PRIVACY POLICY

Mortgage Professional Associates Inc.
dba MPA Home Loans

Last Updated: August 27, 2026

Mortgage Professional Associates Inc., doing business as MPA Home Loans (“MPA Home Loans,” “MPA,” “Company,” “we,” “us,” or “our”), respects your privacy and is committed to protecting the personal information you provide to us.

This Privacy Policy explains how we collect, use, disclose, and protect information when you visit www.mpahomeloans.com, communicate with us, submit an inquiry or application, use our services, or otherwise interact with MPA Home Loans.

By using our website or services, you acknowledge the practices described in this Privacy Policy.

1. INFORMATION WE COLLECT

We may collect personal information that you voluntarily provide to us as well as certain information automatically when you use our website or services.

Information You Provide to Us

Depending upon your interaction with MPA Home Loans, information we collect may include:

First and last name
Email address
Telephone or mobile phone number
Mailing address
Property address
Date of birth
Employment and income information
Financial and asset information
Credit-related information
Information related to a mortgage inquiry, application, or transaction
Communications you send to or receive from us
Preferences regarding communications
Other information you choose to provide

When necessary to provide mortgage services or comply with applicable law, we may also collect additional information required to evaluate, process, underwrite, close, or service a mortgage transaction.

Information Collected Automatically

When you visit our website, certain information may be collected automatically, including:

Internet Protocol (IP) address
Browser type and version
Device type
Operating system
Pages visited
Referring website or source
Date and time of visits
Time spent on pages
General website usage and interaction information
Cookie and similar technology information

This information may be used to operate, secure, analyze, and improve our website and services.

2. HOW WE USE YOUR INFORMATION

We may use personal information for purposes including:

Responding to inquiries and requests
Providing information about mortgage products and services
Processing mortgage applications and transactions
Evaluating eligibility for mortgage financing
Communicating regarding an inquiry, application, loan, or transaction
Providing customer service and support
Scheduling appointments and follow-ups
Sending transaction, account, status, and service-related communications
Sending marketing or promotional communications when permitted by law and consistent with your communication preferences
Maintaining and improving our website and services
Operating our business
Preventing fraud, misuse, and security incidents
Maintaining records
Meeting regulatory, legal, licensing, reporting, and compliance obligations
Enforcing agreements and protecting our legal rights
Performing other activities with your consent or as otherwise permitted by law

We may communicate with you by telephone, email, text message, mail, or other appropriate communication methods, subject to applicable law and your communication preferences.

3. SMS AND TEXT MESSAGE PRIVACY

MPA Home Loans may offer text messaging as a way for consumers, borrowers, prospective borrowers, customers, referral partners, and other individuals to communicate with us.

When you provide your mobile telephone number and consent to receive text messages from MPA Home Loans, we may use your number to send communications related to your inquiry, mortgage services, loan application or transaction, appointment reminders, document or status updates, customer care, follow-up communications, and, where you have provided the appropriate consent, marketing or promotional communications.

SMS Consent

Consent to receive text messages is obtained separately from other agreements where required. Providing your mobile telephone number alone does not necessarily constitute consent to receive marketing text messages.

Consent to receive marketing text messages is not a condition of obtaining a loan, purchasing goods or services, or otherwise doing business with MPA Home Loans.

Message Frequency

Message frequency varies depending on your interactions with MPA Home Loans, the services you request, and the status of your inquiry or transaction.

Message and Data Rates

Message and data rates may apply. Your wireless carrier’s standard messaging and data rates may apply to messages sent to or received from MPA Home Loans.

Opting Out

You may opt out of SMS communications at any time by replying STOP to a text message from us.

After you submit a STOP request, you may receive a confirmation message indicating that you have been unsubscribed. After that confirmation, you will no longer receive messages covered by that opt-out request unless you subsequently provide consent again or initiate a new communication where messaging is permitted by law.

Getting Help

For assistance with text messaging, reply HELP to a message from us or contact us at:

Email: contact@mpahomeloans.com

Mobile Information and SMS Consent Will Not Be Shared for Marketing

MPA Home Loans does not sell, rent, or share mobile telephone numbers, SMS opt-in information, or SMS consent information with third parties or affiliates for their own marketing or promotional purposes.

Mobile information and text messaging originator opt-in data and consent will not be shared with third parties or affiliates for marketing or promotional purposes.

We may disclose information to service providers and subcontractors that perform services on our behalf, including providers that facilitate communications, customer support, information technology, security, or text-message delivery. Such providers may use information only as necessary to provide services to MPA Home Loans and subject to applicable contractual and legal restrictions.

The foregoing SMS/mobile-data provisions apply notwithstanding anything else in this Privacy Policy concerning the disclosure or sharing of personal information.

4. COOKIES AND SIMILAR TECHNOLOGIES

We may use cookies, pixels, web beacons, and similar technologies to operate our website, remember preferences, understand website usage, improve functionality, and measure the effectiveness of our communications and marketing.

Cookies may include:

Essential Cookies

These cookies help provide functionality necessary for our website and services to operate properly.

Functional Cookies

These cookies may remember choices or preferences to improve your experience.

Analytics and Performance Cookies

These cookies help us understand how visitors use our website so that we can evaluate and improve its performance.

Advertising and Marketing Technologies

Where applicable and permitted by law, we may use technologies that help us understand the effectiveness of advertising and marketing campaigns.

You may be able to control cookies through your browser settings. Disabling certain cookies may affect the functionality of portions of our website.

5. HOW WE DISCLOSE PERSONAL INFORMATION

We do not disclose personal information except as reasonably necessary to operate our business, provide requested products and services, comply with applicable law, or as otherwise described in this Privacy Policy.

We may disclose personal information to:

Service Providers

We may provide information to companies that perform services on our behalf, including technology providers, communication providers, hosting providers, analytics providers, payment providers, professional advisers, and other vendors that assist us in operating our business.

Mortgage Transaction Participants

When necessary to provide mortgage services requested by you, information may be provided to parties involved in evaluating, processing, underwriting, closing, funding, or otherwise completing a mortgage transaction, as permitted or required by law.

Affiliates

We may disclose information to companies under common ownership or control where permitted by law and reasonably necessary to provide services, administer our business, or fulfill your requests.

Mobile telephone numbers, SMS opt-in information, and SMS consent are not shared with affiliates for their own marketing or promotional purposes.

Business Transactions

Information may be transferred as part of an actual or proposed merger, acquisition, financing, reorganization, sale of assets, or similar business transaction, subject to applicable legal requirements.

Legal and Regulatory Requirements

We may disclose information when reasonably necessary to:

Comply with applicable law or regulation
Respond to a subpoena, court order, governmental inquiry, or other lawful request
Fulfill regulatory, licensing, examination, or reporting requirements
Detect or prevent fraud or illegal activity
Protect the rights, property, security, or safety of MPA Home Loans, our customers, or others
Establish, exercise, or defend legal claims

With Your Direction or Consent

We may disclose information when you direct us to do so or otherwise provide appropriate consent.

6. WE DO NOT SELL MOBILE OPT-IN DATA

Regardless of any other provision of this Privacy Policy:

MPA Home Loans does not sell or rent mobile telephone numbers, SMS opt-in information, or SMS consent information.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

Text messaging originator opt-in data and consent will not be shared with any third parties or affiliates for their own marketing or promotional purposes.

This restriction does not prohibit MPA Home Loans from using service providers acting on our behalf to facilitate communications or provide operational support.

7. SECURITY OF PERSONAL INFORMATION

We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, misuse, or destruction.

However, no electronic transmission, information system, or method of data storage can be guaranteed to be completely secure. Accordingly, we cannot guarantee the absolute security of information transmitted to or maintained by us.

8. RETENTION OF PERSONAL INFORMATION

We retain personal information for as long as reasonably necessary to:

Provide requested products and services
Complete transactions
Maintain appropriate business and transaction records
Comply with mortgage-industry record-retention requirements
Satisfy regulatory, licensing, tax, accounting, and legal obligations
Resolve disputes
Detect and prevent fraud
Enforce agreements
Protect our legal rights

Retention periods may vary depending upon the type of information and applicable legal or regulatory requirements.

9. EMAIL COMMUNICATIONS

If you receive marketing or promotional email communications from MPA Home Loans, you may unsubscribe using the instructions or unsubscribe mechanism contained in the communication.

Even if you opt out of marketing communications, we may continue sending non-marketing communications reasonably necessary to respond to your requests, provide requested services, communicate about a mortgage transaction, comply with law, or administer our relationship with you.

10. THIRD-PARTY WEBSITES AND SERVICES

Our website may contain links to websites, applications, or services operated by third parties.

MPA Home Loans does not control the privacy practices of third parties, and this Privacy Policy does not apply to information collected directly by those third parties.

We encourage you to review the privacy policies of any third-party websites or services you use.

11. CHILDREN’S PRIVACY

Our website and mortgage services are not directed toward children under the age of 13, and we do not knowingly collect personal information directly from children under 13 through our website.

If we learn that we have collected personal information from a child under 13 in circumstances where collection was not permitted, we will take reasonable steps to delete the information as appropriate.

12. CALIFORNIA PRIVACY RIGHTS

California residents may have certain rights regarding personal information under applicable California privacy laws.

Depending upon the law applicable to MPA Home Loans and the information involved, these rights may include the right to:

Request information regarding certain personal information we collect
Request access to certain personal information
Request correction of inaccurate personal information
Request deletion of certain personal information, subject to applicable exceptions
Receive information regarding how personal information is used or disclosed
Exercise other rights provided by applicable California law

Certain information maintained by financial institutions or collected in connection with financial products and services may be subject to federal or state financial privacy laws and may be exempt from some provisions of general state privacy laws.

We will process applicable privacy requests in accordance with the laws governing the particular information and relationship.

To submit a privacy request, contact us using the information provided in the Contact Us section below.

We may need to verify your identity before processing certain requests.

We will not unlawfully discriminate against you for exercising applicable privacy rights.

13. OTHER STATE PRIVACY RIGHTS

Residents of certain U.S. states may have additional privacy rights under applicable state law.

Depending upon your state of residence and whether the applicable law applies to MPA Home Loans or the information involved, you may have rights to access, correct, delete, obtain a copy of, or otherwise exercise control over certain personal information.

Some information collected or maintained by financial institutions or in connection with financial products and services may be governed by separate federal or state financial privacy laws.

You may contact us using the information below to submit an applicable privacy request.

14. DO NOT TRACK AND PRIVACY CONTROLS

Some browsers provide “Do Not Track” or similar privacy signals.

Because there is not currently a universally accepted standard governing all such signals, our website may not respond to every browser-based Do Not Track signal.

Where required by applicable law, we will honor legally recognized privacy preference signals in accordance with applicable requirements.

15. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy periodically to reflect changes in our practices, services, technology, regulatory requirements, or applicable law.

When we update this Privacy Policy, we will revise the Last Updated date at the top of this page.

Material changes may also be communicated through additional notices when appropriate or required by law.

We encourage you to review this Privacy Policy periodically.

16. CONTACT US

If you have questions about this Privacy Policy, our privacy practices, or your personal information, please contact:

Mortgage Professional Associates Inc.
dba MPA Home Loans

Email: contact@mpahomeloans.com
Website: www.mpahomeloans.com

SMS/TEXT MESSAGING CONTACT

For assistance regarding MPA Home Loans text messaging:

Email: contact@mpahomeloans.com
Text: Reply HELP to a message from MPA Home Loans for assistance.
Opt Out: Reply STOP to unsubscribe from text messages.

Message frequency varies. Message and data rates may apply.