Privacy Policy

Effective Date: Nov 21st, 2025

At the Ray Campbell Team at Nova Home Loans, your privacy and data security are paramount. We comply with all applicable federal and state lending and real estate laws—including the Gramm–Leach–Bliley Act (GLBA), Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Home Mortgage Disclosure Act (HMDA), Texas Finance Code, and relevant data privacy regulations like CCPA and Texas Consumer Privacy laws.

1. Introduction

At NOVA Home Loans Texas (“we,” “us,” or “our”), we recognize the trust you place in us when you apply for a mortgage, refinance your home, or engage with our services. Protecting your personal information and privacy is a priority. This Privacy Policy explains how we collect, use, share, and safeguard information, and what rights you have under federal laws (such as the Gramm‑Leach‑Bliley Act (GLBA)), and Texas state law (including the Texas SML statutes). It applies to all individuals applying for or obtaining home-loans, refinancing, relocation programs, or other mortgage services via NOVA Home Loans Texas.

‍

2. Scope & Applicability

This policy applies to you if you are:

applying for or obtained a mortgage, home-equity, refinance, or relocation loan through NOVA Home Loans Texas;
a visitor to our website(s) or using our digital tools; or
interacting with us through any channel (phone, in-person, online).

It governs our collection and use of Nonpublic Personal Information (NPI) that we receive in connection with our mortgage lending business. It also covers information we collect online (via web forms, calculators, cookies) and offline (paper applications, phone calls).

‍

3. Definitions

For clarity:

“You” or “your” refers to individuals who apply for loans or use our services.
“Affiliated companies” are entities we control or under common control.
“Non-Affiliated third parties” are companies not related or controlled by us, such as vendors, data processors, or marketing partners.
“Nonpublic Personal Information (NPI)” means personally identifiable financial information that is not publicly available and which you provide to us (e.g., Social Security Number, credit report data).
“Application” means a mortgage or refinance application submitted by you, either online, in-person, or by phone.

4. Information We Collect

4.1 From You

In connection with your mortgage application or online tools (like calculators), we collect:

Identifying information: name, address, email, phone number, date of birth, Social Security Number
Income and employment history
Credit history and scores
Assets and liabilities
Property address, purchase price, loan amount, property value, liens
Information about previous transactions with us
Other information you provide via forms or digital tools

4.2 From Other Sources

We may obtain:

Credit bureau reports
Title and appraisal reports
Public records (e.g., property tax, real-estate transactions)
Automated data from our website (cookies, IP address, device identifiers)

4.3 Website, Mobile & Digital Collection

When you browse our website, use our calculators or submit forms, we collect certain non-identifiable data (e.g., browser type, device ID, IP address, pages visited). Cookies and tracking technologies help us analyse usage and improve our services.

5. How We Use Your Information

We use the collected information to:

Process and underwrite your mortgage or refinance application
Verify your identity, employment, assets and creditworthiness
Service your loan post-closing (if applicable)
Communicate with you about your loan, account status, disclosures or servicing changes
Improve website performance, functionality and user experience
Offer additional mortgage-related or ancillary services if permitted

We will not use your information in a manner inconsistent with the purposes disclosed in this policy or required by law.

6. Information Sharing & Opt-Out Rights

6.1 Within NOVA Home Loans Texas Affiliates

We may share your NPI with affiliated companies (in the NOVA family) for purposes such as fraud prevention, loan servicing, and delivering services.

6.2 With Non-Affiliated Third-Parties

We may share your information with:

Credit reporting agencies
Appraisal, title, escrow service providers
Government agencies or law enforcement when required
Other mortgage lenders/servicers if refinancing or servicer transfer is involved

Under GLBA and Texas regulations, you have the right to opt-out of certain sharing with non-affiliated third parties for marketing offers. To exercise this right, contact us at privacy@novatexasloans.com (or via phone/mail listed below).

6.3 Texas Specific – Origination Disclosure

Pursuant to Texas SML rule § …, if you apply for a loan with us, you must receive certain licensing and complaint-fund disclosures. Where applicable, we will provide a Mortgage Banker or Residential Mortgage Loan Originator Complaint Notice to you.

7. Protection of Your Information

We maintain administrative, physical and technical safeguards to protect NPI consistent with industry standards and legal requirements. These include secure transmission (SSL/TLS), encrypted files, restricted access, monitoring and periodic audits. Although we strive to protect your data, no system is fully immune to risk, and we cannot guarantee absolute security.

8. Data Retention

We retain your information for as long as required by applicable federal or state law, investor guidelines, or until our business purpose is fulfilled. For instance, Texas law may require record retention for up to 3 years after final transaction, or longer for certain mortgage servicing records. After the retention period, information is securely destroyed or anonymized.

9. Cookies, Tracking & Digital Tools

Our website uses cookies, web beacons and analytics tools to enhance your experience, understand site usage and improve performance. These technologies may collect device identifiers, IP addresses, browsing patterns and location‐based data (if you permit). You can disable cookies in your browser, but some functions (like calculators or form pre-fill) may degrade.

10. Children’s Privacy

We do not knowingly solicit or collect personal information from minors under 18. Our website and services are directed at adults who can legally engage in mortgage transactions.

11. Your Rights & Choices

You may:

Access, review or request correction of your personal information held by us (subject to investor/lender limits)
Opt-out of certain sharing for marketing purposes
Request a description of categories of information we have collected, sources, and third-party recipients
For Texas residents: file a complaint with the Texas SML at 2601 North Lamar, Suite 201, Austin, Texas 78705 or call 1-877-276-5550
For U.S. residents in states with enhanced protections (e.g., California CCPA), additional rights may apply

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the revised version on our website with an updated “Last Reviewed” date. Your continued use of our services after such changes indicates your acceptance.

‍

13. Contact Us

Ray Campbell Team at Nova Home LoansBusiness Address: 6245 E. Broadway Blvd, Ste 400, Tucson, AZ 85711
Phone: (800) 955‑9125
Email: privacy@novahomeloans.com

Texas Compliance Contacts:Texas Dept. of Savings & Mortgage Lending
2601 N Lamar Blvd, Ste 201, Austin, TX 78705
Hotline: 1‑877‑276‑5550
Recovery Fund Claims: see sml.texas.gov Nova Financial LLC novahomemortgage.com+8novahomeloans.com+8novahomeloans.com+8

By continuing to submit information or use our services, you acknowledge and accept this policy as of July 21, 2025.

Appendix: Key Disclosures

Nova Home Loans NMLS #3087 operates under Nova Financial & Investment Corp. Licensed in TX, CA, WA. novahomeloans.com+6novahomeloans.com+6novahomeloans.com+6
You can view Nova’s corporate-level Privacy & CCPA notices via site footer links—all apply to your Ray Campbell Team experience.

Equal Housing Opportunity

‍We are an equal housing lender. All loans are subject to qualification and investor approval. Terms and conditions may vary.