Privacy Policy

1. Introduction

HowToMortgage101.com ("we," "us," or "our") is operated by Achievers Mortgage, LLC. We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or submit a quote request.

Please read this policy carefully. If you disagree with its terms, please discontinue use of the site.

2. Information We Collect

We collect information you voluntarily provide when you fill out a quote request form, including:

• Name, email address, and phone number
• Property state, estimated purchase price or loan balance
• Credit score range, employment type, and loan timeframe
• Any additional notes you choose to include
• SMS consent status

We also automatically collect certain technical data when you visit our site, such as IP address, browser type, pages visited, and referring URLs, through standard server logs and analytics tools.

3. How We Use Your Information

We use the information we collect to:

• Connect you with a licensed loan officer in our network who can discuss rates, loan programs, and mortgage options specific to your situation
• Send you a confirmation email with next steps after you submit a quote request
• Send you SMS messages if you have opted in (see Section 5)
• Improve the content and functionality of our website
• Comply with applicable laws and regulations

4. Sharing of Your Information

We share your information only as follows:

• Licensed Loan Officers: When you submit a quote request, your information is passed to a licensed loan officer in our network located in your state. That loan officer is a separate company and is bound by their own privacy obligations and applicable state and federal law.
• Service Providers: We may share data with trusted third-party vendors who help us operate our website and communicate with you (e.g., email delivery, analytics). These vendors are contractually prohibited from using your data for any other purpose.
• Legal Requirements: We may disclose your information if required by law, court order, or governmental authority.

As a lead generation platform, we currently share your information only with licensed loan officers in our network who are matched to assist you. We do not sell your personal information at this time. This practice may change in the future, and any material changes will be reflected in an updated version of this Privacy Policy.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, to comply with our legal obligations, and to resolve disputes. Quote request data is typically retained for up to 7 years in accordance with mortgage industry recordkeeping requirements.

7. Your Rights

Depending on your state of residence, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information (subject to legal retention requirements)
• Opt out of SMS communications at any time by replying STOP

To exercise any of these rights, please contact us at the address below.

8. Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

9. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by a revised "Last updated" date at the top of this page. We encourage you to review this policy periodically.

10. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us: