PRIVACY POLICY

Click & Learn

First-Time Homebuyer
Interest Rates
Hard To Qualify For
Buying A Modest Home
Super High Loan Minimum

First-Time Homebuyer

Risk Factor

You cannot get a jumbo loan as a first-time homebuyer.

Solution

But this is not the case. Even if you are buying your first home, you can apply for a jumbo loan. And you may be successful depending on your credentials.

Interest Rates

Risk Factor

You will pay a higher interest rate on a jumbo loan.

Solution

DSCR loan interest rates are comparable to conforming loans.

Hard To Qualify For

Risk Factor

Jumbo loans are hard to qualify for.

Solution

Jumbo loans are a bit more difficult to qualify for but not by very much as a credit score of 720 is fairly easy to achieve.

Buying A Modest Home

Risk Factor

You do not need a jumbo loan if you are not buying a mansion.

Solution

It is not uncommon for regular homes to require more financing to buy than you can obtain through the use of a conforming mortgage.

Super High Loan Minimum

Risk Factor

Jumbo loans require a super high loan minimum.

Solution

Jumbo loans don’t start at $1 million dollars. Instead, the minimum amount for a jumbo loan is anything above the conforming loan limit of $647,200.
We are committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you engage with us for mortgage lending services or visit our website.

Information We Collect

We collect a variety of personal information to help provide mortgage-related services, including but not limited to:

  • When you apply for a mortgage, seek pre-qualification, or contact us, we may collect your name, contact details (email, phone number, address), Social Security number, income details, employment information, credit score, tax records, and other financial data necessary for processing mortgage applications.

  • When you visit our website, we may automatically collect information about your device, IP address, browser type, and usage patterns, including pages visited, time spent on the site, and referral URLs.

  • Any communication with us—whether via phone, email, or online messaging—may be recorded and stored for quality assurance, legal, or customer service purposes.

  • We may use cookies, web beacons, and similar tracking technologies to improve your browsing experience, track user activity, and provide customized services.

How We Use Your Information

We use your personal information for the following purposes:

  • To assess your eligibility, process loan applications, underwrite loans, and issue mortgage approvals or denials.
  • To respond to your inquiries, provide loan status updates, and send important mortgage-related notifications.
  • To comply with legal obligations, such as verifying your identity, preventing fraud, and meeting federal and state mortgage lending regulations.
  • To provide you with relevant offers, updates, and services that may benefit you (with the option to opt-out).
  • To analyze how users interact with our website, enhance its functionality, and optimize user experience.

Sharing and Disclosure of Information

Your privacy is important to us, and we do not sell your personal information to third parties. However, we may share your data in the following ways:

  • We may share your information with trusted third-party service providers who assist us in processing loans, such as credit bureaus, appraisers, and title companies. These providers are bound by confidentiality agreements and may only use your information for authorized purposes.

  • We may disclose your information if required by law, such as in response to court orders, subpoenas, or regulatory requests from government agencies.

  • If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction. In such cases, we will notify you before your personal data is transferred and becomes subject to a different privacy policy.

Data Security

We prioritize the security of your personal data and have implemented administrative, technical, and physical safeguards to protect your information from unauthorized access, disclosure, or misuse. These measures include encryption, firewalls, and secure access controls.

However, please be aware that no method of transmitting or storing data is 100% secure. While we strive to protect your personal data, we cannot guarantee its absolute security.

Cookies and Tracking Technologies

We use cookies and similar technologies to personalize your browsing experience, track website traffic, and understand user behavior. Cookies allow us to remember your preferences, offer tailored content, and improve our website's functionality.

You can manage your cookie preferences through your browser settings. Disabling cookies may limit your ability to use certain features of our website.

Your Privacy Rights

Depending on your location and applicable privacy laws, you may have the following rights regarding your personal data:

  • Request a copy of the personal data we hold about you.
  • Request that we correct inaccurate or incomplete personal data.
  • Under certain circumstances, you may request that we delete your personal information.
  • Request limitations on how we process your personal data under specific conditions.
  • Receive your personal data in a machine-readable, commonly used format.
  • You may object to the processing of your personal data for specific purposes, such as marketing communications.

To exercise any of these rights, please contact us using the information provided in the "Contact Us" section below.

Third-Party Links

Our website may contain links to third-party websites that are not operated or controlled by us. We are not responsible for the privacy practices or content of those sites. We recommend reviewing the privacy policies of third-party websites before sharing any personal information.

Children’s Privacy

Our services are not directed toward children under the age of 13, and we do not knowingly collect personal information from children. If we become aware that we have inadvertently collected data from a child, we will take steps to delete the information promptly. If you believe that we have collected information from a minor, please contact us immediately.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or legal obligations. Any updates will be posted on this page, and we encourage you to review it periodically to stay informed about how we protect your information.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us.

The Mortgage Link

We offer a personalized and distinctive approach to mortgages, combining human-driven insights with technical expertise to create a perfect hybrid. Our lending solutions are designed to expedite loan processing, delivering faster results while substantially reducing costs.

(214) 769-5626

chet@themortgagelink.com

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For Texas Consumers Only: Consumers wishing to file a complaint against a company regarding the origination and/or servicing of your mortgage loan or a complaint against a residential mortgage loan originator concerning residential mortgage loans on real estate located in Texas should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 north Lamar, suite 201, Austin, Texas 78705. complaint forms and instructions may be obtained from the departments website at www.sml.texas.gov. a toll-free consumer hotline is available at 1-877-276-5550.
The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. a written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. for more information about the recovery fund, please consult the departments website at www.sml.texas.gov.

Standard LSM disclosure: This is not a commitment or offer of credit. All applications must be submitted in writing and are subject to credit approval. Not all borrowers who apply will be approved.

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