Security & Privacy Policy

Effective Date: March 12, 2025

At Home Loans With Lance, we value and respect your privacy and are committed to safeguarding your personal information. This Privacy and Security Policy outlines how we collect, use, store, and protect your data when you visit our website or engage with our services. By using our website and services, you agree to the practices described in this policy.

1. Information We Collect
We may collect the following types of information from users who visit our website or use our services:
  • Personal Information: This may include your name, email address, phone number, home address, financial details, employment information, or other information relevant to processing your mortgage application.
  • Technical Information: We may collect information about your device, browser type, operating system, IP address, browsing behavior, and other details that help us improve the functionality of our website and enhance user experience.
  • Cookies & Tracking Technologies: We use cookies and similar tracking technologies to collect information about how users interact with our website. These help us improve the website’s performance and personalize the user experience.
2. How We Use Your Information
The information we collect may be used for the following purposes:
  • To process mortgage applications and provide the services you request.
  • To communicate with you about the status of your mortgage, loan products, and other services.
  • To improve the functionality of our website and ensure that it meets your needs.
  • To send promotional materials, offers, or updates related to our services (if you have opted in to receive such communications).
  • To comply with legal and regulatory requirements, including fraud prevention and anti-money laundering efforts.
3. How We Protect Your Information
At Home Loans With Lance, we take the protection of your personal information seriously. We employ a variety of physical, electronic, and procedural safeguards to ensure that your information is secure from unauthorized access, disclosure, alteration, or destruction. These include:
  • Encryption: Sensitive information, such as financial details, is transmitted using secure encryption protocols to ensure confidentiality.
  • Access Control: Only authorized personnel have access to your personal information, and they are required to follow strict security protocols.
  • Secure Storage: Your information is stored in secure databases protected by industry-standard security measures.
4. Data Sharing and Disclosure
We do not sell, rent, or trade your personal information to third parties. However, we may share your information in the following circumstances:
  • With Service Providers: We may share your information with third-party vendors or service providers who help us process your mortgage application, provide technical support, or perform other services on our behalf.
  • Legal Compliance: We may disclose your information when required by law, regulation, or legal process, such as in response to a subpoena or to comply with government investigations.
  • Business Transfers: In the event of a merger, acquisition, or sale of assets, your personal information may be transferred to the acquiring party, but we will notify you before this occurs.
5. Your Rights and Choices
You have the following rights regarding your personal information:
  • Access & Update: You can request access to the personal information we hold about you and request updates or corrections.
  • Opt-Out: You can opt out of receiving promotional communications from us by following the unsubscribe instructions in any marketing email or by contacting us directly.
  • Data Retention: We will retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy, or as required by law.
6. Cookies and Tracking Technologies

We use cookies and similar technologies to collect data on your browsing behavior to improve our website and your experience. These cookies help us remember your preferences, track website usage, and ensure security. You can control the use of cookies through your browser settings, but please note that disabling cookies may affect certain features of our website.

7. Third-Party Links

Our website may contain links to third-party websites or services. Please be aware that we are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites before providing any personal information.

8. Children’s Privacy
Our website and services are not intended for children under the age of 13. We do not knowingly collect personal information from children under 13.

Home Loans With Lance

At Home Loans With Lance, we’re passionate about helping you achieve your homeownership dreams. Whether you’re a first-time buyer in Austin, a seasoned investor in Atlanta, or anywhere in between, we’re dedicated to finding the perfect mortgage solution for your unique needs.

Our Security and Privacy Policy

 

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Envision Home Lending LLC, is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580. Envision Home Lending LLC is a licensed mortgage broker in the following states TX, LA and GA. The following states require disclosure of licensing information. (If your state is not listed, it does not require a specific license disclosure): CALIFORNIA – Licensed by the Department of Business Oversight under California Finance Lenders Law COLORADO – Envision Home Lending LLC, 6065 Sports Village. Frisco, Texas Suite 600, (972) 998-3360; to check the license status of your mortgage broker, visit http://www.dora.state.co.us/real-estate/index.htm TEXAS – CCONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR 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 DEPARTMENT’S 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 RESIDENTIALMORTGAGE 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 DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV