Privacy Policy

1. Introduction

JUhomeloan Advising (“we,” “us,” or “our”), operated by Jacob Underhill (NMLS #2386602), is a licensed mortgage broker. This Privacy Policy describes how we collect, use, disclose, and safeguard the personal and financial information you provide when you visit juhomeloanadvising.com (the “Site”) or engage our mortgage brokerage services.

This policy is provided in accordance with the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act (CCPA), and other applicable federal and state privacy laws. Please read it carefully. By using our Site or services, you consent to the practices described in this policy.

2. Information We Collect

To evaluate and process a mortgage application, we may collect the following categories of information:

3. How We Use Your Information

We use the information we collect for the following purposes:

• Loan Processing: To evaluate your eligibility and process your mortgage application through lenders, wholesale partners, and the Arive LOS platform.
• Credit Inquiries: To obtain your credit report from one or more credit bureaus (Equifax, Experian, TransUnion) as authorized by you.
• Regulatory Compliance: To comply with federal and state lending laws including RESPA, TILA, HMDA, and the Equal Credit Opportunity Act (ECOA).
• Service Communications: To contact you about your application, rate changes, loan status updates, or follow-up inquiries.
• Marketing (with consent): To send newsletters or promotional content about mortgage products. You may opt out at any time.
• Site Improvement: To analyze traffic patterns and improve user experience.

4. How We Share Your Information

As a mortgage broker, we submit your information to third parties necessary to originate and close your loan. We do not sell your personal information to data brokers or unaffiliated marketers. Sharing occurs in the following contexts:

• Lenders and Wholesale Partners: Banks, credit unions, and mortgage companies to whom we submit your loan application.
• Service Providers: Appraisers, title companies, escrow agents, flood certification vendors, and technology platforms (including Arive LOS) that process data on our behalf under confidentiality agreements.
• Credit Reporting Agencies: To obtain and report credit information as permitted by the Fair Credit Reporting Act (FCRA).
• Government Entities: Federal agencies (e.g., FHA, VA, USDA, Fannie Mae, Freddie Mac) as required for government-backed loan programs.
• Legal Obligations: When required by court order, subpoena, or applicable law.
• Business Transfers: In connection with a merger, acquisition, or sale of business assets, subject to confidentiality protections.

5. Data Security

We implement commercially reasonable administrative, technical, and physical safeguards to protect your nonpublic personal information (NPI) from unauthorized access, use, or disclosure. These measures include encrypted data transmission (TLS/SSL), access controls, and secure document handling.

However, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security. If you suspect a data breach affecting your information, please contact us immediately at Jacob@harmonyhomeloans.net.

6. Cookies and Tracking Technologies

Our Site uses cookies and similar technologies to enhance your browsing experience and collect analytics data. Cookies are small text files stored on your device. We use:

• Strictly Necessary Cookies: Required for the Site to function (session management, security tokens).
• Analytics Cookies: Vercel Analytics and similar tools to understand visitor behavior in aggregate.

You may control cookie preferences through your browser settings. Disabling cookies may affect site functionality.

7. California Residents — CCPA Rights

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA), subject to certain exceptions for personal information collected in connection with a consumer financial transaction:

• Right to Know: Request disclosure of the categories and specific pieces of personal information we have collected about you.
• Right to Delete: Request deletion of your personal information, subject to legal retention requirements.
• Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.
• Do Not Sell My Personal Information: We do not sell personal information to third parties.

To exercise your rights, contact us at Jacob@harmonyhomeloans.net. We will respond within 45 days.

8. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us to have it removed.

9. Data Retention

We retain personal and financial information for as long as required to fulfill the purposes described in this policy and to comply with applicable legal, regulatory, and recordkeeping obligations. Mortgage records are typically retained for a minimum of three (3) years after loan closing or application withdrawal, and in some cases longer as required by federal or state law.

10. Third-Party Links

Our Site may contain links to third-party websites (such as the Arive loan application portal or external lender sites). We are not responsible for the privacy practices of those sites. We encourage you to review the privacy policies of any third-party site you visit.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will post the revised policy on this page with an updated “Last Updated” date. Your continued use of the Site or our services after any changes constitutes acceptance of the updated policy.

12. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact: