Privacy Policy

Last updated: June 25, 2026

Standard Mortgage Capital, LLC dba House of Mortgage ("House of Mortgage," "we," "us," or "our") respects your privacy and is committed to protecting your information through our compliance with this Privacy Policy. This policy describes the types of information we may collect from you or that you may provide when you visit houseofmtg.com (our "Website"), and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This policy applies to information we collect on this Website; in email, text, and other electronic messages between you and this Website; through video interactions; through mobile and desktop applications you download from this Website; and when you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy. It does not apply to information collected by us offline or through any other means, or by any third party, including through any application or content that may link to or be accessible from the Website.

Please read this policy carefully. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this Privacy Policy. This policy may change from time to time; your continued use of this Website after we make changes is deemed to be acceptance of those changes.

Children Under the Age of 18

Our Website is not intended for children under 18 years of age. No one under age 18 may provide any information to or on the Website. We do not knowingly collect personal information from children under 18. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us at info@houseofmtg.com.

Information We Collect About You and How We Collect It

We collect several types of information from and about users of our Website, including information:

• by which you may be personally identified, such as name, postal address, email address, telephone number, date of birth, and Social Security number ("personal information");
• that is necessary to evaluate a loan request, such as income, employment, assets, liabilities, credit history, and property information;
• that is about you but individually does not identify you, such as demographic information we are required to collect under federal law (including the Home Mortgage Disclosure Act); and
• about your internet connection, the equipment you use to access our Website, and usage details.

We collect this information directly from you when you provide it to us; automatically as you navigate through the site (including usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies); and from third parties, such as credit reporting agencies, verification services, and our business partners.

Information You Provide to Us

The information we collect on or through our Website may include information that you provide by filling in forms (including a loan application or rate inquiry), records and copies of your correspondence if you contact us, your responses to surveys, details of transactions you carry out through our Website, and your search queries on the Website.

Automatic Data Collection Technologies

As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including details of your visits (traffic data, location data, logs, and other communication data) and information about your computer and internet connection (IP address, operating system, and browser type). The technologies we use may include cookies, flash cookies, and web beacons. You can refuse to accept browser cookies by activating the appropriate setting on your browser; however, if you do so, some parts of the Website may be inaccessible or not function properly.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information, to present our Website and its contents to you; to provide you with information, products, or services that you request from us; to evaluate and process a loan request; to fulfill any other purpose for which you provide it; to carry out our obligations and enforce our rights; to notify you about changes to our Website or any products or services we offer; to allow you to participate in interactive features on our Website; and in any other way we may describe when you provide the information or with your consent.

By submitting information through the Website, you agree that House of Mortgage may share information about you, including your contact and loan scenario details, with mortgage lenders, mortgage brokers, settlement service providers, and government agencies as necessary to process your request and as required by law.

Disclosure of Your Information

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction. We may disclose personal information to our subsidiaries and affiliates; to contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential; to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets; to fulfill the purpose for which you provide it; for any other purpose disclosed by us when you provide the information; and with your consent. We may also disclose your personal information to comply with any court order, law, or legal process, including responding to any government or regulatory request; to enforce our Terms of Use; or if we believe disclosure is necessary to protect the rights, property, or safety of House of Mortgage, our customers, or others.

Our privacy practices with respect to nonpublic personal information of consumers and customers are further governed by the Gramm-Leach-Bliley Act and our GLBA Privacy Notice, which is provided to applicants at the time of application.

Choices About How We Use and Disclose Your Information

• Tracking technologies and advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent.
• Promotional offers from us. If you do not wish to have your contact information used by us to promote our own or third parties' products or services, you can opt out by sending us an email at info@houseofmtg.com or by following the unsubscribe instructions in any promotional email.
• Text messages. See our SMS Policy for how to opt in or out of text messaging.

Residents of California may have additional rights. See our CA Privacy Policy.

Data Security

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls. Any financial or application information will be encrypted using SSL technology in transit. The safety and security of your information also depends on you; where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. Unfortunately, the transmission of information via the internet is not completely secure, and we cannot guarantee the security of your personal information transmitted to our Website.

Changes to Our Privacy Policy

It is our policy to post any changes we make to our Privacy Policy on this page. The date the Privacy Policy was last revised is identified at the top of the page. You are responsible for periodically visiting our Website and this Privacy Policy to check for any changes.

Contact Information

To ask questions or comment about this Privacy Policy and our privacy practices, contact us at: