Privacy Policy

More House Mortgages, Inc. ("More House Mortgages," "we," "us," or "our") respects your privacy. This Privacy Policy explains what information we collect through https://www.morehousemortgages.com/ (the "Site"), how we use it, and the choices you have. It applies to our marketing website and does not replace the separate privacy notice required at the time you formally apply for a mortgage loan (see "Mortgage Application Privacy Notices" below).

Information We Collect

We collect information you voluntarily provide through our contact, pre-approval, and consultation request forms, which may include:

• Name, email address, phone number, and mailing address
• Date of birth
• Information about your income, assets, employment, and credit history
• Details about the property you are purchasing or refinancing
• Any other information you choose to include in a message to us

We also automatically collect limited technical information when you browse the Site, such as your IP address, browser type, device type, pages viewed, and referring URLs, typically through cookies and analytics tools described below.

How We Use Your Information

We use the information you provide to:

• Respond to your inquiries and schedule consultations
• Evaluate your eligibility for pre-qualification or pre-approval and prepare loan program recommendations
• Communicate with you about your loan application and the status of your request
• Improve our Site, marketing, and services
• Meet legal, regulatory, and recordkeeping obligations that apply to mortgage brokers

How We Share Your Information

We do not sell your personal information. We may share it with:

• Wholesale lenders, credit reporting agencies, and other service providers as necessary to process a pre-qualification, pre-approval, or loan application
• Vendors who help us operate the Site, send communications, or store data on our behalf, under confidentiality obligations
• Regulators or government authorities where required by law
• A successor entity in the event of a merger, acquisition, or sale of business assets

Cookies and Analytics

Our Site uses cookies and similar technologies to remember basic preferences and to understand how visitors use the Site through analytics tools. These tools may collect information such as pages visited, time on site, and general geographic location. You can control cookies through your browser settings; disabling them may limit some Site functionality, but will not prevent you from contacting us or applying for a loan.

Data Retention and Security

We retain personal information for as long as necessary to fulfill the purposes described in this policy and to satisfy legal, accounting, and regulatory requirements applicable to mortgage brokers. We use reasonable administrative and technical safeguards to protect information submitted through the Site, but no method of transmission or storage is completely secure.

Your Choices

You may contact us at any time to ask what information we hold about you, to request corrections, or to ask that we stop contacting you for marketing purposes. We will honor reasonable requests to the extent consistent with our legal and contractual obligations.

Mortgage Application Privacy Notices

If you formally apply for a mortgage loan with us, federal law requires that we provide you with additional, separate privacy disclosures describing in detail how nonpublic personal financial information is collected, used, and shared in connection with your application (consistent with financial privacy requirements applicable to mortgage lenders, such as those addressing consumer financial privacy and fair lending notices). Those disclosures are provided directly as part of the application process and are separate from, and more detailed than, this general marketing-site policy.

Children's Privacy

The Site is intended for adults seeking mortgage financing and is not directed to children under 13. We do not knowingly collect personal information from children.

Changes to This Policy

We may update this Privacy Policy from time to time. The "Last updated" date above reflects the most recent revision. Continued use of the Site after changes are posted constitutes acceptance of the updated policy.

Contact Us

Questions about this Privacy Policy can be sent to kevin@morehousemortgages.com or by mail to 6650 Rivers Ave. #120, North Charleston, SC 29406.