Privacy Policy

Chet Hearn and Coast2Coast Mortgage, LLC (NMLS #1931461 / Company NMLS #376205) are committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you engage with us for mortgage lending services or visit our website. This policy is maintained in accordance with the Gramm-Leach-Bliley Act (GLBA) and other applicable federal and state privacy laws governing financial institutions.

Information We Collect
We collect a variety of personal information to help provide mortgage-related services, including but not limited to:

When you apply for a mortgage, seek pre-qualification, or contact us, we may collect your name, contact details (email, phone number, address), Social Security number, income details, employment information, credit score, tax records, and other financial data necessary for processing mortgage applications.

When you visit our website, we may automatically collect information about your device, IP address, browser type, and usage patterns, including pages visited, time spent on the site, and referral URLs.

Any communication with us — whether via phone, email, text message, or online messaging — may be recorded and stored for quality assurance, legal, or customer service purposes.

We may use cookies, web beacons, and similar tracking technologies to improve your browsing experience, track user activity, and provide customized services.

How We Use Your Information
We use your personal information for the following purposes:

• To assess your eligibility, process loan applications, underwrite loans, and issue mortgage approvals or denials.
• To respond to your inquiries, provide loan status updates, and send important mortgage-related notifications.
• To comply with legal obligations, such as verifying your identity, preventing fraud, and meeting federal and state mortgage lending regulations.
• To provide you with relevant offers, updates, and services that may benefit you (with the option to opt out).
• To analyze how users interact with our website, enhance its functionality, and optimize user experience.

Sharing and Disclosure of Information
Your privacy is important to us, and we do not sell your personal information to third parties. However, we may share your data in the following ways:

We may share your information with trusted third-party service providers who assist us in processing loans, such as credit bureaus, appraisers, and title companies. These providers are bound by confidentiality agreements and may only use your information for authorized purposes.

We may disclose your information if required by law, such as in response to court orders, subpoenas, or regulatory requests from government agencies.

If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction. In such cases, we will notify you before your personal data is transferred and becomes subject to a different privacy policy.

Data Security
We prioritize the security of your personal data and have implemented administrative, technical, and physical safeguards to protect your information from unauthorized access, disclosure, or misuse. These measures include encryption, firewalls, and secure access controls. However, no method of transmitting or storing data is 100% secure, and we cannot guarantee absolute security.

Cookies and Tracking Technologies
We use cookies and similar technologies to personalize your browsing experience, track website traffic, and understand user behavior. You can manage your cookie preferences through your browser settings. Disabling cookies may limit certain website features.

Your Privacy Rights
Depending on your location and applicable privacy laws, you may have the right to:

• Request a copy of the personal data we hold about you.
• Request correction of inaccurate or incomplete personal data.
• Under certain circumstances, request deletion of your personal information.
• Request limitations on how we process your personal data.
• Receive your personal data in a machine-readable format.
• Object to processing of your personal data for specific purposes, such as marketing.

To exercise any of these rights, contact us using the information below.

Third-Party Links
Our website may link to third-party sites we do not operate or control. We are not responsible for their privacy practices. Review third-party privacy policies before sharing personal information with them.

Children's Privacy
Our services are not directed toward children under 13, and we do not knowingly collect information from children. If we learn we've inadvertently collected data from a child, we will delete it promptly.

Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices or legal obligations. Updates will be posted on this page.

Contact Us
If you have questions or requests regarding this Privacy Policy, please contact:

Chet Hearn, Senior Mortgage Advisor
Coast2Coast Mortgage, LLC — NMLS #376205
Individual NMLS #1931461
230 Castle Pines, Kerrville, TX 78028
Phone: (830) 642-1507
chet@chethearn.com