Privacy Policy

Marcus Home Loans, operated by Marcus Cavazos (NMLS #1938369), ("we," "us," or "our") is committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website marcushomeloans.com or contact us for mortgage services.

By using our website or submitting your information through our contact or booking forms, you agree to the terms of this Privacy Policy.

1. Information We Collect

We may collect the following types of information:

a. Personal Information You Provide

• Full name, email address, phone number
• Mailing address or property address
• Financial information relevant to your mortgage inquiry (income, credit, assets)
• Details submitted through our contact, pre-qualification, or consultation booking forms

b. Automatically Collected Information

• IP address, browser type, device type, and operating system
• Pages visited, time spent on pages, and referring URLs
• Cookies and similar tracking technologies

2. How We Use Your Information

We use the information we collect to:

• Respond to your mortgage inquiries and pre-qualification requests
• Schedule and confirm consultation appointments
• Send you relevant loan program information, rate updates, and educational content
• Send transactional and marketing communications via email and/or SMS (with your consent)
• Improve our website, services, and marketing efforts
• Comply with applicable federal and state laws and regulations
• Prevent fraud and protect our legal rights

3. SMS / Text Message Communications (A2P)

By providing your mobile phone number and submitting a form on our website, you expressly consent to receive text messages (SMS) from Marcus Home Loans at the mobile number you provided. These messages may include:

• Appointment confirmations and reminders
• Responses to your mortgage inquiries
• Loan status updates and document requests
• Promotional information about mortgage programs and rates

4. How We Share Your Information

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

• Lending Partners & Lenders: To process your mortgage application and obtain loan quotes on your behalf.
• Service Providers: Third-party vendors who assist us with CRM, scheduling, email, or SMS services, bound by confidentiality agreements.
• Legal Authorities: When required by law, court order, or to protect our legal rights.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, with appropriate confidentiality obligations.

5. Cookies & Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and understand where our visitors come from. You can control cookies through your browser settings. Disabling cookies may limit some functionality of our site.

We may use third-party analytics tools (such as Google Analytics) that collect anonymized data about how visitors interact with our website.

6. Data Security

We implement reasonable administrative, technical, and physical security measures to protect your personal information. However, no data transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security but strive to use commercially acceptable standards to protect your data.

7. Your Rights & Choices

Depending on your state of residence, you may have the right to:

• Access, correct, or delete your personal information
• Opt out of marketing emails by clicking "Unsubscribe" in any email
• Opt out of SMS messages by replying STOP
• Request a copy of the data we hold about you

California residents may have additional rights under the California Consumer Privacy Act (CCPA). To exercise any of these rights, contact us at mcavazos@wpfloans.com.

8. Third-Party Links

Our website may contain links to third-party websites (e.g., lender partners, government resources). We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.

9. Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us immediately.

10. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date at the top of this page. We encourage you to review this page periodically to stay informed about how we protect your information.

11. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us: