Privacy Policy

Effective Date: February 8, 2026

Able First Mortgage ("we," "us," or "our") is committed to protecting your privacy and the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information in compliance with the Gramm-Leach-Bliley Act (GLBA) and other applicable federal and state laws.

1. Information We Collect

To provide mortgage services and evaluate your pre-qualification, we may collect the following types of information:

Personal Information

• Full name
• Email address
• Phone number
• Home address
• Date of birth

Financial Information

• Employment status and employer information
• Annual income
• Monthly debts and obligations
• Estimated credit score range (self-reported)
• Information obtained through soft credit inquiries (with your consent)

Property Information

• Desired property location
• Estimated purchase price
• Property type (single-family, condo, etc.)
• Intended use (primary residence, investment, etc.)

2. How We Use Your Information

We use your personal and financial information to:

• Evaluate your mortgage pre-qualification
• Provide estimated loan amounts and program options
• Contact you regarding your mortgage inquiry
• Process your mortgage application (if you choose to proceed)
• Comply with legal and regulatory requirements
• Improve our services

3. Information Sharing and Disclosure

We do NOT sell your personal information. We may share your information only in the following circumstances:

With Your Consent

• With real estate agents or other professionals you designate
• With third-party service providers necessary to process your loan

As Required by Law

• To comply with federal, state, or local laws
• To respond to legal process (subpoenas, court orders)
• To protect our rights or the safety of others

Service Providers

We may share information with trusted service providers who assist us in operating our business, such as:

• Credit reporting agencies (for soft credit pulls with your consent)
• Loan processing systems
• Secure data hosting providers

These providers are contractually obligated to protect your information and use it only for the purposes we specify.

4. Data Security (Safeguards)

We implement industry-standard security measures to protect your personal information, including:

• SSL/TLS Encryption: All data transmitted through our website is encrypted
• Secure Storage: Personal information is stored in secure, access-controlled systems
• Limited Access: Only authorized personnel can access your information
• Data Minimization: We only collect information necessary for the stated purpose
• Retention Limits: We do not retain sensitive financial data longer than necessary

5. Soft Credit Inquiries

With your explicit consent, we may perform a "soft" credit inquiry to better estimate your pre-qualification. Soft inquiries:

• Do NOT affect your credit score
• Are only visible to you on your credit report
• Are used solely to provide you with more accurate loan estimates

We will never perform a "hard" credit inquiry without your knowledge and separate consent.

6. Your Rights and Choices

You have the right to:

• Opt-Out: Request that we stop contacting you for marketing purposes
• Access: Request a copy of the personal information we have about you
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your information (subject to legal retention requirements)
• Withdraw Consent: Withdraw consent for data processing at any time

To exercise any of these rights, contact us using the information below.

7. Cookies and Website Tracking

Our website may use cookies and similar technologies to:

• Remember your preferences
• Analyze website traffic and usage
• Improve user experience

You can control cookies through your browser settings. Disabling cookies may affect website functionality.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically.

11. Contact Us

12. Regulatory Information

Able First Mortgage is a licensed mortgage company. NMLS ID #1381252. Licensed in the State of Florida. Equal Housing Lender.

For questions or complaints regarding our mortgage services, you may also contact the Florida Office of Financial Regulation at (850) 487-9687.

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