HomeBridge Mortgage Legal & Policy Center

HomeBridge Mortgage operates as an educational discovery and mortgage advisory directory. We gather only the minimal necessary information required to formulate realistic loan estimates and match buyers with licensed advisors:

• Purchase & Property Parameters: Target home purchase price, estimated down payment percentage, intended property usage (primary residence, secondary home, or investment), and property state/ZIP code.
• Borrower Profile (Self-Reported): Estimated credit score range, approximate annual household income, and employment classification (W2, self-employed, military/VA eligible).
• Contact Details: Name, phone number, and email address provided when voluntarily requesting a free rate consultation or pre-approval roadmap.
• Technical Diagnostics: Anonymized browser headers, interaction metrics, and device parameters used strictly for platform stability and speed optimization.

Data submitted through HomeBridge Mortgage is processed strictly for educational comparisons and requested mortgage advisory services:

• To calculate estimated monthly principal and interest (P&I), property tax reserves, and private mortgage insurance (PMI) thresholds.
• To evaluate eligibility for specialized programs including First-Time Homebuyer, Conventional, FHA, VA, and Jumbo loan options.
• To connect you with a dedicated loan advisor if you request direct human guidance.
• To provide rate alerts and loan milestones you explicitly opt into.

Exploring rate tables, reading advisory bios, and using our monthly payment calculator does not impact your credit score.

A formal, binding mortgage pre-approval application requires hard credit verification through credit bureaus (Equifax, Experian, TransUnion), which is only initiated with your explicit, written consent.

When you submit a contact request for a HomeBridge advisor:

• You will be contacted only by designated loan specialists regarding your specific home purchase or refinance request.
• We strictly prohibit robocalling or selling your number to unsolicited telemarketing call centers.
• You can easily opt out of any email or SMS communication at any time by clicking Unsubscribe or replying STOP.

Depending on your state of residence, you have full governance over your personal information:

• Right to Know & Access: You may request a summary of the personal and financial inquiry data stored in our system.
• Right to Delete: You can request immediate erasure of your contact details and inquiry records from active directories.
• Non-Discrimination: We never alter quote availability or service quality should you exercise your privacy rights.

Inquiry records are retained only as long as necessary to complete your consultation or comply with federal mortgage compliance retention guidelines. For privacy inquiries or data requests, contact our Compliance Office at privacy@altftools.com.