Privacy Policy

1. Introduction

Options Home Loans LLC ("Options Home Loans," "we," "us," or "our"), NMLS #2221613, is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at optionshomeloans.com or submit a loan inquiry.

2. Information We Collect

We may collect the following types of information:

• Personal Identification Information: Name, email address, phone number, mailing address.
• Financial Information: Income, employment status, credit score range, loan amount, property information — collected only when you submit a loan inquiry or pre-approval application.
• Usage Data: IP address, browser type, pages visited, time spent on pages, referring URLs — collected automatically via cookies and analytics tools.
• Communications: Records of your correspondence with us via phone, email, or web forms.

3. How We Use Your Information

We use the information we collect to:

• Process your mortgage inquiry or pre-approval application
• Contact you about your loan request via phone, email, or text message
• Provide rate quotes and loan program information
• Improve our website and services
• Comply with legal and regulatory obligations
• Send marketing communications (you may opt out at any time)

4. TCPA Consent

By submitting a contact form on our website, you expressly consent to receive calls, emails, and text messages from Options Home Loans LLC at the phone number and email address you provide, including calls and texts made using an automatic telephone dialing system or pre-recorded voice. Consent is not a condition of purchase. You may opt out at any time by replying STOP to any text message or contacting us at [email protected].

5. Information Sharing

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

• Wholesale Lenders: To process your loan application and obtain rate quotes on your behalf.
• Service Providers: Third-party vendors who assist us in operating our website and conducting our business (e.g., email service providers, CRM platforms), subject to confidentiality agreements.
• Legal Requirements: When required by law, court order, or governmental authority.
• Business Transfers: In connection with a merger, acquisition, or sale of assets.

6. Cookies and Tracking

We use cookies and similar tracking technologies to analyze website traffic and improve user experience. We use Google Analytics (GA4) and Google Ads conversion tracking. You may disable cookies through your browser settings; however, some features of our website may not function properly without them.

7. Data Security

We implement reasonable administrative, technical, and physical security measures to protect your personal information. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

8. Your Rights (California Residents)

Under the California Consumer Privacy Act (CCPA), California residents have the right to:

• Know what personal information we collect and how it is used
• Request deletion of your personal information
• Opt out of the sale of personal information (we do not sell personal information)
• Non-discrimination for exercising your privacy rights

To exercise these rights, contact us at [email protected] or (949) 939-1622.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page with a revised "Last updated" date.

11. Contact Us

If you have questions about this Privacy Policy, please contact us: