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Privacy Policy

At Physicians Home Mortgage (“we,” “us,” or “our”), accessible via http://www.physicianshomemortgage.com/ , we are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your nonpublic personal information (NPI) and personal data when you visit our website or use our mortgage brokering services.

1. Information We Collect
Because we evaluate financial profiles for prospective mortgage loans, we collect information that identifies, relates to, or describes you (“Personal Information”). This includes:

  • Identifiers: Name, email address, phone number, mailing address, Social Security Number (SSN), and driver’s license or government ID.
  • Financial & Employment Information: Income, employment history, assets, liabilities, bank statements, tax returns (W-2s, 1099s), and credit history.
  • Property Information: Details regarding the property you wish to purchase or refinance.
  • Technical & Usage Data: IP address, browser type, operating system, and browsing behavior on our Website collected via cookies and tracking technologies.

2. How We Collect Your Information
We collect information through three primary methods:

  • Directly From You: When you fill out contact forms, submit a pre-qualification request, or upload loan application documents.
  • From Third Parties: With your explicit authorization, we obtain credit reports from consumer reporting agencies (Equifax, Experian, TransUnion), employment verifications, and asset confirmations.
  • Automatically: Standard website analytics tools track how you interact with our site to optimize user experience.

3. How We Use Your Information
We use your data strictly to facilitate the mortgage brokering process, including to:

  • Evaluate your eligibility for residential mortgage programs.
  • Connect your file with prospective wholesale lenders, underwriters, and settlement service providers.
  • Communicate with you regarding your loan status, updates, or informational requests.
  • Comply with federal and state regulatory requirements, including anti-money laundering (AML) laws and the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act).

4. Sharing and Disclosure of Information
We do not sell your personal information to third parties. We share your information only as permitted by law to fulfill your request for a mortgage, specifically with:

  • Wholesale Lenders & Underwriters: To secure loan approvals.
  • Settlement Providers: Appraisers, title companies, escrow agents, and credit reporting bureaus necessary to close your loan.
  • Service Providers: Trusted vendors who manage our website, CRM, or document storage under strict confidentiality agreements.
  • Legal Authorities: When required by law, subpoena, or regulatory audit.

5. GLBA and Financial Privacy Compliance
In accordance with the Gramm-Leach-Bliley Act (GLBA), we maintain stringent physical, electronic, and procedural safeguards to protect your NPI. We restrict access to your personal and financial information to employees and partners who absolutely require that information to provide products or services to you.

6. Cookies and Tracking Technologies
Our Website uses cookies to remember your preferences and analyze traffic. You can choose to disable cookies through your individual browser settings; however, doing so may impact your ability to use certain interactive features on our Website.

7. Your Rights and Choices
Depending on your state of residence (such as California), you may have specific rights regarding your personal data, including:

  • The right to request access to the categories and specific pieces of data we hold about you.
  • The right to request deletion of your personal data (subject to legal and regulatory record-retention obligations under lending laws).
  • The right to opt-out of certain communications.

To exercise any of these rights, please contact us at the email or phone number listed below.

8. Data Security and Retention
We implement industry-standard encryption (SSL/TLS) for data transmission and secure storage protocols. Please note that under financial and lending regulations, we are legally required to retain loan application files for specific periods (typically 3 to 5 years minimum, depending on state and federal mandates) even if a loan does not close.

9. Contact Us
If you have any questions or concerns regarding this Privacy Policy, please contact us at:

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