Homewise Mortgage Solutions (“Homewise,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide to us.

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This Privacy Policy explains how MMHW, LLC d/b/a Homewise Mortgage Solutions collects, uses, discloses, and protects information obtained through our website, online forms, communications, mortgage-related services, and other interactions with us.

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By using our website or voluntarily providing information to us, you acknowledge the practices described in this Privacy Policy.

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1. Information We May Collect

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We may collect information that you provide directly to us, including:

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• Name

• Mailing or property address

• Email address

• Telephone or mobile number

• Information submitted through website contact forms

• Information related to your homebuying, refinancing, or mortgage goals

• Employment and income information

• Asset and financial information

• Mortgage and property information

• Credit-related information when authorized and appropriate

• Government-issued identification information

• Social Security number or other identifying information when required as part of a mortgage application or transaction

• Documents or information you voluntarily provide in connection with mortgage services

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Our website may also automatically collect certain technical information, such as browser type, device type, IP address, pages visited, referring pages, and general website usage information through cookies and similar technologies.

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2. How We Use Information

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We may use information we collect to:

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• Respond to questions or requests

• Provide mortgage brokerage services

• Help consumers explore mortgage and financing options

• Process or facilitate mortgage applications

• Communicate regarding applications, transactions, documents, or services

• Schedule appointments

• Provide customer service

• Operate and improve our website and services

• Maintain records

• Prevent fraud and protect the security of our systems

• Meet regulatory, licensing, legal, and compliance requirements

• Communicate information about Homewise products or services when permitted by law

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We use personal information only for legitimate business, operational, regulatory, and legal purposes consistent with the services we provide.

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3. How Information May Be Disclosed

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Because Homewise is a mortgage brokerage, providing mortgage services may require information to be disclosed to third parties involved in evaluating, processing, facilitating, or completing a mortgage transaction.

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Depending on your transaction and authorization, these parties may include:

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• Mortgage lenders and wholesale lending partners

• Credit reporting agencies

• Appraisal providers

• Title and settlement service providers

• Insurance providers

• Verification and fraud-prevention providers

• Technology and mortgage-processing service providers

• Loan origination and document-management providers

• Government agencies, regulators, courts, or law enforcement when required by law

• Other service providers necessary to provide requested mortgage services

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We may also disclose information as permitted or required by applicable law. Homewise does not sell your personal information to third parties for their independent marketing purposes.

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4. Mobile Information and Text Messaging

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No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

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No mobile information will be shared with third parties or affiliates, except as necessary to provide services requested by you, support messaging functionality, prevent fraud, maintain security, or as required or permitted by law.

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Text messaging originator opt-in data and consent will not be shared with third parties for their own marketing purposes.

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If you provide a mobile telephone number and consent to receive text messages from Homewise Mortgage Solutions, message frequency may vary. Message and data rates may apply.

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You may opt out of text messages at any time by replying STOP. You may reply HELP for assistance or contact us using the information provided below.

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Consent to receive marketing text messages is not a condition of obtaining mortgage services from Homewise Mortgage Solutions.

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5. Cookies and Website Technologies

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Our website may use cookies and similar technologies to operate the website, remember preferences, understand website usage, measure performance, and improve the user experience.

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Third-party services integrated into our website may also use cookies or similar technologies according to their own privacy policies.

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You may be able to control certain cookies through your browser settings. Disabling some cookies may affect website functionality.

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6. Third-Party Services and Links

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Our website may contain links to or integrations with third-party services, including mortgage application platforms, scheduling tools, lenders, social networks, analytics providers, and other service providers.

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When you leave the Homewise website or use a third-party service, that provider's privacy practices may apply.

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Homewise is not responsible for the privacy practices or content of independently operated third-party websites.

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7. How We Protect Personal Information

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Homewise maintains administrative, technical, and physical safeguards designed to protect customer information from unauthorized access, use, alteration, or disclosure.

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Access to nonpublic personal information is limited as appropriate to employees, contractors, service providers, and other authorized parties who need the information to provide services or perform legitimate business functions.

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No method of electronic transmission or storage can be guaranteed to be completely secure, however, and we cannot guarantee absolute security.

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This section is important because the FTC Safeguards Rule specifically requires covered financial institutions, including mortgage brokers, to maintain an information-security program appropriate to their operations and the sensitivity of customer information. Federal Trade Commission

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8. Nonpublic Personal Information

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As a mortgage brokerage, Homewise may collect “nonpublic personal information” in connection with providing financial products or services.

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This may include information provided on a mortgage application, information relating to a mortgage transaction, credit information, account information, income, assets, employment information, and other information obtained in connection with providing mortgage services.

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We handle such information in accordance with applicable federal privacy requirements, including the Gramm-Leach-Bliley Act and applicable regulations.

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Federal GLBA rules require covered financial institutions to describe their collection, sharing, and safeguarding practices and, where applicable, provide consumers with rights concerning certain disclosures to nonaffiliated third parties. Federal Trade Commission

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9. Information Retention

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We may retain personal information for as long as reasonably necessary to:

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• Provide requested services

• Maintain business and transaction records

• Meet mortgage-industry recordkeeping requirements

• Satisfy regulatory, licensing, legal, accounting, and compliance obligations

• Resolve disputes

• Prevent fraud

• Enforce agreements

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Retention periods may vary depending on the type of information and applicable legal requirements.

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10. Children's Privacy

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Our website and mortgage services are not directed toward children under 13, and we do not knowingly collect personal information from children under 13 through our website.

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If we learn that information from a child under 13 has been collected through the website, we will take reasonable steps to address the information as required by applicable law.

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11. Email Communications

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If you provide your email address, we may use it to respond to your inquiry, communicate regarding mortgage services, provide transaction-related information, or send other communications permitted by law.

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Where applicable, marketing emails will provide a method to unsubscribe from future marketing communications.

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Transactional, servicing, regulatory, or other legally required communications may not be subject to marketing opt-out requests.

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12. Your Privacy Choices

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Depending on the nature of your relationship with Homewise and applicable law, you may have certain rights or choices regarding your personal information.

You may contact us to:

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• Update or correct certain contact information

• Ask questions about our privacy practices

• Request to stop certain marketing communications

• Withdraw consent for text marketing communications

• Ask about information-sharing practices applicable to your relationship with us

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Certain information may need to be retained or disclosed to comply with federal or state law, regulatory requirements, mortgage transaction requirements, fraud-prevention obligations, or other permitted purposes.

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13. Florida Residents and Data Security

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Homewise maintains procedures intended to protect personal information consistent with applicable federal and Florida requirements.

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Florida law includes requirements relating to the protection of personal information and notification following certain security breaches. Online Sunshine

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The Florida Digital Bill of Rights contains an exemption for financial institutions or data subject to Title V of the Gramm-Leach-Bliley Act. Online Sunshine

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Nothing in this Privacy Policy is intended to limit any rights a consumer may have under applicable federal or state law.

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14. Changes to This Privacy Policy

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We may update this Privacy Policy periodically to reflect changes in our services, technology, business practices, or applicable legal requirements.

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When changes are made, the Last Updated date at the top of this page will be revised.

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Material changes may also be communicated through other appropriate means when required by law.

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15. Contact Homewise Mortgage Solutions

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Questions about this Privacy Policy or our privacy practices may be directed to:

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Homewise Mortgage Solutions
MMHW, LLC d/b/a Homewise Mortgage Solutions
NMLS #2491986

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264 W. Central Ave., Suite A
Winter Haven, FL 33880

Phone: 863-236-3868

Email: info@homewise.mortgage

 

Website: homewise.mortgage

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Consumers may also obtain information about mortgage companies and mortgage loan originators through NMLS Consumer Access.