through Friday, 9:00 AM – 6:00 PM