Privacy Policy
This website is owned and maintained by Rich Jones, a licensed residential mortgage loan originator (NMLS #1192902), and an employee of The Loan Advisors, LLC (NMLS #2519128) (collectively, “we,” “us,” or “our”).
We respect your privacy and are committed to protecting the personal and financial information you provide to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.TheMortgageKnow.com submit inquiries, apply for a residential mortgage loan, or otherwise interact with us in connection with mortgage-related products and services.
By using our website or services, you agree to the terms of this Privacy Policy.
Information We Collect
In connection with providing residential mortgage brokerage services, we may collect non-public personal information as permitted by law, including:
Personal Identifying Information
- Name, mailing address, email address, and telephone number
- Date of birth
- Social Security number or Tax Identification Number
- Government-issued identification
Financial and Credit Information
- Employment, income, and asset information
- Bank, investment, and retirement account details
- Credit reports and credit history obtained from consumer reporting agencies
- Mortgage loan application data and supporting documentation
- Payment and transaction records related to your mortgage request
Property and Transaction Information
- Property address and occupancy details
- Purchase contracts, settlement statements, and closing documents
- Appraisal-related and insurance information
Website and Technical Information
- IP address, browser type, and device information
- Pages visited, referral data, and time spent on the site
- Cookies and similar tracking technologies (see Section 7)
2. How We Use Your Information
We use your information solely for legitimate business, operational, and regulatory purposes, including to:
- Evaluate, process, and submit residential mortgage loan applications
- Verify identity and prevent fraud
- Obtain credit reports and underwriting documentation
- Communicate with lenders, investors, title companies, appraisers, and settlement agents
- Provide disclosures required under federal and state mortgage laws
- Respond to inquiries and provide customer support
- Maintain internal records and comply with licensing, audit, and record-retention requirements
- Improve our website, services, and customer experience
- Deliver transactional communications and permitted educational or marketing information
3. How We Share Your Information
We do not sell your personal information.
We may share your information, as permitted or required by law, with:
- Wholesale mortgage lenders and investors for underwriting, approval, and funding purposes
- Service providers that support mortgage operations, including credit bureaus, secure document portal providers, technology vendors, and compliance service providers
- Settlement and transaction partners, such as title companies, escrow agents, attorneys, and appraisal management companies
- Regulatory, governmental, or licensing authorities as required by law
- Legal authorities in response to subpoenas, court orders, or other lawful requests
All third parties are required to maintain appropriate safeguards to protect your information.
4. Compliance With Financial Privacy Laws
Our information-handling practices comply with applicable federal and state laws, including the Gramm-Leach-Bliley Act (GLBA) and the Fair Credit Reporting Act (FCRA). These laws permit the collection, use, and sharing of information as necessary to provide residential mortgage services and meet regulatory obligations.
Certain information must be retained for compliance, licensing, and record-keeping purposes and cannot be deleted upon request while those obligations remain in effect.
5. Your Privacy Choices
You may:
- Request access to certain personal information we maintain
- Request correction of inaccurate or incomplete information
- Opt out of non-essential marketing communications
Requests may be submitted using the contact information provided below.
6. Data Security
We employ reasonable administrative, technical, and physical safeguards consistent with residential mortgage industry standards, including:
- Encrypted data transmission and secure document portals
- Restricted access to non-public personal information
- Role-based access controls and confidentiality obligations
- Ongoing security and compliance practices
While we take appropriate steps to protect your information, no system can be guaranteed to be completely secure.
7. Cookies and Tracking Technologies
We use cookies and similar technologies to operate and improve our website and analyze usage trends. You may manage cookie preferences through your browser settings; however, disabling cookies may limit certain site functionality.
8. Children’s Privacy
Our services are intended for individuals seeking residential mortgage financing. We do not knowingly collect personal information from anyone under the age of 18.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in laws, regulations, or business practices. When updates occur, the Effective Date at the top of this page will be revised. Continued use of our website or services constitutes acceptance of the updated policy
Contact Information
If you have questions about this Privacy Policy or our privacy practices, please contact:
Rich Jones
The Loan Advisors, LLC
9711 Washingtonian Blvd, Suite 550
Gaithersburg, MD 20878
📧 rjones@TLAlending.com
📞 301-798-5888