Privacy Policy

This Privacy Policy applies to Solmira Home Loans (NMLS #2870116), a licensed mortgage company based in St. Cloud, Florida.

Last Updated: August 1, 2026

1. Information We Collect

When you interact with us through our website, SMS, phone, email, or referral, we may collect:

  • Personal information: Name, email, phone number, mailing address, date of birth
  • Financial information: Income, assets, credit history, employment, and property details
  • Communication data: Messages, inquiries, and consent records
  • Device/technical data: IP address, browser type, pages visited, and cookies

2. How We Use Your Information

We use your information to:

  • Process mortgage loan applications and pre-qualifications
  • Communicate with you about your loan status, rates, and updates
  • Send marketing messages (with your consent) via SMS, email, or phone
  • Comply with federal and state lending laws, including RESPA, TILA, and CFPB regulations
  • Improve our website and services

3. SMS / Text Message Communications (A2P / CTIA Compliance)

By providing your mobile phone number and opting in, you expressly consent to receive text messages from Solmira Home Loans, including informational, transactional, and marketing messages related to mortgage services.

  • Message frequency: Varies based on your inquiry and loan stage.
  • Message & data rates may apply.
  • To opt out: Reply STOP to any text message at any time. You will receive a confirmation and no further messages will be sent.
  • To get help: Reply HELP for assistance or contact us at [email protected].
  • We do not share your mobile number with third parties for their marketing purposes.
  • Consent to receive SMS messages is not a condition of purchasing any goods or services.

4. Telephone Consumer Protection Act (TCPA)

By submitting your information, you authorize Solmira Home Loans to contact you at the phone number provided, including via autodialer, pre-recorded voice, or text message, in accordance with the TCPA. You may revoke consent at any time by contacting us directly.

5. How We Share Your Information

We may share your information with:

  • Mortgage lenders, investors, and underwriters involved in your loan process
  • Credit bureaus and background verification providers
  • Service providers who assist us in operating our business (under strict confidentiality agreements)
  • Government and regulatory agencies as required by law (CFPB, HUD, etc.)

We do not sell your personal information to third parties.

6. Cookies & Tracking Technologies

Our website uses cookies and analytics tools to improve user experience and track website performance. You may disable cookies in your browser settings, though some features may not function properly.

7. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, or misuse. However, no transmission over the internet is 100% secure.

8. Your Rights

Depending on your state of residence, you may have the right to:

  • Access the personal information we hold about you
  • Request correction or deletion of your information
  • Opt out of certain data uses or marketing communications

To exercise these rights, contact us at [email protected].

9. RESPA & Fair Lending

Solmira Home Loans complies with the Real Estate Settlement Procedures Act (RESPA) and all applicable fair lending laws. We do not accept fees or kickbacks from settlement service providers in exchange for referrals.

10. Not a Commitment to Lend

The information on this website is provided for general informational purposes only and does not constitute a commitment to lend or an offer to make a mortgage loan. Loan approval is subject to credit and property approval, as well as applicable state and federal regulations.

11. Updates to This Policy

We reserve the right to update this Privacy Policy at any time. The "Last Updated" date at the top reflects the most recent revision. We encourage you to review this policy periodically.

12. Contact Us

For privacy-related questions or concerns, contact:

Solmira Home Loans
NMLS #2870116
St. Cloud, Florida
Email: [email protected]
Phone: 1-888-740-0054

Solmira Home Loans | NMLS #2870116 | St. Cloud, Florida | Licensed Mortgage Company | Equal Housing Lender