Preferred Mortgage Advisors, Inc.
Effective Date: May 2026  |  Last Updated: May 2026

At Preferred Mortgage Advisors, Inc., we strongly believe in protecting the confidentiality and security of the information we collect about you as a customer, potential customer, or former customer. This Privacy Policy explains how we collect, use, share, and protect your personal information, and describes the rights available to you regarding your data.

By using this website, you agree to the terms of this Privacy Policy. If you do not agree, please do not use this site.

1. Information We Collect

We collect personal information to help us serve your financial needs, provide quality products and services, and fulfill legal and regulatory requirements. We consider all information about you in our possession to be personal information, even if you cease to be a customer.

Information You Provide Directly

  • Identifying information: name, age, address, phone number, email address, and Social Security number
  • Employment information
  • Financial information: income, assets, liabilities, savings, investments, insurance, and business information
  • Information submitted through forms, applications, consultations, or communications with our team

Information From Third-Party Sources

We may collect information from third parties to process and/or underwrite your loan. These sources may include employers, attorneys, banks, title insurers, insurance companies, and credit reporting agencies.

Information Collected Automatically

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

  • IP address and browser user agent string
  • Pages visited and time spent on the site
  • Cookie identifiers (see Cookies section below)
  • Comment data if you leave a comment on the site

2. How We Use Your Information

We use your personal information to:

  • Process mortgage applications and provide loan products and services
  • Respond to your inquiries, schedule consultations, and communicate with you
  • Send appointment reminders and follow-up communications (including via SMS/text message, if you have opted in)
  • Fulfill legal and regulatory requirements
  • Improve our website and tailor it to your needs
  • Detect and prevent fraud or unauthorized activity

3. SMS and Text Message Communications

If you provide your mobile phone number and consent to receive text messages, we may send you appointment reminders, follow-up communications, and other mortgage-related information via SMS.

Your SMS Rights

  • Consent is not a condition of any purchase or service
  • Message and data rates may apply
  • You may opt out at any time by replying STOP to any text message
  • Reply HELP for assistance
  • We do not share SMS opt-in data or consent with any third parties for their marketing purposes

For full details regarding our SMS program, please review our separate SMS Terms and Conditions.

4. Sharing Your Information

We share personal information about you, as required or permitted by law, with third parties who assist us in the day-to-day operations of our company, including the administration, processing, servicing, and sale of your loan.

These third parties may include:

  • Title companies, appraisers, and insurance companies
  • Underwriting and processing services
  • Software providers and marketing services
  • Purchasers of loans

Our policy is to require third-party service providers to enter into confidentiality agreements with us, prohibiting them from using your personal information for any purpose other than those for which they were retained, or as required by law.

We may also disclose information about you when necessary or required in legal and arbitration proceedings, or to government agencies.

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

5. California Privacy Rights (CCPA/CPRA)

As a California resident, you have specific rights regarding your personal information under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), effective January 1, 2026.

Important: Much of the personal information we collect in connection with mortgage applications is exempt from the CCPA under the Gramm-Leach-Bliley Act (GLBA). However, we provide this notice to recognize your rights where applicable.

Your California Rights Include:

  • Right to Know: Request disclosure of the categories and specific pieces of personal information we have collected about you over the past 12 months
  • Right to Delete: Request deletion of your personal information, subject to certain exceptions
  • Right to Correct: Request correction of inaccurate personal information we maintain about you
  • Right to Opt Out: Opt out of the sale or sharing of your personal information
  • Right to Limit Use: Limit our use and disclosure of sensitive personal information
  • Right to Non-Discrimination: We will not discriminate against you for exercising any of these rights

How to Submit a Request

To exercise any of your California privacy rights, please contact us at:

  • Phone: (925) 917-1135
  • Submit your request via our Contact page
  • Mail: 1990 N California Blvd, Fl 8, Walnut Creek, CA 94596

We will respond to verifiable consumer requests within 45 days. We may extend this period by an additional 45 days when reasonably necessary.

6. Homebuyers Privacy Protection Act (Effective March 4, 2026)

The Homebuyers Privacy Protection Act, signed into law on September 5, 2025 and effective March 4, 2026, restricts credit reporting agencies from sharing your mortgage credit inquiry data as a “trigger lead” with other lenders without your explicit consent, unless they have an existing relationship with you.

This means that when you apply for a mortgage with us, your credit inquiry is significantly less likely to be sold to other lenders who may then solicit you with competing offers. We support this law and are committed to protecting your privacy throughout the mortgage process.

For additional protection, you may opt out of prescreened credit offers at OptOutPrescreen.com.

7. Cookies and Website Tracking

We use cookies — small files placed on your device — to help us tailor our site to your needs and deliver a better, more personalized service. Cookies allow us to track which pages visitors view and how often, helping us improve our site.

Types of Cookies We Use

  • Essential cookies: Required for basic site functionality
  • Analytics cookies: Help us understand how visitors use our site
  • Comment cookies: If you leave a comment, cookies may save your name, email, and website for one year for your convenience
  • Session cookies: Temporary cookies that expire when you close your browser

You may refuse cookies by adjusting your browser settings. Doing so will not prevent you from using our website, though some features may not function properly. You do not need cookies enabled to use our site.

8. Embedded Content From Other Websites

Pages on this site may include embedded content such as videos, images, or articles from other websites. Embedded content from other websites behaves as if you had visited those websites directly. These third-party sites may collect data about you, use cookies, embed additional tracking, and monitor your interaction with that content. We are not responsible for the privacy practices of third-party sites.

9. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with our legal obligations, resolve disputes, and enforce our agreements.

  • Loan application and mortgage records: Retained as required by federal and state law (typically 3-7 years)
  • Website comment data: Retained indefinitely to support spam detection and comment moderation
  • User account information: Accessible and editable by the user at any time

10. How We Protect Your Information

We have adopted policies and procedures designed to protect your personal information from unauthorized use or disclosure. Our security measures include:

  • Physical, electronic, and procedural safeguards to maintain confidentiality and integrity of personal information in our possession
  • Access controls limiting employee access to personal information to those with a legitimate business need
  • Information technology security measures including passwords, firewalls, and virus detection software
  • Ongoing assessment of new technologies to upgrade our security systems as appropriate
  • Employee policies requiring all staff to safeguard personal information about the consumers and customers we serve

Please note that no security system is completely impenetrable. Email is not a secure form of communication for transmitting sensitive or personal information.

Our website may contain links to third-party websites, including social media platforms. This Privacy Policy applies only to our website. We have no control over the privacy practices of third-party sites and encourage you to review their privacy policies before providing any personal information.

12. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time at our sole discretion. When we make changes, we will update the “Last Updated” date at the top of this page. We encourage you to review this page periodically. Your continued use of this site after any changes constitutes your acceptance of the updated policy.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

  • Preferred Mortgage Advisors, Inc.
  • 1990 N California Blvd, Fl 8, Walnut Creek, CA 94596
  • Phone: (925) 917-1135
  • Hours: Monday-Friday 8 AM – 5:00 PM

This Privacy Policy has been updated to reflect current California privacy law requirements including the CCPA/CPRA (effective January 1, 2026) and the Homebuyers Privacy Protection Act (effective March 4, 2026).