Privacy Policy

1st Alliance Mortgage, LLC

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

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 do not send unsolicited marketing text messages. SMS communications are primarily transactional and related to your loan inquiry, application, or account.

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 forms, loan application, 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

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, or through direct communication with our team.

By providing your mobile number and opting in, 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 assistance, you may also contact us at:

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

Third-Party Messaging Providers

We may use third-party messaging providers, including secure platforms such as Twilio, to deliver 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 opt-in data or SMS consent information will be shared with third parties or affiliates for marketing or promotional purposes.

Mobile phone numbers and SMS consent data are used only to communicate with you and may be shared only with service providers necessary to deliver those communications.

We do not sell, rent, or share mobile numbers or SMS consent data with third parties for their own marketing purposes.

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 interaction data

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

• Improve site performance
• Personalize user experience
• Detect security issues
• Evaluate website effectiveness

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

Security

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

• Encryption of data in transit where applicable
• Secure document upload systems
• Access controls for employees and vendors
• Regular monitoring and security reviews
• Vendor oversight aligned with GLBA standards

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

Information Retention

We retain personal information, including SMS consent records, as required by federal and Texas law for mortgage recordkeeping, compliance, auditing, and operational purposes.

When information is no longer required, it is securely disposed of in accordance with applicable regulations.

Changes to This Privacy Policy

We may update this Privacy Policy periodically. Updates will be posted on this page and become effective upon posting.

Contact Us

If you have questions about this Privacy Policy or your information, 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