Mortgage Pro Home Loans
(719) 505-5561

CCPA PRIVACY POLICY - Revised January 2024

Tri-Peaks Mortgage Inc., d/b/a Mortgage Pro Home Loans and its subsidiaries and affiliates (collectively, the “Companies”, “us”, “we”, or “our”), respect your privacy, and we are committed to providing transparent notice of our CCPA privacy practices.

PURPOSE

The California Consumer Privacy Act (the “CCPA”) grants California residents (“Consumers”) certain rights with respect to information collected by businesses that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, to them or their households (“Personal Information”). These rights include (i) the right to request that a business disclose the categories and specific pieces of Personal Information that it has collected about the Consumer, (ii) the right to request that the business delete Personal Information it has collected about the Consumer, (iii) the right to request that a business disclose the categories of sources from which Personal Information is collected, the business or commercial purpose(s) for which Personal Information is collected, and the categories of third parties with whom the business shares Personal Information, (iv) the right to direct a business that sells Personal Information to not sell the Consumer’s Personal Information (the right to “Opt Out”), and (v) the right to not be subjected to discrimination because the Consumer exercises any of the rights granted by the CCPA.

The purpose of this CCPA Privacy Policy (the “Privacy Policy”) is to affirm Mortgage Pro Home Loans Inc.’s continued commitment to safeguarding both the privacy and security of Consumer’s Personal Information and to establish and publish policies and procedures that adhere to the requirements of and afford Consumers their rights under the CCPA.

SCOPE

This Privacy Policy applies to the Personal Information of California residents that is collected or received by us from and after January 1, 2019. This Privacy Policy applies to all data, transactions, activities, and persons to the extent they are covered by, and subject to the CCPA.

DEFINITIONS

All capitalized terms used in this Privacy Policy shall have the meaning ascribed to those terms by the CCPA, unless otherwise expressly defined herein.

YOUR RIGHT TO KNOW

Under the CCPA, a Consumer has the right to request that Mortgage Pro Home Loans disclose the categories and specific pieces of Personal Information that it has collected about him/her/them (a “Request to Know”). A Consumer also has the right to receive a copy of the personal Information we collected through the submission to Mortgage Pro Home Loans. Once the request is verified, Mortgage Pro Home Loans will respond to a Request to Know and, if applicable, provide a Consumer with a copy of the Personal Information it maintains free of charge, within forty-five (45) days after receipt of the request. The 45-day response period may extend one time for an additional forty-five (45) days upon notice to the Consumer.

HOW TO SUBMIT REQUEST TO KNOW

You can make a Request to Know by submitting a Verifiable Consumer Request to Mortgage Pro Home Loans in one of the following three ways.

Toll Free Telephone Number. You can call us directly on our toll-free telephone line at 800-910-0370.

Online Portal. You can submit your request online through Mortgage Pro Home Loans electronic portal by clicking HERE.

U.S. Mail. You can write to us directly at:

Mortgage Pro Home Loans

Attn: CCPA Compliance

1052 Mill Creek Road

Bradenton, FL 34212


WHAT PERSONAL INFORMATION DO WE COLLECT

Mortgage Pro Home Loans is a residential mortgage lender that provides home loans to consumers. In providing these financial services, Mortgage Pro Home Loans collects and receives from consumers and other sources personal information that identifies, relates to, describes, is capable of being associated with, or can be linked, directly or indirectly, to a consumer or household (“Personal Information”).

When you apply for a home loan, or otherwise seek a pre-qualification, pre-approval, or other financial service from Mortgage Pro Home Loans, the categories of Personal Information that we will collect from and about you include the following:

  • Identifying information
  • Contact information
  • Location information
  • Demographic information and legally protected characteristics.
  • Citizenship information
  • Employment information
  • Education information
  • Family and Household information
  • Income information
  • Expense information
  • Asset information
  • Liability information
  • Credit/Credit History information
  • Tax information
  • Investment information
  • Retirement information
  • Housing/Housing Preference information
  • Mortgage/Mortgage Preference information
  • Internet and other electronic network activity information

Mortgage Pro Home Loans uses the Personal Information it collects from and about you to offer, make, monitor, service, sell, insure, and securitize any home loan offered to or accepted by you, and for the following additional purposes:

  • To provide home loans requested by you.
  • To identify/confirm your identity.
  • To communicate with you.
  • To evaluate your creditworthiness, credit standing, credit capacity, and credit history.
  • To process and underwrite your loan application.
  • To fund and close a home loan for you.
  • To obtain governmental guaranties and mortgage insurance.
  • To obtain private mortgage insurance.
  • To make available and to obtain loan pricing and interest rates.
  • To sell, transfer, and assign your home loan after it closes.
  • To service your home loan after it closes.
  • To collect delinquent payments and to foreclose, if necessary.
  • To engage in marketing and advertising campaigns and outreach.
  • To detect security incidents.
  • To protect against malicious, deceptive, fraudulent, and illegal activity.
  • To debug in order to identify and repair errors that impair system functionality.
  • To make reports and issue statements for federal, state, and local tax purposes.
  • To maintain and retain records consistent with Mortgage Pro Home Loans record-keeping obligations.
  • To ensure legal, regulatory, and administrative compliance.
  • To initiate and defend against legal, regulatory, and administrative claims and related matters.
  • To comply with private investor, Fannie Mae, Freddie Mac, HUD, VA, and RDS requirements.
  • To comply with applicable federal, state, and local laws, regulations, and requirements.

WHAT PERSONAL INFORMATION IS SOLD

Mortgage Pro Home Loans does not sell Consumer Personal Information.

NOTICE OF OPT OUT RIGHTS

Under the California Consumer Privacy Act (the “CCPA”), Consumers have the right to request that a business that sells Consumer Personal Information to Third Parties not sell their Personal Information (a “Request to Opt-Out”). A business that sells Consumer Personal Information and that has received a Request to Opt-Out is prohibited from selling a Consumer’s Personal Information unless the Consumer subsequently provides the business with express authorization to do so. Mortgage Pro Home Loans does not sell Consumer Personal Information. Mortgage Pro Home Loans does sell mortgage loans to buyers on the secondary market. As part of these secondary market transactions, Consumer Personal Information for purchased mortgage loans is transferred along with the mortgage loan itself to the loan buyer.

You can make a Request to Opt-Out to Mortgage Pro Home Loans by submitting a Verifiable Consumer Request through our online portal HERE. You may also submit a Request to Opt-Out by calling toll free at 800-910-0370 or by writing to us at

Mortgage Pro Home Loans

Attn: Compliance

1052 Mill Creek Road

Bradenton, FL 34212

If you submit a Request to Opt-Out through an Authorized Agent, Mortgage Pro Home Loans will require the following two things:

  1. Written documentation from you that shows that your agent is authorized to make requests on your behalf, and
  2. Mortgage Pro Home Loans will require your Authorized Agent to verify his or her identity.

We will not be able to approve any CCPA request it receives from any Authorized Agent who does not or cannot satisfactorily prove that they are authorized to act on a consumer’s behalf.

After receipt of a Verifiable Consumer Request, Mortgage Pro Home Loans will respond to a Request to Opt-Out within fifteen (15) days after receipt of the request and, if legally required, and as applicable, will not sell a Consumer’s Personal Information to any Third Party.

HOW TO EXERCVISE YOUR RIGHT UNDER THE CCPA

Mortgage Pro Home Loans “we” have set up three (3) different ways to allow you to exercise your rights under the California Consumer Privacy Act (“CCPA”).

TOLL FREE NUMBER

You can call us directly at any time and on any day on our toll-free telephone line at 800-910-0370

If you use this method, you will have the option of leaving us a voice mail if we are closed or otherwise not available when you call.

ONLINE PORTAL

You can submit requests to Mortgage Pro Home Loans at any time and on any day through our online electronic portal by clicking HERE.

REGULAR MAIL

You can submit requests to Mortgage Pro Home Loans by writing to us directly at:

Mortgage Pro Home Loans
Attn: CCPA Compliance
1052 Mill Creek Road

Bradenton, FL 34212