Privacy Policy

This Privacy Policy describes how FHA Home Loan Pros ("fhahomeloanpros.com," "we," "us," or "our"), operated by the Cook Brothers Mortgage Team at Cornerstone First Mortgage, LLC (NMLS #173855), collects, uses, and protects your personal information when you visit our website or use our services.

Information We Collect

Information You Provide

We may collect information you voluntarily provide, including:

• Contact information: name, email address, phone number, and mailing address when you fill out forms, request a consultation, or contact us directly.
• Financial information: household income, credit score range, employment status, and other details you provide through our qualifier quiz, FHA loan calculator, or loan application process. This information is used to assess your potential eligibility for FHA home loan programs.
• Property information: desired purchase price, county, and property type when using our tools or requesting loan information.
• Communications: any messages, questions, or feedback you send to us via email, phone, or website forms.

Information Collected Automatically

When you visit our website, we automatically collect certain information, including:

• Device and browser information: IP address, browser type, operating system, device type, and screen resolution.
• Usage data: pages visited, time spent on pages, referring URLs, click patterns, and interactions with our tools (such as the FHA loan calculator and qualifier quiz).
• Location data: approximate geographic location based on your IP address.

How We Use Your Information

We use the information we collect for the following purposes:

• To assess your potential eligibility for FHA home loan programs in Arizona and Texas.
• To respond to your inquiries and provide personalized mortgage and FHA loan guidance.
• To process loan applications and facilitate the mortgage process.
• To send you relevant communications about your inquiry, application status, or FHA loan program updates (with your consent).
• To improve our website, tools, and services based on usage patterns.
• To comply with legal and regulatory requirements applicable to mortgage lending.

Cookies and Tracking Technologies

We use the following cookies and tracking technologies:

• Essential cookies: required for the website to function properly, including session management and security.
• Analytics cookies: we use Google Analytics (GA4) to understand how visitors interact with our website. Google Analytics collects anonymized usage data including pages viewed, session duration, and traffic sources. You can opt out of Google Analytics by installing the Google Analytics Opt-Out Browser Add-on.
• Advertising cookies: we use Google Ads and the Meta (Facebook) Pixel to measure the results of our ads and show relevant ads. These tools may collect identifiers such as cookie IDs, your IP address, and the pages you visit on this site.
• Functional cookies: used to remember your preferences and enhance your experience on the site.

Your Advertising Choices

Analytics and advertising cookies from Google and Meta load when you visit this site, and we show a notice about them on your first visit. You can opt out of advertising cookies and the sale or sharing of your personal information for targeted advertising at any time using the "Do Not Sell or Share My Personal Information" link in the footer or the button below. If your browser sends a Global Privacy Control (GPC) signal, we treat it as an opt-out automatically. When you opt out, Google advertising cookies are turned off and we stop sending advertising conversion events; the Meta Pixel does not load on later visits, and if it has already loaded during your visit its tracking consent is revoked for the rest of that visit. Basic Google Analytics measurement continues. Your choice is saved in your browser, so you may need to repeat it on another browser or device or after clearing your browser data.

Third-Party Services

We use the following third-party services to operate our website and provide our services:

• Google Analytics (GA4): web analytics service provided by Google LLC. Google Analytics uses cookies to collect anonymized data about website usage. For more information, see Google's Privacy Policy.
• Google Ads and Meta (Facebook): advertising services provided by Google LLC and Meta Platforms, Inc., used to measure ad performance and show relevant ads, as described under Cookies and Tracking Technologies above.
• Big Purple Dot CRM: customer relationship management platform used to manage client communications and track loan inquiries. Information you provide through our forms may be stored in Big Purple Dot to facilitate follow-up communications and loan processing.
• Resend: email delivery service used to send transactional and informational emails. Your email address and name may be shared with Resend for the purpose of delivering email communications you have requested or consented to receive.
• Vercel: website hosting platform. Vercel may collect standard server logs including IP addresses and request data.

Data Sharing

We do not sell your personal information for money. Some state privacy laws treat the advertising cookies described above as a "sale" or "sharing" of personal information; you can opt out as described under Your Advertising Choices. We may also share your information in the following circumstances:

• With Cornerstone First Mortgage, LLC (NMLS #173855) for mortgage loan processing and FHA loan applications.
• With relevant agencies, investors, or program administrators as required to process an FHA loan application you choose to pursue.
• With the third-party service providers listed above, solely for the purposes described.
• When required by law, regulation, or legal process, including compliance with federal and state mortgage lending regulations.

Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, alteration, or disclosure. These measures include:

• SSL/TLS encryption for all data transmitted through our website.
• Secure storage of sensitive information with access controls.
• Regular review of our data collection, storage, and processing practices.

While we strive to protect your personal information, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security of your data.

Your Rights

Depending on your jurisdiction, you may have the right to:

• Access: request a copy of the personal information we hold about you.
• Correction: request that we correct inaccurate or incomplete personal information.
• Deletion: request that we delete your personal information, subject to legal and regulatory retention requirements.
• Opt-out: unsubscribe from marketing communications at any time by clicking the unsubscribe link in any email or by contacting us directly.
• Data portability: request your personal information in a structured, commonly used format.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations (including mortgage lending record-keeping requirements), resolve disputes, and enforce our agreements. Financial records related to mortgage applications may be retained for the periods required by federal and state regulations.

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.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or legal requirements. We will post the updated policy on this page with a revised "Last updated" date. We encourage you to review this page periodically for the latest information.

Contact Us

If you have questions about this Privacy Policy or wish to exercise your data rights, please contact us: