Effective Date: March 20, 2026 | Last Updated: March 31, 2026
Ideal Home Lending LLC (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal and financial information in connection with our mortgage lending services and website. This policy is designed to comply with applicable federal and state laws, including the Gramm-Leach-Bliley Act (GLBA), the Telephone Consumer Protection Act (TCPA), and applicable Texas state privacy requirements.
By using our website or submitting your information, you acknowledge and agree to the terms of this Privacy Policy.
1. Information We Collect
We may collect the following categories of personal and financial information (referred to under federal law as “Nonpublic Personal Information” or “NPI”):
a. Information You Provide Directly
•Full legal name, date of birth, and government-issued identification
•Home address, mailing address, and contact information (phone number and email address)
•Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
•Employment information, including employer name, income, and employment history
•Financial information including assets, liabilities, bank account details, and credit history
•Property information related to a mortgage application
•Any other information you voluntarily provide through forms, applications, or communications
b. Information Collected Automatically
•IP address, browser type, device type, and operating system
•Pages visited, time spent on pages, and referring URLs
•Cookie and tracking data (see Section 9 for details)
c. Information from Third Parties
•Credit reports and scores from consumer reporting agencies
•Property valuation and title information from third-party service providers
•Verification data from employers, financial institutions, or government agencies
2. How We Use Your Information
We use the information we collect for the following purposes:
•Processing and evaluating mortgage loan applications
•Verifying your identity and assessing creditworthiness
•Communicating with you about your application, loan status, and related services
•Sending SMS/text messages and other communications as described in Section 6
•Complying with federal and state legal obligations, including fair lending and anti-money laundering laws
•Improving our website functionality and user experience
•Responding to your inquiries and providing customer support
•Sending informational updates about mortgage rates, products, or services (with appropriate consent)
As a mortgage lending company, we are subject to the Gramm-Leach-Bliley Act (GLBA). In accordance with the GLBA Financial Privacy Rule, we provide the following disclosures:
a. Information Sharing with Third Parties
We may share your NPI with the following categories of third parties as necessary to process your loan or comply with legal requirements:
•Mortgage lenders, investors, and financial institutions involved in funding or purchasing your loan
•Title companies, appraisers, escrow companies, and real estate settlement service providers
•Regulatory agencies, law enforcement, and government entities as required by law
•Technology and software service providers used to operate our business (e.g., CRM platforms, document management systems)
We do not sell your NPI to unaffiliated third parties for their independent marketing purposes.
b. Your Right to Opt Out
You have the right to limit certain sharing of your NPI with nonaffiliated third parties. To opt out of non-essential third-party sharing, please contact us at:
Please note that opt-out rights do not apply to sharing that is required for the processing of your loan transaction or required by law.
c. Former Customers
We continue to protect the NPI of former customers in the same manner as described in this policy. We retain your information for as long as required by applicable law or regulation, generally a minimum of 7 years following the closing or termination of your loan.
4. Information Sharing — Additional Disclosures
Beyond the sharing described above under GLBA, we may also disclose your information in the following circumstances:
•Legal compliance: To comply with a subpoena, court order, legal process, or government request
•Business transfers: In connection with a merger, acquisition, sale of assets, or other business transaction
•Protection of rights: To protect the rights, property, or safety of Ideal Home Lending LLC, our clients, or others
•With your consent: For any other purpose with your prior written or electronic consent
We do not sell, rent, or trade your personal information, including mobile phone numbers, to any third party for marketing or promotional purposes.
5. Data Security and Safeguards
In compliance with the GLBA Safeguards Rule, we maintain a comprehensive written information security program that includes:
•Encryption of sensitive data in transit and at rest
•Access controls and multi-factor authentication for systems containing NPI
•Regular risk assessments and vulnerability testing
•Employee training on data privacy and security practices
•Oversight of third-party service providers to ensure they maintain appropriate safeguards
•An incident response plan to address potential data breaches
Data Breach Notification
In the event of a security breach involving your personal information, we will notify you as required by applicable federal and Texas state law. Notification will be provided promptly and will include a description of the incident, the type of information involved, and steps you can take to protect yourself.
6. SMS / TEXT MESSAGE COMMUNICATIONS & CONSENT
Ideal Home Lending LLC may communicate with customers and prospective customers using SMS/text messaging for mortgage-related services and communications. The following disclosures apply to all SMS communications.
6(a). Consent to Receive SMS Messages
By providing your mobile phone number and selecting the applicable consent checkbox on our website forms, loan applications, scheduling tools, contact forms, or opt-in pages, you consent to receive SMS/text messages from Ideal Home Lending LLC.
Messages may include:
• Mortgage inquiry updates • Loan application status notifications • Appointment reminders and confirmations • Customer service communications • Account and service notifications • Marketing and promotional communications (only where additional consent is provided)
Consent to receive SMS messages is not a condition of obtaining mortgage services or any other product or service.
6(b). Message Frequency
Message frequency varies depending on your interaction with Ideal Home Lending LLC, application status, appointment activity, and communication preferences.
6(c). Message and Data Rates
Message and data rates may apply based on your mobile carrier and service plan.
6(d). Opt-Out Instructions
You may opt out of SMS communications at any time by:
• Replying STOP to any text message • Replying END • Replying CANCEL • Replying UNSUBSCRIBE • Replying QUIT
After an opt-out request is processed, you may receive a one-time confirmation message and will no longer receive SMS communications unless you opt in again or communication is required to fulfill an existing service request.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.
Information sharing with subcontractors that support business operations (including customer service providers, CRM systems, messaging providers, and technical service vendors) is permitted solely for operational purposes and not for independent marketing.
SMS consent and phone numbers collected for SMS purposes are not shared with third parties or affiliates for marketing purposes.
6(g). Marketing Communications
Where promotional communications are offered, users must provide separate consent before receiving marketing SMS messages.
Ideal Home Lending LLC is not responsible for delayed or undelivered messages caused by carriers or mobile networks.
7. Cookies and Tracking Technologies
Our website uses cookies and similar tracking technologies to enhance your experience and analyze website performance. The types of cookies we may use include:
•Essential cookies: Required for the website to function properly (e.g., session management)
•Analytics cookies: Help us understand how visitors interact with our website (e.g., Google Analytics)
•Preference cookies: Remember your settings and preferences for future visits
We do not use cookies to serve third-party advertising or share cookie data with advertisers for behavioral targeting purposes.
You may disable cookies through your browser settings. Please note that disabling cookies may affect the functionality of certain parts of our website. Most browsers provide instructions for managing cookies in their help documentation.
8. Data Retention
We retain your personal and financial information for as long as necessary to fulfill the purposes described in this policy and to comply with applicable legal and regulatory requirements. Generally:
•Mortgage loan files and related NPI: Minimum of 7 years following loan closing, sale, or denial
•Loan applications that do not result in a closed loan: Minimum of 25 months per ECOA/Regulation B
•Marketing and communication records: Up to 5 years, or as required by the TCPA statute of limitations
•Website analytics data: Up to 2 years
When personal information is no longer needed, we will securely destroy or de-identify it in accordance with applicable law.
9. Your Privacy Rights
Depending on your state of residence, you may have certain rights regarding your personal information, including:
•The right to know what personal information we have collected about you
•The right to request correction of inaccurate personal information
•The right to opt out of certain data sharing as described in Section 3(b)
•The right to request deletion of your personal information, subject to legal retention requirements
To exercise any of these rights, please contact us using the information in Section 11. We will respond to verified requests within a reasonable time and in accordance with applicable law.
10. 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 minors. If you believe we have inadvertently collected information from a minor, please contact us immediately so we can delete it.
11A. WEBSITE DISCLOSURE
Ideal Home Lending LLC provides mortgage and lending consultation services for qualified borrowers.
By submitting forms through our website, users may choose to receive communications from Ideal Home Lending LLC including appointment reminders, application updates, service notifications, and promotional communications where consent has been provided.
Message frequency varies.
Message and data rates may apply.
Reply STOP to unsubscribe.
Reply HELP for assistance.
Consent to receive SMS communications is not required as a condition of obtaining services.
11B. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or business operations. When we make material changes, we will update the “Last Updated” date at the top of this policy and, where appropriate, notify you by email or by a prominent notice on our website. Your continued use of our website or services after any updates constitutes your acceptance of the revised policy.
12. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:
This Privacy Policy is intended to comply with the Gramm-Leach-Bliley Act (GLBA), the Telephone Consumer Protection Act (TCPA), and applicable Texas state law. This document does not constitute legal advice. Ideal Home Lending LLC recommends consulting with a licensed attorney for questions specific to your compliance obligations.