Privacy Policy

At 1st Alliance Mortgage, LLC, your privacy is important to us. We are committed to protecting your personal information and using it responsibly. This Privacy Policy explains how we collect, use, share, and safeguard your information when you interact with our website and related services (“Service”).

By using our website or submitting information to us, you agree to the terms outlined in this Privacy Policy.

Information We Collect

Personal Information

We collect personal information that is necessary to process a mortgage application, evaluate creditworthiness, and provide required disclosures. This includes information you provide directly and information obtained from third-party sources.

Categories of information we may collect include:

• Name, address, email address, phone number
• Social Security number and date of birth
• Income, employment, and asset information
• Bank statements and tax returns
• Credit history and credit report information
• Property address and loan request details
• Information from title companies, insurance providers, and appraisal vendors
• Information about your transactions with us or our partners
• Device, browser, and site usage data collected automatically when you visit our website

We do not knowingly collect information from children under the age of 13.

How We Use Your Information

We use your personal information to:

• Process and underwrite your mortgage application
• Verify identity, employment, income, and assets
• Obtain credit reports and credit scores
• Provide loan estimates, disclosures, and required documents
• Communicate with you regarding your loan, including by phone, email, or SMS/text message when you have provided consent
• Coordinate services with appraisers, title companies, and insurance providers
• Sell or transfer closed loans to investors or servicers
• Comply with federal and Texas regulatory requirements
• Improve website performance, security, and customer experience
• Conduct internal analysis, audits, and quality control

We may also use certain information for permitted marketing activities, such as contacting you about loan programs or services you may qualify for. You may opt out of marketing communications at any time.

We do not sell your personal information.

How We Share Your Information

We may share your information with the following categories of third parties, only as permitted or required by law:

• Credit reporting agencies
• Appraisal management companies
• Title and escrow companies
• Flood certification and verification vendors
• Mortgage insurers, investors, and loan servicers
• Federal or state regulators
• Fraud prevention and identity verification services
• Software and technology providers (including LOS/POS vendors such as Arive, credit vendors, document providers, website hosting services, and SMS delivery platforms such as Twilio)
• Auditors, legal advisors, and compliance consultants
• Government agencies as required for FHA, VA, USDA, or other loan programs

We do not share your information with non-affiliated companies for their own marketing purposes.

SMS / Text Message Communications

If you provide your mobile phone number through our website, loan application, contact forms, or other communication channels, you may opt in to receive SMS/text messages from 1st Alliance Mortgage, LLC related to your mortgage inquiry or loan transaction.

Types of Messages

Text messages may include:

• Loan status updates
• Document requests and reminders
• Appointment confirmations
• Application progress notifications
• Compliance-related notices
• Transactional updates regarding your mortgage file

We do not send unsolicited promotional text messages. Marketing text messages, if sent, are only provided with your separate prior express consent.

Consent to Receive SMS Messages

SMS consent is collected through an affirmative opt-in process, such as checking an unchecked consent box on our website or loan application forms.

By checking the consent box and submitting your mobile number, you expressly agree to receive text messages from 1st Alliance Mortgage, LLC at the number provided.

Consent is not a condition of loan approval or purchase.

Message frequency varies based on your loan activity.
Message and data rates may apply.

Opt-Out Instructions

You may opt out of SMS communications at any time by replying:

STOP – to unsubscribe
HELP – for assistance

After you reply STOP, you will receive a confirmation message and will no longer receive SMS communications unless you re-enroll.

For additional help, contact 1st Alliance Mortgage, LLC at:

Email: [email protected]
Phone: 713-626-5700

You may also opt out by contacting us directly using the contact information below.

Third-Party Messaging Providers

We may use third-party messaging providers, including secure SMS delivery platforms such as Twilio, to transmit text messages you have consented to receive.

These providers process your mobile number solely for the purpose of delivering communications on our behalf and are contractually required to safeguard your information.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. SMS consent and mobile phone numbers collected for SMS communications will not be sold, rented, or shared with third parties for their marketing purposes.

Mobile phone numbers and SMS opt-in data may only be shared with vendors and service providers who assist us in delivering communications on our behalf and who are contractually required to protect your information.

Your Rights Under FCRA

Because we obtain and use your credit information, the Fair Credit Reporting Act (FCRA) provides you with rights, including:

• The right to request a copy of your credit report
• The right to dispute inaccurate information
• The right to be notified if information is used to deny credit or increase loan pricing
• The right to place fraud alerts or security freezes

If you believe information on your credit report is inaccurate, please contact the credit bureau directly.

Cookies and Website Tracking

Our website may automatically collect non-personal information such as:

• IP address
• Browser type and device identifiers
• Pages visited and time spent on our website
• Referring links and site interaction data

We may use cookies, analytics tools, tracking pixels, and similar technologies to:

• Improve site performance
• Personalize content
• Detect security issues
• Evaluate marketing effectiveness

You may disable cookies in your browser settings; however, some website features may not function properly.

Security

We maintain administrative, technical, and physical safeguards to protect your personal information, including:

• Encryption of data in transit when applicable
• Secure document upload systems
• Access controls for employees and vendors
• Regular security audits and monitoring
• Vendor oversight to ensure compliance with GLBA and information security standards

While we use commercially reasonable efforts to protect your data, no method of transmission or electronic storage is completely secure.

Information Retention

We retain information as required by federal and Texas law, generally for the period required for mortgage recordkeeping, quality control, audit, and regulatory compliance. When information is no longer needed, we dispose of it securely.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Updates will be posted on this page and will take effect immediately. We encourage you to review this page periodically.

Contact Us

If you have questions about this Privacy Policy, need to request information, or wish to opt out of marketing communications, please contact us:

1st Alliance Mortgage, LLC
Licensed by the Texas Department of Savings and Mortgage Lending

Website
https://www.1stalliancemortgage.com

Email
[email protected]

Phone
713-626-5700

If you require this policy in an alternative format for accessibility purposes, please contact us.