Privacy Policy

This Privacy Policy explains how NEXA Mortgage, LLC dba Veterans Home Loans.AI ("we," "us," or "our") collects, uses, shares, and protects information when you visit this website or contact us. Veterans Home Loans.AI is a DBA of NEXA Mortgage, LLC, NMLS #1660690, 5559 S Sossaman Rd, Mesa, AZ 85212. Your loan officer is Mario Noriega, NMLS #476048.

1. Information We Collect

We may collect the following categories of information:

• Information you give us: name, phone number, email address, mailing or property address, military or Veteran status, loan purpose, estimated home value, income, credit range, and any notes or questions you submit through our contact, application, newsletter, or "Join Our Team" forms.
• Calculator inputs: figures you enter into our mortgage calculators (such as home price, down payment, and interest rate). These are processed in your browser to show estimates. Scenarios you choose to save are stored only in your own browser and are not sent to us.
• Automatically collected information: device and browser type, pages viewed, referring page, and similar technical data, which may be collected through cookies and similar technologies used by our website platform.
• Communications: records of calls, texts, and emails between you and us.

Please do not send your full Social Security number, bank account numbers, or other highly sensitive information through the general website forms. If we need this information to process a loan application, we will request it through a secure process.

2. How We Use Your Information

• To respond to your questions and requests, including scheduling calls and providing estimates.
• To evaluate and process mortgage inquiries and applications.
• To contact you by phone, text, and email about our products and services, as described in Section 4.
• To send newsletters and educational content if you subscribe.
• To respond to career inquiries submitted through our "Join Our Team" page.
• To operate, secure, and improve our website and services, and to comply with legal and regulatory requirements.

3. How We Share Information

We do not sell your personal information. We may share information with:

• Service providers that help us run our business, such as our website, customer-relationship-management, and communications platform (Partner Pro / GoHighLevel), who may use the information only to provide services to us.
• Mortgage-related parties as needed to process a loan you request, such as lenders, investors, appraisers, title and escrow companies, credit reporting agencies, and mortgage insurers.
• Regulators, courts, and law enforcement when required by law or to protect our rights.
• Successors in the event of a merger, acquisition, or sale of business assets.

4. Calls, Texts, and Emails (TCPA)

If you submit a form and check the consent box, you agree that NEXA Mortgage, LLC dba Veterans Home Loans.AI may contact you by phone, text message, and email at the number and address you provide, including through automated technology and prerecorded messages. Consent is not a condition of any purchase or of receiving credit. Message and data rates may apply. You can opt out of text messages at any time by replying STOP, and you can unsubscribe from emails using the link in any message. You may also tell us directly that you do not want to be contacted.

5. Mortgage Applications and Federal Privacy Notice

If you apply for a mortgage loan, the nonpublic personal information you provide is also protected under the Gramm-Leach-Bliley Act. At or before the time you apply, we will provide our separate Privacy Notice describing how we collect, share, and protect that information and your choices. If there is a difference between this website policy and that notice regarding your loan information, the loan Privacy Notice controls.

6. Cookies and Similar Technologies

Our website platform may use cookies and similar technologies to make the site work, remember preferences, and understand how the site is used. You can control cookies through your browser settings. Blocking some cookies may affect how parts of the site function.

7. Data Security and Retention

We use reasonable administrative, technical, and physical safeguards designed to protect your information. No method of transmission or storage is completely secure, so we cannot guarantee absolute security. We keep information only as long as needed for the purposes described in this policy and to meet legal, regulatory, and recordkeeping requirements.

8. Your Choices and Rights

You may contact us to ask what personal information we hold about you, to request corrections, or to ask us to stop marketing communications. Depending on where you live, you may have additional rights under state privacy laws, such as the right to know, delete, or correct personal information. Some information we hold as a mortgage company must be kept to comply with federal and state law, so we may not be able to delete it on request. To make a request, use the contact information below. We may need to verify your identity first.

9. Children's Privacy

This website is intended for adults and is not directed to children under 18. We do not knowingly collect personal information from children.

10. Third-Party Websites

Our site may link to third-party websites, such as the NMLS Consumer Access website or Veteran resource organizations. We do not control those sites and are not responsible for their privacy practices.

11. Changes to This Policy

We may update this Privacy Policy from time to time. The "Last updated" date above shows when it was last changed. Continued use of the site after an update means you accept the revised policy.

12. Contact Us

NEXA Mortgage, LLC dba Veterans Home Loans.AI
5559 S Sossaman Rd, Mesa, AZ 85212
Phone: (480) 694-3014
Email: [email protected]
Corporate NMLS #1660690  |  Loan Originator Mario Noriega, NMLS #476048
Verify licensing at NMLS Consumer Access.