This Privacy Policy describes how MortgageOne, Inc. ("MortgageOne," "we," "us," or "our"), operating through VAHomeOwnership.com and Team Bales VA Lending, collects, uses, shares, and protects your personal information. By using our websites, tools, and mortgage services you agree to the practices described here. This policy supplements the MortgageOne Corporate CCPA Privacy Notice.
Information you provide directly:
Information collected automatically:
No credit pull without your consent. Our pre-qualification tools use self-reported information only and do not access your credit report or Social Security number. A formal credit inquiry only occurs when you explicitly authorize it during a full mortgage application.
We do not sell your personal information. In the preceding 12 months, MortgageOne has not sold any personal information and has no intention of doing so. We do not collect or sell the personal information of consumers under 16 years of age.
We may share your information with:
You can control cookies through your browser settings. California residents may opt out of sale/sharing through cookies by visiting our CCPA Privacy Notice.
We implement industry-standard safeguards including SSL/TLS encryption, access controls, regular security assessments, and staff training. No transmission method is 100% secure. If you believe your information has been compromised, contact us immediately at [email protected].
Contact us to exercise any of these rights. We will respond within 30 days (California residents: 45 days).
This section applies to California residents only and supplements all other sections of this policy. It is adopted to comply with the California Consumer Privacy Act of 2018 (CCPA) and the California Privacy Rights Act (CPRA). The Company does not use or disclose sensitive personal information for purposes other than those specified in California Consumer Privacy Act Regulations 7027(m).
Categories of Personal Information Collected in the Past 12 Months:
| Category | Examples | Collected |
|---|---|---|
| A. Identifiers | Name, address, email, phone, IP address | Yes |
| B. Personal Records (Cal. Civ. Code § 1798.80(e)) | Name, financial information, employment history | Yes |
| C. Protected Classifications | Military/veteran status, disability rating | Yes |
| D. Commercial Information | Property records, loan products considered | Yes |
| E. Biometric Information | Fingerprints, facial scans | No |
| F. Internet Activity | Browsing history, site interaction data | No |
| G. Geolocation | Physical location or movements | No |
| H. Sensory Data | Audio, visual recordings | No |
| I. Professional / Employment | Employer, employment status, income | Yes |
| J. Education Information | Transcripts, student records | No |
| K. Inferences | Profiles reflecting creditworthiness, preferences | Yes |
Personal information does not include publicly available government records, de-identified information, or data excluded from CCPA scope under FCRA, GLBA, or FIPA.
Your California Rights:
How to Exercise California Rights — Contact MortgageOne Corporate:
We will respond to California requests within 45 days. If additional time is needed (up to 90 days), we will notify you in writing.
For the full MortgageOne CCPA Privacy Notice including complete disclosure tables and opt-out procedures, visit: mortgageonehomeloans.com/ccpa-privacy-notice
Our services are not directed to individuals under 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, contact us immediately. We do not collect or sell the personal information of consumers under 16 years of age.
We retain personal information as long as necessary to fulfill the purposes in this policy and to comply with federal and state mortgage laws. RESPA and Regulation B require loan records to be retained a minimum of 3 years; completed loan files are typically retained up to 7 years. Adverse action notices are retained 25 months as required by ECOA. Pre-qualification inquiries not resulting in an application may be retained up to 2 years.
Our website may link to third-party sites including booking platforms, the VA, NMLS Consumer Access, and partner sites. This Privacy Policy does not apply to those sites. We are not responsible for the content or privacy practices of external websites.
TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TELEPHONE: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON THE SML WEBSITE AT SML.TEXAS.GOV. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.
Pursuant to the Illinois Residential Mortgage License Act (205 ILCS 735/35-20): MortgageOne, Inc. is licensed by the Illinois Department of Financial and Professional Regulation to engage in the business of residential mortgage lending. Complaints about residential mortgage lenders may be submitted to the Illinois Department of Financial and Professional Regulation, Division of Banking, 100 West Randolph, 9th Floor, Chicago, Illinois 60601; telephone 1-888-473-4858.
For a complete list of state licensing information and required disclosures for all states in which MortgageOne is licensed, visit: mortgageonehomeloans.com/state-by-state-licensing
MortgageOne collects and reports mortgage data as required by HMDA. View our HMDA Notice: mortgageonehomeloans.com/home-mortgage-disclosure-act-notice
Verify our licensing at NMLS Consumer Access — Company #898812. This site is not affiliated with or endorsed by any government agency. This is not a commitment to lend. Equal Housing Lender.
For the full list of state license numbers and regulatory contacts, visit: mortgageonehomeloans.com/state-by-state-licensing
To file a consumer complaint: mortgageonehomeloans.com/consumer-complaints
We may update this Privacy Policy periodically. When we make material changes, we will update the "Last Updated" date at the top. Your continued use of our services after changes constitutes acceptance of the updated policy.
To exercise your privacy rights, request information, submit an opt-out, or ask questions about this policy, contact us through either channel below. We respond within 30 days (California: 45 days).