PRIVACY POLICY

Our Commitment to Your Privacy

At Home Loans Network, customer service, integrity, and trust are at the core of everything we do. As we continue to grow, expand, and enhance our services, we understand how important it is for our customers to protect their privacy and maintain confidentiality. Safeguarding your personal information—especially financial and credit-related data—is a responsibility we take seriously.

This Privacy Policy explains how we collect, use, protect, and disclose your nonpublic personal information. This Statement affirms our ongoing commitment to maintaining industry-standard safeguards to secure your information.


Who We Are

Home Loans Network is an independent mortgage marketing and education platform powered by Morty (NMLS #1429243) and Loan Factory, Inc. (NMLS #320841).
We are not a lender and do not make credit decisions, issue loan commitments, or fund loans. All loan products, approvals, underwriting, terms, and disclosures are handled exclusively by Morty, Loan Factory, Inc., and/or their licensed lending partners.

Home Loans Network is led by Mortgage Loan Originator Ebonie Beaco (NMLS #2389954), who provides mortgage education, guidance, and assistance throughout the loan discovery process.


Information We Collect

To provide mortgage education, guidance, and services, we may collect nonpublic personal information from the following sources:

1. Information You Provide Directly

This includes details submitted through our website, online forms, email communication, telephone conversations, face-to-face meetings, or other interactions.

Examples include:

  • Name, address, email, and telephone number
  • Social Security number
  • Employment information
  • Income details
  • Financial history, assets, liabilities
  • Credit-related data you voluntarily provide
  • Any other information necessary to pre-qualify or guide you through mortgage options

2. Information About Your Transactions

We may collect information regarding your interactions with Home Loans Network, Morty, Loan Factory, Inc., or their affiliated lenders.

Examples include:

  • Payment or communication history
  • Loan information shared during consultation
  • Account or application activity (as permitted)

3. Information From Consumer Reporting Agencies

When preparing you for a mortgage application, we may receive limited information from partner lenders or credit agencies (as authorized by you).

Examples include:

  • Credit score
  • Credit reports
  • Indicators of creditworthiness

4. Information Provided by Employers or Third Parties

With your authorization, employers and financial institutions may verify details you have provided.

Examples include:

  • Verification of employment or deposits
  • Income confirmation

How We Use Your Information

The information collected is used solely for the purpose of:

  • Delivering mortgage education, consultation, and marketing services
  • Providing accurate guidance about loan programs
  • Preparing you for a potential application with Morty, Loan Factory, Inc., or affiliated lenders
  • Communicating updates, resources, and support
  • Complying with legal, regulatory, or compliance requirements

Your information is not sold, rented, or shared with unauthorized third parties.


Information We Disclose

Home Loans Network may disclose your information only under the following circumstances:

  • To Morty, Loan Factory, Inc., or their affiliated licensed lenders, as necessary for pre-qualification, consultation, or loan-related processes you request
  • To service providers or related entities assisting in delivering our services
  • When required by law, regulation, court order, or governmental authority
  • With your explicit consent

Your information is always handled with strict confidentiality. Internally, only authorized personnel may access your information under controlled and secure protocols.


Data Security & Confidentiality

We maintain administrative, technical, and physical safeguards consistent with industry standards to:

  • Protect against unauthorized access
  • Preserve data accuracy
  • Ensure proper use of information

Our employees follow strict confidentiality and data protection policies to safeguard client information at all times.


Data Retention

Your personal information is retained only for the duration necessary to respond to your inquiry, deliver requested services, or comply with regulatory obligations. Information is not stored longer than required.


Consent to Data Transmission

By submitting information on our website, you expressly consent to the collection, processing, and transmission of your data for the purposes described in this Privacy Policy.


External Websites & Links

Our website may contain links to external sites not governed by this Privacy Policy.
We are not responsible for the privacy practices or content of those third-party websites. Users should review each external site's policies before providing personal information.


Updates to This Policy

We reserve the right to add, modify, or delete portions of this Privacy Policy at any time. Any changes will be posted on this page with the updated revision date.


Contact Information

For questions regarding this Privacy Policy or how your information is used, please contact:

Home Loans Network
Email: Marketing@HomeLoansNetwork.com
Phone: 312-392-0664
Website: www.HomeLoansNetwork.com

Mortgage Loan Originator: Ebonie Beaco, NMLS #2389954
Platform Powered by: Morty (NMLS #1429243) & Loan Factory, Inc. (NMLS #320841)