Privacy policy

Who this covers

This policy applies to josecastilloloans.com, operated by Jose Castillo, a licensed mortgage loan originator (NMLS #2654997) in New Jersey. It explains what this site collects, why, and what happens to it.

What is collected

Only what you type into a form on this site and submit — the short form on the homepage or the longer questionnaire. Depending on which you use, that can include:

• Your name, email address and phone number
• The state the property is in, and your preferred contact time
• Whether you are buying or refinancing, and your timeline
• Estimated home price, down payment, home value, loan balance or current rate
• Anything you write in the optional notes field
• If you arrived from an ad or email link: the campaign tags in that link (utm_ parameters) and which version of the homepage headline you saw

Those figures are estimates you provide about a property. No credit check is performed by this website, and submitting the questionnaire does not affect your credit score.

What is deliberately not collected

This site does not ask for your Social Security number, date of birth, credit score, income, employer, or any bank or account number — and you should never enter them here. Questions about income, employment and credit were removed from this questionnaire in August 2026 for exactly that reason.

This site also uses no advertising trackers, no analytics cookies and no marketing pixels. Nothing you type is stored on this website itself.

How your information is used

Your answers are emailed directly to Jose Castillo so he can follow up about your home loan or refinance enquiry, answer questions and discuss options that may fit your situation. That is the only purpose.

By checking the consent box and submitting the form you agree to be contacted by call, text or email about your enquiry, which may include automated technology. Consent is not a condition of any loan or purchase. You can opt out at any time by replying STOP to a text, or by asking to be removed by phone or email.

Who it is shared with

Your information is never sold, rented or traded. It is not shared with lead buyers, marketing lists or unrelated third parties.

Form submissions are delivered through Formspree, a form-processing service that transmits the message to Jose Castillo's inbox. Information may also be shared with the sponsoring mortgage company and, if you choose to move forward, with lenders, underwriters or service providers required to process an actual loan application — but only with your knowledge as part of that process, or where required by law.

Security

This site is served over an encrypted HTTPS connection, and form submissions are transmitted encrypted. No method of transmission over the internet is perfectly secure, so please do not send sensitive identifiers such as Social Security or account numbers through this form.

Your choices

You may request a copy of the information you submitted, ask for it to be corrected, or ask for it to be deleted. Call (973) 830-9502 and the request will be honoured promptly.

Submitting this questionnaire is entirely voluntary and is not a loan application.

Children

This site is intended for adults seeking mortgage financing and is not directed to anyone under 18. Information is not knowingly collected from children.

Changes and contact

If this policy changes, the updated version is posted here with a new date.

Jose Castillo · Mortgage Loan Originator · NMLS #2654997
Phone: (973) 830-9502