Privacy Policy

1. Overview

This Privacy Policy explains how Necoechea Mortgage Group, powered by Omega Realty & Lending, Inc. (NMLS #1532157, DRE #1526845), collects, uses, and protects information when you visit this website or contact us through it.

This policy applies to necoechea.mortgage and does not apply to third-party sites we may link to.

2. Information We Collect

We collect information in the following ways:

• Information you provide directly — such as your name, email address, phone number, and any message details when you submit a contact form on this site.
• Loan program interest — the option you select (e.g. "Refinance," "HELOC / Home Equity") when using a contact form.
• Communications you send us — if you email or call us directly, we retain that correspondence.

We do not collect Social Security numbers, income documentation, bank account details, or other sensitive financial information through this website. That kind of information is only ever collected later, directly by Necoechea Mortgage Group, through secure channels appropriate for a mortgage application — never through this public site.

3. How We Use Your Information

We use the information you provide to:

• Respond to your inquiry and follow up about the loan program(s) you're interested in;
• Provide requested rate information, pre-qualification conversations, or general guidance;
• Maintain records of client and prospective client communications; and
• Comply with recordkeeping requirements applicable to licensed mortgage loan originators.

We do not use your information to make automated decisions about your creditworthiness or loan eligibility from this website. Any actual loan decision happens later, through a formal application process with full disclosures.

4. Communications Consent

When you submit a contact form on this site, you may be asked to check a box consenting to be contacted by phone, text, or email, including by automated means, at the number and email you provide. This consent is not a condition of obtaining any product or service from us.

You can revoke this consent at any time by replying "STOP" to a text message, asking to be removed during a phone call, or emailing info@necoechea.mortgage.

5. How We Share Information

We do not sell your personal information. We may share information you provide with:

• Omega Realty & Lending, Inc., our licensed brokerage, as part of normal business operations;
• Service providers who help us operate this website or manage communications (for example, email delivery services), under obligations to protect your information;
• Regulators or legal authorities, if required by law, subpoena, or to protect our rights; and
• Successors, in the event of a merger, acquisition, or sale of business assets.

If and when you move forward with an actual loan application, additional sharing with lenders, title companies, credit bureaus, and other parties involved in mortgage origination will be governed by separate disclosures required at that stage (such as a Loan Estimate and related federal disclosures), not by this website policy.

6. Cookies & Tracking Technologies

This site uses Google Analytics (GA4) to understand how visitors use the site — for example, which pages are viewed and how visitors arrived here. Google Analytics uses cookies and similar technologies to collect this information. We do not use this data to identify you individually, and we do not have live advertising pixels (such as Google Ads or Meta Pixel conversion tracking) active at this time.

On your first visit, a banner asks whether you'd like to accept or decline analytics cookies. Analytics only runs if you accept; declining (or not choosing) keeps analytics storage off.

7. The Payment Calculator

The mortgage payment calculator on this site runs entirely in your browser. The loan amount, interest rate, and term you enter are not transmitted to us, stored, or logged — they exist only temporarily on your device to produce the on-screen estimate.

8. Data Security

We use reasonable administrative and technical safeguards to protect information submitted through this site. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

9. Data Retention

We retain contact form submissions and related correspondence for as long as reasonably necessary to respond to your inquiry, maintain business records, and comply with applicable mortgage industry recordkeeping requirements.

10. Your Privacy Rights (California Residents)

If you are a California resident, the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), gives you certain rights over your personal information, including the right to:

• Know what personal information we have collected about you;
• Request deletion of your personal information, subject to certain exceptions;
• Correct inaccurate personal information; and
• Not be discriminated against for exercising these rights.

We do not sell or "share" (as defined under CPRA) personal information for cross-context behavioral advertising. To exercise any of these rights, contact us using the information in Section 14.

11. Children's Privacy

This website is not directed at children under 13, and we do not knowingly collect personal information from children under 13.

12. Third-Party Links

This site links to NMLS Consumer Access and may link to other third-party sites. We are not responsible for the privacy practices of sites we don't operate.

13. Changes to This Policy

We may update this Privacy Policy from time to time. The "Last updated" date at the top of this page reflects the most recent revision.

14. Contact Us

Questions about this Privacy Policy or your information can be directed to: