Privacy Policy.

Who we are.

Spring Home Company Incorporated (doing business as "Spring Home") is an independent mortgage brokerage headquartered at 1815 Lakewood Rd, Ste 236, Toms River, NJ 08755. NMLS #2741914. Currently licensed in NJ, PA, and TX, with NY coming soon. In this policy, "we," "us," and "Spring Home" refer to Spring Home Company Incorporated; "you" refers to any visitor, applicant, borrower, or co-borrower who shares information with us.

Information we collect.

The information we collect depends on how you interact with us. Broadly, it falls into three buckets:

• Contact information you volunteer: name, email address, phone number, and any message content when you fill out a quote request, contact form, or newsletter signup.
• Loan application information: Social Security number, date of birth, address history, employment and income, assets and liabilities, credit authorization, property details, and any documentation you upload (pay stubs, tax returns, bank statements, ID) — collected only when you formally apply through our client portal or a signed loan application.
• Automatically collected technical data: IP address, browser type, device information, referring URL, pages viewed, and cookie identifiers, gathered when you use the website.

How we use your information.

• To respond to inquiries, quote requests, and contact-form submissions.
• To evaluate your loan application, pull credit (with your written consent), shop wholesale lenders on your behalf, and originate and close your loan.
• To meet legal, regulatory, and licensing obligations, including federal (TILA, RESPA, ECOA, HMDA, GLBA, Fair Credit Reporting Act) and state mortgage-broker requirements.
• To prevent fraud, verify identity, and secure our systems.
• To send you loan updates, rate alerts, or marketing communications you've opted into — you can unsubscribe at any time.
• To improve the website and understand which content is useful.

Who we share it with.

We share non-public personal information only as needed to originate your loan or as permitted by law. That includes:

• Wholesale lenders and investors evaluating or funding your loan.
• Service providers we rely on to do business — credit bureaus, appraisers, title and escrow companies, insurance carriers, document-signing platforms, our loan-origination system (LOS), email/hosting/analytics vendors — under contractual confidentiality obligations.
• Government agencies and regulators when required by law, subpoena, or audit.
• A successor entity in the event of a merger, acquisition, or sale of assets.

We do not sell your personal information. We do not rent, trade, or otherwise transfer your non-public personal information to third parties for their own marketing purposes.

SMS / text messaging consent.

Your rights under GLBA and Regulation P.

As a financial institution, we're governed by the Gramm-Leach-Bliley Act and Regulation P. That gives you specific rights regarding your non-public personal information:

• Right to receive a privacy notice at the time of application and annually thereafter if you have an ongoing relationship with us.
• Right to opt out of any sharing of your non-public personal information with non-affiliated third parties for purposes beyond those needed to originate and service your loan. As stated above, we do not share information for such purposes, but if that ever changes, you'll receive notice and an opt-out mechanism first.
• Right to limit affiliate sharing for marketing purposes under the Fair Credit Reporting Act.

To exercise any of these rights, email hello@springhome.co or call 732-908-8040.

Cookies and analytics.

We use a small number of cookies and similar technologies to keep the site running, remember your preferences, and understand aggregate usage patterns. This typically includes first-party session cookies and a privacy-respecting analytics service. You can disable cookies in your browser settings; some site features may not work as expected if you do. We do not currently respond to "Do Not Track" browser signals, but we honor the opt-out and deletion rights described in this policy.

How we protect your information.

We maintain administrative, technical, and physical safeguards designed to protect the confidentiality and integrity of your information, including encrypted document uploads through our client portal, access controls, and vendor due diligence. No method of transmission over the internet is 100% secure — please never email us your Social Security number, bank account numbers, or other sensitive data. Use the secure client portal for any document containing that information.

How long we keep it.

We retain loan application records for the periods required by federal and state law (generally 25 months to several years depending on the record type), and longer where a regulator, investor, or litigation hold requires it. Contact-form and marketing data is retained only as long as needed for its purpose or until you ask us to delete it.

Children.

The website and our services are not directed to children under 18. We do not knowingly collect personal information from children.

Changes to this policy.

We may update this policy from time to time. Material changes will be posted here with a new "Last updated" date, and, where required by law, we'll notify you directly.

Contact us.

Questions about this policy, or a request to exercise any of the rights above? Reach us at: