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 information this site collects, why, and what is done with it.

What is collected

The only information collected is what you type into the questionnaire and submit. Depending on the path you take, that can include:

• Your name, email address, and phone number
• The state your property is in, and your preferred contact time
• Whether you are buying or refinancing, and your timeline
• Estimated home price, down payment, home value, or loan balance
• Estimated annual income, employment type, and a self-reported credit range
• Anything you write in the optional notes field

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

What is not collected

This site does not use advertising trackers, analytics cookies, or third-party marketing pixels. It does not ask for your Social Security number, date of birth, or bank account or card details — never enter those here. 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 inquiry, answer questions, and discuss loan options that may fit your situation. That is the only purpose.

By submitting the form you consent to be contacted by phone, email, or text about your inquiry. 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. Contact Jose Castillo at (973) 830-9502 and the request will be honored 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 will be posted here with a new date.

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