1. Who This Policy Applies To
This policy applies to Advanced Funding Solutions Inc. (“Advanced Funding Solutions,” “AFS,” “we,” “us,” or “our”), its website at advancedfundingsolutions.com, and any borrower, prospective borrower, or website visitor whose information is collected through the site, telephone, email, or the online loan application portal. Advanced Funding Solutions is a mortgage brokerage. Underwriting, funding, and final lending decisions are performed by approved wholesale lenders and government-program authorities (HUD/FHA, the U.S. Department of Veterans Affairs).
2. Information We Collect
The categories of information Advanced Funding Solutions may collect depend on how a visitor interacts with the brokerage. They include:
- Identification and contact information — name, address, email address, telephone number, date of birth, and government-issued identification numbers (such as Social Security number or ITIN) when needed to evaluate a mortgage application.
- Financial and credit information — income, employment, asset, liability, property, and credit-history information provided directly by the borrower, supplied by the borrower’s employer or financial institutions with consent, or received from consumer reporting agencies during the formal application process.
- Transaction information — details related to a specific loan inquiry or application, including loan amount requested, property type, occupancy, and program of interest.
- Website and technical information — IP address, device type, browser type, pages visited, referring URL, and similar data collected automatically through cookies, pixels, and analytics tools.
- Communications — the content of email, telephone, text, and online-form messages exchanged between the borrower and Advanced Funding Solutions.
3. How We Use Information
Advanced Funding Solutions uses borrower information for purposes including:
- Evaluating a loan inquiry and determining which wholesale-lender programs may be appropriate.
- Submitting a complete mortgage application to one or more approved wholesale lenders.
- Verifying the accuracy of information, including ordering credit reports, appraisals, title searches, and similar diligence reports during the formal application process.
- Communicating with the borrower about the status of an inquiry, application, or closing.
- Complying with applicable federal and state laws and regulations, including those administered by the Nationwide Multistate Licensing System (NMLS), the California Department of Financial Protection and Innovation (DFPI), the California Department of Real Estate (DRE), the U.S. Consumer Financial Protection Bureau (CFPB), and other regulators with jurisdiction over mortgage brokerage activity.
- Improving the website, marketing relevant loan programs, and analyzing site usage.
- Preventing fraud, protecting account security, and enforcing applicable terms.
4. How We Share Information — GLBA Financial-Privacy Disclosure
As a mortgage brokerage subject to the Gramm-Leach-Bliley Act (GLBA), Advanced Funding Solutions may share borrower nonpublic personal information with the following categories of recipients in order to process and fund a mortgage loan:
- Wholesale lenders and investors reviewing the borrower’s file for underwriting and funding consideration.
- Service providers performing functions on the brokerage’s behalf, including credit reporting agencies, appraisal management companies, title and escrow companies, document custodians, e-signature platforms, mortgage loan-origination software providers, and similar vendors bound by confidentiality obligations.
- Government agencies and regulators, including HUD/FHA, the U.S. Department of Veterans Affairs, the NMLS, DFPI, DRE, CFPB, and any other governmental authority entitled to receive the information by law, regulation, subpoena, court order, or legal process.
- Professional advisors such as attorneys, accountants, and auditors retained by Advanced Funding Solutions.
- Successors in interest in connection with a corporate merger, acquisition, reorganization, or sale of assets, where the recipient agrees to honor the terms of this policy.
Advanced Funding Solutions does not sell borrower nonpublic personal information for monetary consideration to unaffiliated third parties for those parties’ own marketing purposes.
5. California Consumer Privacy Act (CCPA) Rights
California residents have rights under the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act (collectively, “CCPA”). To the extent the CCPA applies to information collected through this website (information collected solely to evaluate or process a mortgage loan is generally exempt under GLBA), California residents may have the right to:
- Know the categories and specific pieces of personal information Advanced Funding Solutions has collected, the sources of that information, the business purposes for which it was collected, and the categories of third parties with which it has been shared during the prior twelve months.
- Request deletion of personal information collected from the resident, subject to exceptions provided in the CCPA (including the obligation to retain loan-application records).
- Correct inaccurate personal information that Advanced Funding Solutions maintains about the resident.
- Opt out of any sale or sharing of personal information for cross-context behavioral advertising, to the extent such activity occurs.
- Be free from discrimination for exercising any CCPA right.
To submit a verifiable consumer request, contact Advanced Funding Solutions using the information in Section 11. Identity verification is required before any request is processed in order to protect sensitive financial information.
6. Cookies, Analytics, and Online Tracking
This website uses cookies, pixels, and similar technologies to provide site functionality, measure website performance, and understand how visitors use the site. Cookie data may be processed by analytics providers (such as Google Analytics) and advertising networks. Most browsers allow visitors to refuse or delete cookies through browser settings. Disabling cookies may limit certain site functions.
7. Third-Party Websites and Lender Portals
This website contains links to third-party websites, including the online loan-application portal at 1277693.my1003app.com, the NMLS Consumer Access portal, wholesale-lender websites, and other resources. Advanced Funding Solutions is not responsible for the privacy practices of any third-party site. Visitors are encouraged to review the privacy policy of any third-party site before submitting information through it.
8. Data Security
Advanced Funding Solutions maintains reasonable administrative, technical, and physical safeguards designed to protect the confidentiality, integrity, and availability of borrower information, consistent with the requirements of the Gramm-Leach-Bliley Safeguards Rule. No method of electronic transmission or storage is completely secure, however, and Advanced Funding Solutions does not warrant absolute security of any information transmitted to or from this website.
9. Information Retention
Mortgage loan-application records, supporting documentation, and related communications are retained for the periods required by applicable federal and state laws and regulations, including those administered by the CFPB, HUD, the DFPI, the DRE, and the NMLS. Information collected through the website that is not associated with a loan application is retained for the period reasonably necessary to support the purposes for which it was collected.
10. Children’s Privacy
This website is not directed to children under thirteen years of age, and Advanced Funding Solutions does not knowingly collect personal information from children under thirteen. A parent or guardian who believes that a child under thirteen has submitted information through this site is asked to contact Advanced Funding Solutions so the information can be deleted.
11. Contact
Questions about this privacy policy, requests for additional information, or California Consumer Privacy Act requests may be directed to:
Advanced Funding Solutions Inc.
NMLS #1277693
Email: loans@advancedfundingsolutions.com
Phone: (818) 478-2555
License verification: NMLS Consumer Access
12. Updates to This Policy
Advanced Funding Solutions may update this privacy policy from time to time. The “Last updated” date at the top of this page reflects the date of the most recent revision. Continued use of this website after a revision constitutes acceptance of the updated policy.
Advanced Funding Solutions, NMLS #1277693. Mortgage broker licensed in California. This privacy policy describes information practices and is not a contract or an offer of credit. All loans are subject to credit, income, asset, property, and underwriting approval by the funding lender.