We collect only the personal information we need to help you with mortgage options and transactions, and we use that information to deliver our services securely and transparently. This policy explains what we collect, why we collect it, how we store it, and how you can review or remove your information. Ben Bell, Mortgage Broker, NMLS #1450064, serves clients in Atlanta and surrounding communities and partners with UMortgage, NMLS 1457759. We operate as an Equal Housing Opportunity Lender.
What information we collect
We collect information you provide directly and information collected automatically when you use our website or communicate with our team.
Information you provide
When you fill out a contact form, apply for preapproval, send documents, or communicate with us, we may collect:
- Identifiers such as name and date of birth
- Contact information such as email and mailing address
- Financial details needed to evaluate loan options, including income and asset information
- Employment and property information relevant to a loan request
- Documents you upload to support an application
Information collected automatically
When you visit our site we may collect technical data to improve the site and to protect against fraud. That data can include your IP address, browser type, device information, and pages visited.
How we use information
We use personal information to evaluate mortgage options, coordinate loans with lenders, communicate next steps, and comply with legal obligations.
- To review loan eligibility and assemble loan packages
- To communicate about your application and timelines
- To verify identity and prevent fraud
- To comply with federal and state lending rules
- To improve our website and client service
Cookies and tracking
We use cookies and similar technologies to make the website work, to remember preferences, and to gather analytics that help improve content and navigation.
You can control cookies through your browser settings. Turning off certain cookies may limit site features or the ability to submit forms.
Sharing with third parties
We share information only with parties needed to complete mortgage services, to comply with the law, or to protect rights.
- Lenders and underwriters involved in your loan
- Title companies and appraisal services when required for a transaction
- Service providers who host or secure our systems
- Law enforcement or regulators when required by law
When we share data with service providers, we require contractual protections to restrict use and to keep data secure.
How long we keep information
We retain personal information only as long as needed to serve you, to satisfy legal and regulatory obligations, and to defend legal claims. Retention periods vary by document type and legal requirement.
Your choices and rights
You have rights to review, correct, or request deletion of personal information we maintain. You can also opt out of nonessential communications.
To exercise these rights, please use the contact form on our website or our Google Business Profile. We respond to verifiable requests in a timely way and may ask for identity verification before making changes.
Pro tip: Keep copies of documents you submit. That makes it easier to verify information and speeds any access or correction requests.
Security
We maintain administrative, technical, and physical safeguards intended to protect personal information. No system is perfectly secure, but we review our controls to reduce risk and to follow industry practices for mortgage and financial information.
Key takeaway
We collect only the information needed to support mortgage services, we share it only with trusted partners for loan processing, and you can review or request removal through the contact options on our site or our Google Business Profile.
Children and sensitive information
Our services are for adults 18 and older. We do not knowingly collect personal information from children. We also avoid collecting sensitive categories of personal data unless you provide them voluntarily and they are necessary for a loan process.
Policy changes
We may update this policy to reflect changes in law or business practices. When we do, we will post the revised policy on this site. Substantive changes will be highlighted so you can review them.
Frequently asked questions
What information do you need to start a mortgage application?
We typically need identifiers, income and employment details, asset and liability information, and property data when applicable. Exact requirements depend on the loan type and your situation.
How do you protect my financial documents?
We limit access to authorized staff and partners, use secure transmission methods, and store documents on systems with encryption and access controls consistent with industry practice.
How can I request access or deletion of my personal information?
Use the contact form on our website or reach out through our Google Business Profile to submit a verifiable request. We will explain the process and any identity checks needed to protect your privacy.
Do you share information with lenders and real estate partners?
Yes, when necessary to process a loan we share data with lenders, title companies, appraisal services, and other parties involved in a transaction. We limit data shared to what is required to complete the service.
Find our profile and more information
Read customer reviews and get directions on our Google Business Profile. Learn more about our services and team on other pages of this site.