Privacy Policy

Protection of the Privacy of Personal Non-Public Information for Access Home Lending
Effective Date: [03/20/2026]

Access Home Lending (“Access Home Lending,” “Company,” “we,” “our,” or “us”) provides reverse mortgage and related lending services including Home Equity Conversion Mortgages (“HECMs”)  insured by the Federal Housing Administration (“FHA”) and regulated by the U.S. Department of Housing and Urban Development (“HUD”). We are committed to safeguarding the privacy and security of nonpublic personal information (“NPI”) in accordance with applicable federal and state laws, including the Gramm-Leach-Bliley Act (“GLBA”), Regulation P (12 C.F.R. Part 1016), the Fair Credit Reporting Act (“FCRA”), and, where applicable, the California Consumer Privacy Act as amended by the California Privacy Rights Act (“CCPA/CPRA”).

This Privacy Policy describes how we collect, use, disclose, and protect your information.

1. Categories of Information We Collect

We collect NPI about you from the following sources:

a. Information You Provide to Us

  • Identifiers: full name, date of birth, Social Security number, government-issued identification

  • Contact information: address, email, phone number

  • Financial information: income, assets, liabilities, bank account information

  • Property information: address, title information, occupancy status

b. Information from Transactions

  • Loan application data

  • Account balances and payment history

  • Servicing records

c. Information from Third Parties

  • Credit reports and scores from consumer reporting agencies (subject to FCRA)Verification of employment, income, and assets

  • Property appraisals and title reports

  • Fraud prevention and identity verification services

d. Information Collected Automatically (Online)

  • IP address, browser type, device identifiers

  • Website usage data via cookies and tracking technologies

2. Permitted Uses of Information

We use your information as permitted by law, including to:

  • Evaluate eligibility for reverse mortgage products, including HECMs

  • Process, underwrite, fund, and service mortgage loans

  • Verify identity and prevent fraud, elder financial abuse, and unauthorized transactions

  • Comply with HUD, FHA, and other federal and state regulatory requirements

  • Report to credit bureaus as required under FCRA

  • Conduct quality control, audits, and risk management

  • Communicate with you regarding your application, loan, or servicing

  • We do not use your NPI for purposes that are not permitted by law without providing required notices and opt-out rights.

3. Disclosure of Information

We may disclose your NPI only as permitted or required by law, including:

a. Service Providers and Contractors

  • Third parties that perform services on our behalf (e.g., loan processing, underwriting, document preparation, servicing, data hosting). These parties are contractually obligated to maintain confidentiality and safeguard information.

b. Financial Institutions and Secondary Market Participants

  • Investors, warehouse lenders, and entities involved in loan sale, securitization, or servicing transfers.

c. Government and Regulatory Authorities

  • HUD, FHA, state regulators, and other agencies as required for compliance, reporting, or examination.

d. Consumer Reporting Agencies

  • As permitted under FCRA.

e. Legal and Compliance Disclosures

  • When required by subpoena, court order, or applicable law, or to protect against fraud, unauthorized transactions, or legal liability.

We do not sell your nonpublic personal information.

4. Confidentiality and Security (GLBA Safeguards)

We maintain a comprehensive written information security program designed to:

Ensure the security and confidentiality of NPI

  • Protect against anticipated threats or hazards

  • Protect against unauthorized access or use

Safeguards include administrative, technical, and physical controls such as:

  • Encryption of sensitive data in transit and at rest

  • Access controls and role-based permissions

  • Employee training and confidentiality obligations

  • Vendor risk management procedures

5. Cookies and Online Tracking

Our website may use cookies, pixels, and analytics tools to:

  • Maintain session integrity and security

  • Analyze website performance

  • Improve user experience

  • You may control cookies through your browser settings.

* Disabling cookies may affect functionality.

6. Retention of Information

We retain NPI for as long as necessary to:

  • Fulfill the purposes for which it was collected

  • Comply with HUD/FHA servicing and recordkeeping requirements

  • Satisfy legal, regulatory, tax, and audit obligations

  • Resolve disputes and enforce agreements

* Retention periods may extend beyond the life of the loan as required by law.

7. Consumer Rights

Federal Rights (GLBA & FCRA):

  • Right to receive privacy notices

  • Right to limit certain sharing (where applicable)

  • Right to dispute inaccurate credit information

California Residents (CCPA/CPRA):

Subject to verification, you may have the right to:

  • Request access to personal information collected about you

  • Request deletion of certain personal information

  • Request correction of inaccurate information

  • Limit use of sensitive personal information (where applicable)

  • Opt out of “sharing” for cross-context behavioral advertising (if applicable)

We will not discriminate against you for exercising your rights.

To exercise your rights, contact us using the information below.

8. Reverse Mortgage-Specific Disclosures

For HECM loans:

  • Borrowers are required to complete independent HUD-approved counseling prior to application

  • We may share necessary information with HUD-approved counseling agencies to facilitate compliance

  • Loan data may be reported to HUD and FHA systems for insurance, servicing, and oversight purposes

9. Do Not Track Signals

Our website does not currently respond to “Do Not Track” browser signals due to the lack of a consistent industry standard.

10. SMS Privacy

Mobile information will not be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data can consent; this information will not be shared with any third parties.

11. Children’s Privacy

We do not knowingly collect information from individuals under 18. If we become aware that a child has submitted personal information without parental consent, we will take steps to delete that information from our servers. If you are a parent or guardian and are aware that your child has provided us with personal data, please contact us.  

12. Updates to This Policy

We may revise this Privacy Policy from time to time. Updated versions will be posted with a revised effective date. 

13. Notice to Customers (GLBA)

This Privacy Policy serves as our annual privacy notice under GLBA. We will provide updates as required by law if our information-sharing practices change.

14. NMLS & Licensing Disclosures

Access Home Lending complies with applicable state and federal licensing requirements.

  • Nationwide Multistate Licensing System (NMLS):Access Home Lending is registered with the Nationwide Multistate Licensing System & Registry (“NMLS”).

  • NMLS ID: 2625502

  • Loan Originator Licensing: Individual mortgage loan originators employed by Access Home Lending are licensed through the NMLS and may be subject to state-specific licensing requirements. You may verify licensing status at: https://www.nmlsconsumeraccess.org

  • Equal Housing Opportunity: Access Home Lending is an Equal Housing Opportunity lender. We do not discriminate based on race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), receipt of public assistance, or the exercise of any right under the Consumer Credit Protection Act.

  • State Licensing Disclosures: Licensing and regulatory information may vary by state. A complete list of state licenses and disclosures will be provided upon request or made available on our website.

  • Texas Residents (if applicable):Consumers wishing to file a complaint against a mortgage company or licensed residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending.

  • California Residents (if applicable):Access Home Lending is licensed by the California Department of Financial Protection and Innovation (DFPI) under the California Residential Mortgage Lending Act (CRMLA) or California Financing Law (CFL), as applicable.

  • California License Number: 60DBO-198608 | 41DFPI-210279

15. Contact Information

For questions, requests, or notices regarding this Privacy Policy:

Access Home Lending

23832 Rockfield Blvd

Suite 235, Lake Forest

CA 92630

(800) 503-8125

digital@accesshl.com

16. Acknowledgment

By submitting information to Access Home Lending or using our services, you acknowledge receipt of this Privacy Policy.