Privacy Policy

1. Who We Are

My Mortgage Company, Inc. ("Company," "we," "us," or "our") is a licensed California mortgage broker (DRE #02168831 · NMLS #2269164) headquartered at 5500 Ming Ave, Ste 340, Bakersfield, CA 93309. This Privacy Policy describes how we collect, use, disclose, and protect your personal information when you visit mymtgco.com or contact us about our mortgage services.

2. Information We Collect

We collect information you provide directly to us, including:

• Name, email address, phone number, and mailing address
• Financial information (income, assets, employment) submitted in connection with a loan application
• Social Security number and government-issued ID information required for loan processing
• Credit and property information necessary to evaluate your loan request
• Communications you send us via our contact form, email, or phone

We also collect certain information automatically when you visit our site, such as your IP address, browser type, pages visited, and referring URLs, through standard web server logs and analytics tools.

3. How We Use Your Information

We use the information we collect to:

• Process and evaluate your mortgage loan application
• Communicate with you about your application, rates, and loan options
• Verify your identity and comply with applicable laws and regulations
• Respond to your inquiries and provide customer service
• Send you information about products and services you may find useful (you may opt out at any time)
• Comply with legal obligations, including reporting requirements under the Home Mortgage Disclosure Act (HMDA) and the Bank Secrecy Act
• Improve our website and services

4. How We Share Your Information

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

• Lenders and wholesale partners to whom we submit your loan application
• Third-party service providers (e.g., credit bureaus, title companies, appraisers, closing agents) who assist in processing your loan
• Government agencies and regulators as required by law, including HMDA reporting
• Legal and compliance parties when required to protect our rights or comply with legal process
• Affiliated businesses with your consent

All third parties with whom we share personal information are required to maintain appropriate confidentiality and security standards.

5. California Privacy Rights (CCPA / CPRA)

Under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), California residents have the right to:

• Know what personal information we collect, use, disclose, and sell
• Delete personal information we hold about you (subject to certain exceptions)
• Correct inaccurate personal information
• Opt out of the sale or sharing of your personal information (we do not sell personal information)
• Non-discrimination for exercising your privacy rights
• Limit the use of sensitive personal information

To submit a request, contact us at omar@mymtgco.com or call (805) 249-0131. We will respond within 45 days. See our full CCPA Notice for additional details.

6. Financial Privacy Notice (GLBA)

As a mortgage broker, we are subject to the Gramm-Leach-Bliley Act (GLBA). We limit the sharing of your nonpublic personal information and maintain physical, electronic, and procedural safeguards to protect it. You have the right to opt out of certain information sharing with non-affiliated third parties. To opt out, contact us at omar@mymtgco.com.

7. Fair Credit Reporting Act (FCRA)

As a mortgage broker, we may obtain consumer credit reports in connection with your loan application. Under the Fair Credit Reporting Act (FCRA), you have the right to know if information in a credit report has been used against you. If we take adverse action on your application based in whole or in part on information in a consumer report, we will notify you and provide the name and contact information of the consumer reporting agency that furnished the report. You have the right to obtain a free copy of your credit report from that agency within 60 days of receiving the adverse action notice, and to dispute inaccurate information. We use credit information solely for the purpose of evaluating your creditworthiness for a mortgage loan and do not share credit report data beyond what is necessary for that purpose.

8. Phone & Text Communications (TCPA)

When you provide your phone number through a form on this Site, you consent to receive phone calls and text messages from My Mortgage Company, Inc. regarding your inquiry or loan application. This may include calls or texts from an automated dialing system or pre-recorded messages. Your consent to receive marketing calls or texts is not required as a condition of obtaining any loan product or service.

Opt-out: You may opt out of text messages at any time by replying STOP to any text message you receive from us. To opt out of phone calls, contact us directly at omar@mymtgco.com or (805) 249-0131.

We honor the National Do Not Call Registry. If your number is on the Do Not Call Registry and you receive an unwanted marketing call from us, please notify us immediately at the contact information above.

9. Cookies & Tracking

Our website uses cookies and similar technologies to improve your experience, analyze traffic, and understand how visitors interact with our site. You can control cookie settings through your browser. Disabling cookies may affect some site functionality. We do not currently respond to browser "Do Not Track" signals.

10. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

11. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy and to comply with legal and regulatory obligations. Mortgage-related records are typically retained for a minimum of three (3) years following the closing of a loan or the denial of an application, as required by federal and California law.

12. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us and we will promptly delete it.

13. Third-Party Links

Our website may contain links to third-party websites (such as lender portals or calculator tools). We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies separately.

14. Changes to This Policy

We may update this Privacy Policy from time to time. The effective date at the top of this page reflects when the policy was last revised. Continued use of our website after any update constitutes your acceptance of the revised policy.

15. Contact Us

For questions about this Privacy Policy or to exercise your rights, contact: