This Privacy Policy describes how Christopher Jordan, operating in connection with Main Street Home Loans, a Division of NFM, Inc. (“we,” “us,” or “our”), collects, uses, maintains, and discloses information collected from users (“Users” or “you”) of this website (“Site”).

This Privacy Policy applies to information collected through the Site and in connection with mortgage-related inquiries, communications, services, and other interactions with Christopher Jordan and Main Street Home Loans.

Christopher Jordan: NMLS #143670; DC MLO143670; VA MLO-740VA; MD 5762.

Main Street Home Loans is a Division of NFM, Inc., NMLS #2893.

Personal Identification Information

We may collect personal identification information from Users in a variety of ways, including when Users:

• Visit or interact with the Site
• Complete a contact form
• Request information about mortgage products or services
• Request prequalification or preapproval information
• Begin or submit a mortgage application
• Contact us by telephone, email, text message, or other communication method
• Subscribe to communications or updates
• Otherwise interact with mortgage services offered through the Site

Depending on the nature of your inquiry or transaction, information collected may include:

• Name
• Email address
• Telephone number
• Mailing address
• Property address
• Employment information
• Income information
• Asset and financial information
• Loan amount or property purchase information
• Credit-related information
• Social Security number or other identifying information when necessary as part of a formal loan application
• Information about your current mortgage, housing situation, or financing needs
• Other information you voluntarily provide

We collect personal information only when Users voluntarily provide it to us or when it is otherwise necessary to provide requested mortgage-related services.

You may choose not to provide certain information. However, doing so may prevent us from responding to your request, evaluating your eligibility for certain services, or processing a mortgage application.

Non-Personal Identification Information

We may collect non-personal or technical information about Users whenever they interact with the Site.

This information may include:

• Browser type
• Device type
• Operating system
• Internet Protocol address
• Internet service provider
• Referring website
• Pages viewed
• Date and time of visits
• General geographic information
• Information regarding how Users interact with the Site

This information may be used to operate, maintain, secure, analyze, and improve the Site and its functionality.

Web Browser Cookies

The Site may use cookies and similar technologies to improve the User experience, analyze website traffic, remember preferences, and support website functionality.

A User’s web browser may store cookies on the User’s device for record-keeping purposes or to collect information regarding Site activity.

Users may configure their browser to refuse cookies or to provide an alert when cookies are being sent. If cookies are disabled, certain portions of the Site may not function properly.

The Site may also use third-party analytics, advertising, or tracking technologies where permitted by applicable law.

How We Use Collected Information

We may collect and use Users’ personal information for purposes including:

• Responding to mortgage inquiries
• Providing information about mortgage products and loan programs
• Assisting with prequalification or preapproval requests
• Processing mortgage applications
• Evaluating loan eligibility
• Communicating regarding loan status, documentation, underwriting, closing, or other loan-related matters
• Providing customer service
• Responding to questions and requests
• Scheduling appointments or consultations
• Sending administrative or transactional communications
• Processing payments or fees when applicable
• Complying with legal, regulatory, licensing, and recordkeeping requirements
• Detecting or preventing fraud, security threats, or unlawful activity
• Improving the Site and our services
• Analyzing Site traffic and performance
• Sending marketing or informational communications when permitted by law

Information submitted in connection with a mortgage inquiry, prequalification, or application may also be used as necessary to provide mortgage lending services.

Mortgage Application and Financial Information

Mortgage transactions may require the collection of financial and personally identifiable information beyond what is typically collected through a general website.

Depending on the services requested, this information may include:

• Income
• Employment history
• Bank account or asset information
• Debt obligations
• Credit information
• Tax-related information
• Property information
• Government-issued identification
• Social Security number
• Other information required to evaluate or process a mortgage transaction

Information collected as part of a loan application may be subject to additional federal and state privacy requirements, including applicable financial privacy laws and the privacy practices of NFM, Inc.

Nothing in this Privacy Policy replaces or limits any separate financial privacy notice, disclosure, authorization, or consent required in connection with a mortgage application or transaction.

How We Protect Your Information

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, alteration, disclosure, misuse, loss, or destruction.

Sensitive information transmitted through the Site may be protected using SSL/TLS encryption and other security technologies where appropriate.

However, no method of electronic transmission or storage can be guaranteed to be completely secure.

Users should avoid sending highly sensitive financial information through ordinary email or unsecured communication methods unless specifically instructed to do so through an approved secure system.

Sharing Your Personal Information

We do not sell or rent Users’ personal information for unrelated third-party marketing purposes.

Information may be shared when reasonably necessary to provide mortgage services or conduct business operations, including with:

• NFM, Inc. and affiliated business operations
• Mortgage processors
• Underwriters
• Loan servicing providers
• Appraisers
• Title companies
• Settlement or closing service providers
• Credit reporting agencies
• Verification service providers
• Insurance-related providers
• Technology and website service providers
• Customer relationship management providers
• Communication providers
• Professional advisers
• Government agencies or regulatory authorities
• Other parties involved in processing, underwriting, closing, servicing, or administering a mortgage transaction

Information may also be disclosed where required or permitted by law, regulation, court order, subpoena, governmental request, or other legal process.

Personal information collected in connection with a mortgage application may be shared as permitted under applicable federal and state financial privacy laws and applicable NFM, Inc. privacy notices.

We may also use or disclose aggregated or de-identified information that cannot reasonably be used to identify an individual.

SMS Privacy Policy

If you provide your mobile telephone number and consent to receive text messages, we may send communications relating to your inquiry, mortgage application, appointment, loan status, requested services, or other authorized communications.

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

Text messaging originator opt-in data and consent will not be shared with third parties for marketing or promotional purposes.

Message frequency may vary.

Message and data rates may apply.

You may opt out of text communications at any time by replying STOP.

You may reply HELP for assistance.

Consent to receive text messages is not a condition of obtaining mortgage financing.

Email Communications

We may use the email address you provide to:

• Respond to inquiries
• Provide requested mortgage information
• Communicate regarding a loan application
• Request documentation
• Provide transaction updates
• Send service-related notices
• Provide educational or marketing communications when permitted by law

You may unsubscribe from non-transactional marketing communications by using the unsubscribe instructions included in those communications.

Certain communications relating to an active loan inquiry, application, or transaction may continue as necessary to provide the requested services.

Third-Party Websites

The Site may contain links to websites or services operated by third parties.

These third-party websites may include lenders, service providers, government agencies, credit agencies, industry resources, social media platforms, or other external services.

We do not control the content, privacy practices, security, or policies of third-party websites.

Your use of any third-party website is governed by that website’s own privacy policy and terms of use.

Users should review the privacy policies of third-party websites before providing personal information.

Children’s Privacy

The Site and the mortgage services described on it are intended for adults and are not directed toward children under the age of 13.

We do not knowingly collect or maintain personal information through the Site from individuals we know to be under the age of 13.

If we become aware that information has been collected from a child under 13 without appropriate authorization, we will take reasonable steps to delete that information.

Data Retention

We may retain personal information for as long as reasonably necessary to:

• Provide requested mortgage services
• Process or administer loan transactions
• Maintain required business and lending records
• Comply with legal and regulatory requirements
• Resolve disputes
• Enforce agreements
• Protect against fraud or misuse
• Meet applicable record-retention requirements

Mortgage and lending records may be subject to specific retention periods imposed by federal or state law.

Your Privacy Choices

Depending on your location and applicable law, you may have certain rights regarding personal information maintained about you.

These rights may include the ability to request:

• Access to certain personal information
• Correction of inaccurate information
• Deletion of certain information
• Information regarding how personal information has been used or disclosed
• Withdrawal from certain marketing communications

Some information may be exempt from these requests where retention or disclosure is required or permitted by financial-services, lending, regulatory, or other applicable laws.

We may need to verify your identity before fulfilling certain privacy-related requests.

Do Not Track and Privacy Signals

Some web browsers or devices provide privacy preference signals, including “Do Not Track” settings.

Because there is not a single universally accepted standard governing all such signals, the Site may not respond to every browser-based Do Not Track request.

Where required by applicable law, we will honor legally recognized privacy preference mechanisms.

Information About Mortgage Services

Information provided through this Site is for informational purposes only.

Loan programs, interest rates, fees, guidelines, eligibility requirements, and availability are subject to change without notice.

Information presented through the Site does not constitute a commitment to lend or a credit decision.

All financing is subject to:

• Application
• Required documentation
• Property eligibility
• Appraisal when required
• Credit review
• Underwriting approval
• Other applicable lending requirements

Not all applicants will qualify, and not all mortgage programs are available in all geographic areas.

Prequalification is a preliminary evaluation and does not constitute final loan approval.

Christopher Jordan, Main Street Home Loans, and NFM, Inc. do not provide tax, legal, financial-planning, or credit-repair advice. Users should consult an appropriate professional regarding their individual circumstances.

Government loan programs are not affiliated with or endorsed by Christopher Jordan, Main Street Home Loans, or NFM, Inc.

Testimonials and Reviews

Testimonials and reviews presented on the Site reflect individual experiences and do not guarantee that other customers will achieve the same or similar results.

Main Street Home Loans does not provide incentives in exchange for testimonials or reviews.

Reviews dated on or before February 5, 2019 relate to services performed before employment with Main Street Home Loans.

Licensing Information

Christopher Jordan
NMLS #143670
DC MLO143670
VA MLO-740VA
MD 5762

Main Street Home Loans is a Division of NFM, Inc.
NMLS #2893

Complete company and state licensing information is available through NFM, Inc.’s licensing information page.

NMLS licensing information may also be verified through NMLS Consumer Access.

NFM, Inc. is not affiliated with, or an agent or division of, any governmental agency or depository institution.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

When changes are made, the “Last Updated” date at the top of this page will be revised.

We encourage Users to periodically review this Privacy Policy to remain informed about how information is collected, used, and protected.

Continued use of the Site after changes are posted constitutes acknowledgment of the revised Privacy Policy to the extent permitted by applicable law.

Your Acceptance of These Terms

By using this Site, you acknowledge this Privacy Policy and the practices described within it.

If you do not agree with this Privacy Policy, please discontinue use of the Site.

Use of the Site does not itself create a lending relationship or constitute approval for any loan product.

Contacting Us

If you have questions regarding this Privacy Policy, the practices of this Site, or information you have provided in connection with mortgage services, please contact:

Christopher Jordan
Main Street Home Loans
A Division of NFM, Inc.
NMLS #143670
NFM, Inc. NMLS #2893
(240) 670-5090
CJMT@mainstreethl.com

For company licensing information, visit:
www.nfmlending.com/licensing

NMLS Consumer Access:
www.nmlsconsumeraccess.org