Privacy Policy

Who We Are

Florida Homes & Loans Inc. is a Florida-licensed real estate brokerage. Mortgage financing services are offered through FHL Mortgages, NMLS #2295908.

Real estate brokerage services are offered through Florida Homes & Loans Inc. Mortgage financing services are offered through FHL Mortgages. Real estate licensees are not licensed mortgage loan originators unless separately licensed and authorized.

Information We Collect

In the course of providing real estate and mortgage-related services, we may collect personal information from consumers through applications, forms, websites, email communications, telephone conversations, text messages, face-to-face meetings, and third-party sources.

Information collected may include your name, address, telephone number, email address, date of birth, Social Security Number, driver's license information, employment information, income information, asset information, banking information, credit history, credit reports, property information, transaction history, and other information necessary to facilitate real estate transactions or mortgage financing.

In connection with mortgage financing activities, we may collect additional information including tax returns, W-2 forms, pay stubs, bank statements, retirement account statements, business financial records, credit scores, credit reports, loan application information, and other financial information necessary to evaluate eligibility for mortgage financing.

We may also receive information from consumer reporting agencies, employers, financial institutions, title companies, settlement agents, service providers, government agencies, and other third parties involved in a real estate or mortgage transaction.

How We Use Information

Florida Homes & Loans uses personal information to provide real estate brokerage services, mortgage brokerage services, loan origination assistance, transaction coordination, customer support, compliance monitoring, fraud prevention, identity verification, regulatory reporting, and other services requested by consumers.

Information may also be used to communicate with consumers regarding transactions, respond to inquiries, improve our services, comply with legal and regulatory obligations, prevent fraud, protect consumer information, and maintain business records.

How Information May Be Shared

We may share information with lenders, investors, loan processing providers, title companies, settlement agents, appraisal management companies, credit reporting agencies, compliance providers, technology vendors, cloud storage providers, payroll providers, website hosts, analytics providers, government agencies, regulators, auditors, and other parties as reasonably necessary to process transactions, provide requested services, comply with legal obligations, prevent fraud, protect consumer information, or support business operations.

We do not sell personal information for monetary consideration.

By submitting information through our website, applications, forms, portals, or other communication channels, you consent to the collection, use, storage, and transmission of your information as described in this Privacy Policy.

Nonpublic Personal Information

Florida Homes & Loans and FHL Mortgages recognize the importance of protecting Nonpublic Personal Information ("NPI"). We maintain administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction.

Access to consumer information is restricted to employees, contractors, and service providers who have a legitimate business need to access such information in connection with providing services, processing transactions, fulfilling legal obligations, or supporting Company operations.

Mortgage and Financial Privacy

For mortgage-related inquiries, pre-qualifications, pre-approvals, and loan applications, additional privacy rights and disclosures may apply under federal and state law. Where required, privacy notices will be provided in connection with financial products and services.

Consumer credit information obtained in connection with mortgage financing is used solely for legitimate business purposes including underwriting, qualification, fraud prevention, transaction processing, compliance obligations, and servicing-related activities as permitted by law.

Information Security

Florida Homes & Loans maintains a Written Information Security Program ("WISP") designed to protect consumer information in accordance with the Gramm-Leach-Bliley Act (GLBA), the FTC Safeguards Rule, the Florida Information Protection Act (FIPA), and other applicable laws.

Security measures may include access controls, password protection, multi-factor authentication, encryption, employee training, vendor oversight, monitoring systems, secure file transmission, cybersecurity controls, and incident response procedures. While we utilize commercially reasonable safeguards to protect personal information, no method of transmission or storage can be guaranteed to be completely secure.

Service Providers

We may utilize third-party companies and individuals to facilitate services, provide operational support, host websites, process transactions, manage communications, provide compliance support, maintain technology systems, analyze website usage, and assist with business operations.

Such service providers may have access to personal information solely for the purpose of performing services on our behalf and are expected to maintain appropriate confidentiality and security protections.

Cookies, Analytics, and Log Data

Our website may use cookies, pixels, analytics tools, and similar technologies to improve website functionality, analyze usage trends, enhance user experience, and support marketing efforts.

Information collected automatically may include Internet Protocol (IP) address, browser type, operating system, device information, referral pages, pages visited, dates and times of access, and other usage statistics.

You may choose to disable cookies through your browser settings; however, certain website features may not function properly if cookies are disabled.

Third-Party Links

Our website may contain links to third-party websites, mortgage portals, social media platforms, lenders, vendors, or external services. Florida Homes & Loans is not responsible for the privacy, security, or content practices of third-party websites and encourages users to review the privacy policies of those sites.

Children's Privacy

Our services are not directed toward children under the age of thirteen (13), and we do not knowingly collect personal information from children. If we become aware that personal information has been collected from a child under the age of thirteen, we will take reasonable steps to delete such information.

Record Retention

Florida Homes & Loans retains records in accordance with applicable federal and state laws, investor requirements, regulatory requirements, and Company policies. Personal information may be retained after completion of a transaction when necessary to satisfy legal, compliance, audit, record retention, dispute resolution, fraud prevention, business continuity, or regulatory obligations.

Your Choices

You may contact us to update your contact information, request corrections to information we maintain, inquire about our privacy practices, or opt out of certain marketing communications where permitted by law. Marketing emails may contain an unsubscribe option allowing you to discontinue future marketing communications.

Changes to This Privacy Policy

Florida Homes & Loans may update this Privacy Policy periodically to reflect changes in laws, regulations, business practices, technology, or operational requirements. Updates shall become effective upon posting unless otherwise stated. We encourage users to review this Privacy Policy periodically.