LowRate Home Loans, Inc.
Privacy Policy
Effective Date: July 18, 2026
Last Updated: July 18, 2026
Purpose
LowRate Home Loans, Inc. ("LowRate Home Loans," "we," "our," or "us") is committed to protecting the privacy and security of the personal information entrusted to us. This Privacy Policy explains how we collect, use, disclose, safeguard, and retain information collected through www.lowratehomeloans.com, our online forms, mortgage calculators, communications, and related services.
This policy is intended to support compliance with applicable federal and Texas laws, including the Gramm-Leach-Bliley Act (GLBA), where applicable, while also describing our digital marketing practices involving Google Analytics, Google Ads, Meta technologies, CRM systems, RingCentral SMS communications, and our third-party loan application platform (Arive).
Who This Policy Applies To
Visitors to our website, prospective borrowers, existing customers, referral partners using our website, and individuals who communicate with us electronically.
Information We Collect
We may collect:
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Contact information (name, email, phone number, mailing address)
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Mortgage inquiry information voluntarily submitted
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Device, browser, IP address, cookies, and analytics information
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Information submitted through contact forms or quote requests
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Information required to assist with mortgage inquiries.
Formal mortgage applications submitted through Arive are governed by both this policy (for our handling) and Arive's applicable privacy practices.
How We Use Information
We use information to:
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Respond to inquiries
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Evaluate mortgage options
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Communicate regarding requested products and services
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Send SMS and email communications where consent has been provided
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Improve website performance
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Detect fraud and maintain security
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Comply with legal and regulatory obligations.
Information Sharing
We do not sell your personal information. Information may be shared with lenders, investors, service providers, technology vendors, government agencies, regulators, or other parties when necessary to process mortgage requests, operate our business, comply with law, or protect our legal rights.
Cookies & Tracking Technologies
Our website may use cookies and similar technologies including Google Analytics, Google Ads conversion tracking, Meta Pixel, and similar tools to understand website performance, improve user experience, measure advertising effectiveness, and support remarketing. Users may control certain cookies through browser settings or our cookie preferences when available.
Third-Party Services
Our website links to the Arive mortgage application platform. When you leave our website to submit an application or request a formal quote, information provided within Arive is also subject to Arive's own privacy and security practices.
SMS & Email Communications
By voluntarily providing your contact information and, where required, affirmatively consenting, you may receive mortgage-related emails, calls, or text messages. Consent is not a condition of obtaining a mortgage loan or any other service. Message and data rates may apply. You may opt out of marketing emails using the unsubscribe link or text STOP to opt out of SMS communications.
Security
We maintain administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction. No internet transmission or storage system can be guaranteed to be 100% secure.
Texas Operations
LowRate Home Loans, Inc. is licensed to originate residential mortgage loans only within the State of Texas.
Contact Information
LowRate Home Loans, Inc.
3502 Harbor Pointe Drive
Rowlett, TX 75088
Phone: (214) 221-4008
Email: les@lowratehomeloans.com
Company NMLS ID: 2678663
Les Tuttle NMLS ID: 313115