Privacy Policy & Licensing Disclosure

Hinton Home Loans
Effective Date: ******

Hinton Home Loans (“Company,” “we,” “our,” or “us”) is committed to protecting your privacy and safeguarding your personal information in accordance with federal and state lending laws.

This Privacy Policy explains how we collect, use, protect, and share your information when you visit our website, apply for a loan, or communicate with us.

Information We Collect

We may collect personal and financial information necessary to evaluate and process mortgage applications, including:

  • Name, address, phone number, and email

  • Date of birth and Social Security number

  • Employment and income information

  • Asset and bank account information

  • Credit history and credit scores

  • Property information

  • Government-issued identification

  • IP address and website usage data

Information may be collected through website forms, loan applications, email, phone calls, text messages, and third-party verification sources.

How We Use Your Information

Your information is used to:

  • Process and evaluate mortgage applications

  • Verify identity and prevent fraud

  • Obtain credit reports

  • Communicate regarding loan status

  • Comply with underwriting and investor requirements

  • Meet federal and state regulatory obligations

  • Improve website functionality and customer experience

We may also use your contact information to provide updates about loan products or services. You may opt out of marketing communications at any time.

Information Sharing

We do not sell your personal information.

We may share your information only as necessary with:

  • Mortgage investors and underwriting partners

  • Credit reporting agencies

  • Title companies and real estate professionals involved in your transaction

  • Government agencies and regulators as required by law

  • Third-party service providers assisting in business operations (secure vendors)

All third parties are required to maintain the confidentiality and security of your information.

Data Security

We maintain administrative, technical, and physical safeguards designed to protect your personal information, including:

  • Secure encrypted data transmission (SSL)

  • Access controls and secure mortgage software platforms

  • Ongoing monitoring and compliance oversight

While we use reasonable security measures, no system can guarantee absolute protection.

Text Messaging & Communications Consent

By submitting your contact information, you consent to receive calls, emails, and text messages regarding your loan inquiry.

  • Message and data rates may apply.

  • Consent is not a condition of loan approval.

  • You may opt out of text messages at any time by replying STOP.

We comply with the Telephone Consumer Protection Act (TCPA) and applicable communication regulations.

Cookies & Website Tracking

Our website may use cookies and analytics tools to improve user experience and monitor site performance. You may disable cookies in your browser settings.

Your Privacy Rights

Subject to applicable laws, you may have the right to:

  • Request access to your personal information

  • Request corrections to inaccurate information

  • Request deletion (subject to legal retention requirements)

  • Opt out of certain communications

To submit a privacy request, please contact us using the information below.

Federal Regulatory Compliance

Hinton Home Loans complies with applicable federal and state lending laws, including but not limited to:

  • Gramm-Leach-Bliley Act (GLBA)

  • Fair Credit Reporting Act (FCRA)

  • Equal Credit Opportunity Act (ECOA)

  • Real Estate Settlement Procedures Act (RESPA)

  • Truth in Lending Act (TILA)

  • Michigan state lending regulations

NMLS & Licensing Disclosure

Hinton Home Loans is a licensed mortgage entity.

NMLS ID: [Insert Company NMLS Number]

Individual Loan Originator NMLS IDs are available upon request.

Consumers may access the Nationwide Multistate Licensing System & Registry (NMLS) Consumer Access website at:
https://www.nmlsconsumeraccess.org

Equal Housing Lender.
We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites.

Changes to This Policy

We reserve the right to update this Privacy Policy at any time. Changes will be posted on this page with an updated effective date.

Contact Information

Hinton Home Loans

36 N. Washington
Ypsilanti, MI 48197

734-210-1767
homeloans@teamhinton.com

Equal Housing Lender
CO NMLS #2585010