Privacy

Your first and last name, your email address, the Texas county you named, and your answers to the questions about your goal, your timeline, the credit band you selected, how you are paid, roughly how much you have available, which credit events apply to you, and what you currently pay for housing. You can also tell us which language you want a reply in and a good time of day.

It also records where you arrived from — the referring website, and any campaign tags on the link you clicked.

No Social Security number. No date of birth. No phone number. No exact income figure, loan amount, or property address. No documents, no pay stubs, no identification.

Those omissions are on purpose. Collecting that combination would turn these questions into a credit application with obligations attached to it, and collecting a phone number would mean asking for calling and texting consent we have no use for. Nobody is ever called or texted by this site, because it has no number to call. The only thing there is to opt into is the email sequence described under Marketing, and that is a single box you are free to leave alone.

No credit report is pulled at any point, and nothing you do on this site affects your credit score.

Your answers are emailed to Gabriel Montelongo, and a confirmation is emailed to you. That is the whole system. There is no database, no customer relationship system, and no account for you to log into — your answers are not stored on this website after the email is sent.

The questions ask for your name and email part-way through rather than at the end. If you give them and then stop before finishing, what you had answered up to that point is emailed to him too, so a half-finished answer can be picked up rather than lost. Nothing is sent to you automatically in that case — he either writes to you himself or he does not.

Email is delivered by Resend, a transactional email provider, which processes the message in order to send it. Resend and the visit counter described under Cookies and tracking are the only outside services this website uses.

Montel Mortgages LLC is a mortgage broker. If you go on to apply for a loan, your information is submitted to a wholesale lender — in most cases Rocket Pro TPO — or to another participating lender, so the loan can be underwritten. That step only happens if you decide to apply, and it is a separate act from answering these questions.

Information may also be disclosed where the law requires it, such as in response to a lawful request from a regulator, including the Texas Department of Savings and Mortgage Lending.

Your information is not sold and it is not shared with advertising networks. The visit counter described under Cookies and tracking records which screen of the questions was reached; your answers are never sent to it.

These questions are not an application and never become one. If your result offers a link to start an application, that link takes you to LendingPad, a separate loan origination system Montel Mortgages LLC uses. It is not this website.

That system asks for what a real application requires and this site refuses to collect — your Social Security number, your actual income, the property. Once you are there, LendingPad's own terms and privacy practices apply to what you enter, alongside ours as the broker receiving it. Following the link is entirely your choice, and you can stop at any point.

There is no newsletter and nothing is sold to anybody. The confirmation of something you submitted and my reply to it are sent no matter what.

There is one optional sequence, and you only receive it if you tick the box for it on the step where you give your email. It is six emails, roughly one a month, from me, explaining parts of the process — which documents to gather, how the county values your house, what to ask an insurance agent. No rates, no payment figures, and no offers. The box is never ticked for you, leaving it alone costs you nothing, and every one of those emails carries a link that stops them immediately. If you use it, you are off the list and the series never reaches you again.

The site is served over HTTPS only. Your answers are sent in the request body, never in a web address, so they do not end up in browser history or in a link you might share by accident. The email provider's credentials are held on the server and are never exposed to your browser.

As a mortgage broker, Montel Mortgages LLC is a financial institution under the FTC Safeguards Rule and maintains an information security program accordingly.

This website sets no cookies at all — none for advertising, none for anything else. Your browser's language preference is read once, to decide whether to show you the English or the Spanish version of a page. Nothing is stored on your device.

Visits are counted using Plausible, an analytics service that works without cookies. It does not build a profile of you, does not follow you to other websites, and is not an advertising network. It records that a page was opened, roughly where in the world the request came from, and which screen of the questions was reached — so I can see where people give up. It never receives your answers, your name, or your email address, and nothing it collects identifies you to Plausible or to me.

This website is meant for adults seeking mortgage financing and is not directed at children.

Because nothing is stored here, a request to correct or delete usually means deleting the emails. Write to Gabe at the address on the contact page and say what you want done, and he will confirm when it is done.

If this policy changes, the date at the top changes with it.