Privacy Policy

DFW Homes & Loans (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our mortgage services, or communicate with us via phone, email, or text message.

1. Information We Collect

We may collect personal information that you voluntarily provide to us when you fill out a contact form, request a consultation, apply for mortgage pre-qualification or pre-approval, subscribe to communications, or contact us via phone, email, or other means. The types of information we collect include:

• Name, phone number, and email address
• Mailing address and residential history
• Loan-related information, including income, employment, assets, and debts
• Credit information (accessed only with your written authorization)
• Property details relevant to your mortgage application
• Device and browser information collected automatically (IP address, browser type, operating system)
• Website usage data collected through cookies and analytics tools

2. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and consultation requests
• Provide mortgage services, including processing and evaluating loan applications
• Send loan updates, appointment reminders, and other requested communications
• Send SMS/text messages if you have provided express written consent
• Comply with legal and regulatory requirements
• Improve our website and services
• Detect and prevent fraud or unauthorized activity

3. Information Sharing and Disclosure

We may share your information with third parties only in the following circumstances:

• With lenders and financial institutions to process your mortgage application
• With service providers who assist in our business operations (e.g., CRM platforms, email and SMS service providers)
• When required by law, regulation, or legal process
• To protect our rights, privacy, safety, or property
• With your consent or at your direction

We do not sell, rent, or trade your personal information to third parties for their own marketing purposes.

4. SMS/Text Messaging & TCPA Consent

By checking the SMS consent box on any form on this website, you provide your express written consent under the Telephone Consumer Protection Act (TCPA) to receive automated and/or pre-recorded text messages from DFW Homes & Loans at the mobile number you provided. These messages may include:

• Appointment confirmations and reminders
• Loan application status updates
• Document requests and follow-ups
• General service-related communications

Opt-In Is Voluntary

Providing your consent to receive SMS messages is not a condition of purchasing any product or service from DFW Homes & Loans. You may submit a contact form or request a consultation without opting in to text messages.

Message Frequency & Rates

• Message frequency may vary depending on your interaction with us and the status of your mortgage inquiry or application
• Message and data rates may apply. Please check with your mobile carrier for details on your messaging plan
• Carriers are not liable for delayed or undelivered messages

How to Opt Out

You may opt out of receiving text messages at any time by replying STOP to any message you receive from us. After opting out, you will receive a one-time confirmation message and will no longer receive text messages from DFW Homes & Loans unless you opt in again.

How to Get Help

For assistance, reply HELP to any text message you receive from us, or contact us directly at (945) 370-8656 or tony@dfwhome.loans.

Opt-In Data & Mobile Information Sharing

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. Your phone number and opt-in status are used solely to deliver the messages you have consented to receive.

5. Mortgage Application Data

The mortgage process requires the collection of sensitive financial information. When you submit a loan application or pre-approval request, we may collect additional details including Social Security numbers, bank account information, tax returns, employment verification documents, and property details. This information is collected solely for the purpose of evaluating your mortgage application and is handled in accordance with federal and state regulations, including the Gramm-Leach-Bliley Act (GLBA) and the Fair Credit Reporting Act (FCRA).

Credit reports obtained during the pre-approval or application process are accessed only with your written authorization and are used exclusively for mortgage underwriting purposes. We do not share credit report data with any parties outside of those directly involved in processing your loan application.

6. Data Protection

We maintain reasonable administrative, technical, and physical safeguards to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encrypted transmission of sensitive data, secure storage systems, and access controls that limit who can view your information within our organization.

However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security. We encourage you to take precautions when submitting sensitive information online, such as using secure networks and keeping your login credentials confidential.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal and regulatory requirements, and resolve disputes. Mortgage-related records may be retained for a minimum period as required by federal and state lending regulations. Once your information is no longer needed, we will securely dispose of it in accordance with our data retention policies.

8. Your Rights

You have the right to request access to, correction of, or deletion of your personal information at any time. To exercise these rights, please contact us using the information provided at the bottom of this page. We will respond to your request within the timeframe required by applicable law.

9. California Privacy Rights (CCPA/CPRA)

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). These rights include:

• Right to Know — You may request that we disclose the categories and specific pieces of personal information we have collected about you, the categories of sources from which we collected it, and the business purposes for which it was collected.
• Right to Delete — You may request that we delete the personal information we have collected about you, subject to certain exceptions permitted by law.
• Right to Opt Out of Sale — We do not sell your personal information. If this practice changes in the future, we will update this policy and provide you with a mechanism to opt out.
• Right to Non-Discrimination — We will not discriminate against you for exercising any of your CCPA/CPRA rights.

To submit a request, please contact us using the information at the bottom of this page. We may ask you to verify your identity before processing your request.

10. Texas Privacy Rights

Texas residents may have rights under the Texas Data Privacy and Security Act (TDPSA), which became effective July 1, 2024. If applicable, these rights include the right to access, correct, delete, and obtain a copy of your personal data, as well as the right to opt out of the processing of personal data for targeted advertising, the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects. To exercise these rights, please contact us using the information below.

11. Do Not Sell or Share My Personal Information

DFW Homes & Loans does not sell or share your personal information with third parties for their own marketing or advertising purposes. We do not participate in data broker services or sell consumer data in any form.

12. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance your browsing experience and analyze website traffic. Cookies are small data files stored on your device when you visit a website. We may use the following types of cookies:

• Essential cookies that are necessary for the website to function properly, such as maintaining your session and remembering form inputs.
• Analytics cookies that help us understand how visitors interact with our website, including which pages are visited most frequently and how users navigate between pages. This data is collected in aggregate and does not personally identify you.
• Functional cookies that remember your preferences and settings to provide a more personalized experience on return visits.

We do not use cookies to track you across other websites or to serve targeted advertising. You can control cookie preferences through your browser settings, including blocking or deleting cookies. Please note that disabling certain cookies may affect the functionality of our website.

13. Third-Party Services

Our website may contain links to third-party websites, and we may use third-party service providers (such as CRM, email marketing, and SMS delivery platforms) to help operate our business. These third parties have their own privacy policies, and we encourage you to review them. We are not responsible for the privacy practices of third-party websites or services.

14. 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 children. If we become aware that we have collected personal information from a child under 18, we will take steps to delete that information promptly.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated “Last Updated” date. We encourage you to review this policy periodically. Your continued use of our website or services after any changes constitutes your acceptance of the revised Privacy Policy.

16. Contact Us

If you have questions about this Privacy Policy, our privacy practices, or wish to exercise any of your rights described above, please contact us: