Privacy Policy

1. Information We Collect

AFC Mortgage Group LLC ("AFC," "we," "us," or "our") collects personal information from you when you apply for a mortgage, use our online portal, or communicate with our team. This information may include:

• Full legal name, date of birth, and Social Security number
• Contact information including phone number(s), email address(es), and mailing address
• Financial information including income, employment history, assets, and liabilities
• Credit history and credit report data
• Property information related to your mortgage application
• Device and browser information when using our online portal

2. How We Use Your Information

We use your personal information to:

• Evaluate and process your mortgage application
• Communicate with you about your loan status, required documents, and closing details
• Send loan status updates, appointment reminders, and closing notifications via SMS text message (with your consent)
• Comply with federal and state lending regulations
• Prevent fraud and verify your identity
• Improve our services and borrower experience

3. Information Sharing

Your information is protected under the Gramm-Leach-Bliley Act (GLBA). We do not sell your personal information. We may share your information with:

• Mortgage investors and lenders for the purpose of processing and funding your loan
• Credit reporting agencies to verify your credit history
• Third-party service providers who assist in processing your application (e.g., appraisers, title companies, insurance providers)
• Government agencies as required by law

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, excluding aggregators and providers of the text message services.

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

4. SMS/Text Messaging

If you opt in to receive SMS text messages from AFC Mortgage Group:

• We will send messages related to your mortgage application including loan status updates, document requests, appointment reminders, closing notifications, and post-closing follow-ups
• Message frequency varies based on your loan status and activity
• Message and data rates may apply depending on your mobile carrier plan
• You may opt out at any time by replying STOP to any message
• You may request help at any time by replying HELP to any message
• SMS consent is optional and is not a condition of obtaining a loan

Text messaging originator opt-in data and consent will not be shared with any third parties, excluding aggregators and providers of the text message services.

5. Data Security

We implement industry-standard security measures to protect your personal information, including encryption of data in transit and at rest, secure access controls, and regular security assessments. Our online portal uses bank-level SSL/TLS encryption.

6. Your Rights

You have the right to:

• Access the personal information we hold about you
• Request corrections to inaccurate information
• Opt out of marketing communications at any time
• Opt out of SMS text messages by replying STOP
• Revoke electronic consent by contacting your loan officer

7. Contact Us

If you have questions about this privacy policy or your personal information, contact us:

• AFC Mortgage Group LLC
• 471 Monroe Turnpike, Monroe, CT 06468
• Phone: (203) 452-9899
• Email: afc@afcmortgagegroup.net
• NMLS #2801