Privacy Policy

1. Introduction & Business Identity

Mortgage Loans With Joanna (“Company”, “we”, “us”, or “our”), doing business as Mortgage Loans With Joanna, is a licensed mortgage brokerage operating in the state of California (NMLS #2198421, DRE #02148903). We are committed to protecting the privacy, confidentiality, and security of our clients, prospective borrowers, and website visitors.

2. Strict Prohibition on Selling or Buying Leads

We do not sell, rent, trade, or broker your personal or contact information to any third parties.We do not purchase cold telemarketing lists or affiliate lead batches. All inquiries handled by Joanna are first-party direct inquiries for residential mortgage and real estate investor financing services.

3. Information We Collect

When you submit a loan inquiry, request a mortgage rate consultation, or contact us through our website, we may collect:

• Contact Information: Full name, email address, phone number, and mailing address.
• Loan Inquiry Details: Loan program interest (e.g. Conventional, FHA, Non-QM, DSCR, HELOC), estimated purchase price or property value, loan goals, and timeline.
• Technical Data: Browser user agent, IP address, and page interaction timestamps for security and verification purposes.

4. How We Use Your Information

Your information is utilized solely to:

• Respond directly to your loan pre-qualification or mortgage questions.
• Provide rate quotes, loan comparisons, and closing cost breakdowns.
• Send transaction updates, application milestone notifications, and appointment reminders.
• Provide optional updates about mortgage programs or market trends if you explicitly opted into promotional messages.

5. Mobile SMS Messaging & Consent Separation

In accordance with Federal CTIA regulations and carrier A2P 10DLC requirements:

• Consent to receive SMS is completely voluntary and is never required as a condition to apply for or receive a mortgage loan.
• We maintain strict separation between Non-Marketing transactional text messages (loan milestone updates, appointment confirmations) and Marketing messages (market rate reports, program updates). Checkboxes are never pre-selected.
• You may opt out of SMS communications at any time by replying STOP to any message, or reply HELP for assistance.

6. Data Security & Retention

We implement industry-standard administrative, physical, and technological safeguards to protect your personal and financial information. Sensitive loan application materials are transmitted using SSL/TLS encryption.

7. Contact Information

If you have any questions regarding this Privacy Policy or your personal information, please reach out directly: