Privacy Policy
This policy explains what information National Mortgage Guides ("we", "us") collects through this website, how we use it, who we share it with and the choices you have.
Who We Are
National Mortgage Guides publishes guides and calculators about home loans and reverse mortgages. If you ask to hear from a lender, we pass your request to one licensed lender, named on the form before you send it. National Mortgage Guides is not a lender or mortgage broker. The lender pays us a flat fee for each request.
Information We Collect
What you tell us. When you answer our questions: your goal, the ZIP code and state of the home, the type of home and how it's used, rough figures for its value, what you owe or plan to put down, your own description of your credit, whether you or your spouse served in the military, your timing and, for a reverse mortgage, ages and the main reason you're interested. If you're buying, also the areas you're considering, whether you have a real estate agent and whether you'd like the lender to suggest one. When you send a request: your first and last name, email address and phone number, and your agreement to be contacted.
Proof of your agreement. When you send a request, we keep the exact wording you agreed to, the time, your IP address, your browser's user agent and the page you were on. We may also use TrustedForm and Jornaya, services that record how the form was filled in so the agreement can be proved later.
Collected automatically. Your IP address and browser details, and, from the first page you visit, the address of the site that sent you and any campaign or ad click codes in the link. We also count anonymous funnel events, such as which question was shown, with no names, numbers, answers or IP addresses attached.
From other companies. To spot fake or mistaken requests, we check the details you enter with verification services. They tell us, for example, whether a phone number and email are valid, whether a connection comes from a proxy or VPN, and whether a number is linked to someone known for filing calling-law lawsuits. We use Cloudflare Turnstile to tell people from bots.
We don't ask for your Social Security number, date of birth, income, bank details or assets, and we don't check your credit.
How We Use It
- To run the site, show estimates you ask for and send your request to the lender you chose.
- To check that requests are real and to prevent fraud, spam and abuse.
- To keep proof of your agreement to be contacted, and to honor requests to stop.
- To understand how the site is used and improve it.
- To measure our advertising, as described below.
- To comply with the law, respond to legal requests and protect our rights and those of others.
Calls and Texts
If you check the box on our form, the lender named there may call and text you at the number you gave, including with automated technology and with artificial or AI-generated voices. Agreeing is never a condition of buying anything. You can stop at any time: reply STOP to a text, tell the caller you don't want more calls, or contact us and we'll pass your request on. Every version of the wording is on our Consent to Contact page.
Who We Share It With
- The lender you chose. Your contact details, answers and proof of agreement go to the one lender named on the form, who pays us for the request and uses it under its own privacy policy. We don't send your contact details to any other lender, or to any real estate agent. If you ask the lender to suggest an agent, the lender handles that itself.
- Lenders bidding to be shown to you. Before the form names a lender, we may send a few lenders a short summary with no name, phone number or email: the loan type, your state, an age range, the home's value and the loan amount. They use it to decide whether to take the request.
- Service providers that run the site for us: hosting, database, bot protection, verification and fraud checks, and the consent-proof services named above.
- Advertising platforms. If you came to us from an ad on Meta, TikTok or Google and your request is verified, we tell that platform a request was made, with your email and phone number in scrambled (hashed) form, so it can measure the ad. We don't send your answers or loan details. If your browser sends a Global Privacy Control signal, we send nothing.
- Authorities and others when the law requires it, or to protect rights, safety and property.
- A buyer or successor if our business is sold, merged or reorganized.
Under some state privacy laws, passing your request to a lender for a fee, and the advertising measurement above, can count as "selling" or "sharing" personal information. See Do Not Sell or Share My Information.
Cookies and Similar Tools
- nmg_consent remembers whether you turned Google Analytics off, for a year.
- nmg_tags remembers whether you allowed marketing cookies, for a year.
- nmg_ft remembers where your first visit came from and any ad click codes, for 90 days.
- nmg_aff records a click from a partner's link, for 30 days.
- nmg_lender keeps the lender shown to you the same while you finish the form, for 60 minutes.
We use Google Analytics to see which pages help people. It sets its own cookies (named _ga and _ga_ followed by an ID) and tells Google which pages you view. On our question forms and thank-you pages it gets the page address only, never what you type or choose there. Google's advertising features are turned off: we don't let it store ad cookies or use your visit for ads. If your browser sends Global Privacy Control, or you turn it off on Do Not Sell or Share My Information, Google Analytics doesn't load at all.
Marketing cookies are off unless you choose "Allow marketing" on our cookie notice. If you do, we load Google Tag Manager, which can run advertising tags that measure our ads. They never load on our question forms or thank-you pages, and never when your browser sends Global Privacy Control. You can change your mind with "Cookie choices" at the bottom of any page.
We also use Vercel Web Analytics and Speed Insights, from our hosting company, to count page views and measure how fast pages load. They set no cookies and get the page address only on our question forms and thank-you pages.
Your Choices and Rights
Depending on where you live, you may have the right to know what personal information we hold about you and how we use it, to get a copy, to correct it, to have it deleted, to opt out of its sale or sharing and of targeted advertising, and to appeal if we turn down your request. We won't treat you differently for using these rights. We may need to confirm your identity first. You can use an authorized agent, and we may ask for proof that they act for you.
We treat a Global Privacy Control signal from your browser as a request to opt out of selling and sharing. We don't currently respond to "Do Not Track" signals.
To make a request, contact us using the details below.
How Long We Keep It
We keep personal information as long as we need it for the purposes above, including keeping proof of agreement, handling disputes and meeting legal, accounting and reporting duties. If you ask us to stop contacting you, we keep a scrambled (hashed) copy of your phone and email so we can keep honoring that request.
Security
We use technical and organizational safeguards designed to protect your information, but no website or internet service is completely secure.
Children
This site is for adults 18 and older. We don't knowingly collect information from anyone under 18.
Other Websites
We link to government agencies, lenders and other sites. Their own privacy policies apply to them, not this one.
Changes to This Policy
If we change this policy, we'll update the date at the top. Big changes will be noted on the site.
Contact Us
- Phone: 1 (833) 445-1349