Email Communication Policy

Effective October 19, 2026

Consent and the kinds of emails we send

When you give us your email address, we may send you emails about your inquiry or loan (transactional emails) and, if you agree, newsletters, rate updates, and offers (marketing emails). We may use automated tools and AI to draft, schedule, and send emails.

Unsubscribing (CAN-SPAM)

Every marketing email includes our identity, a valid mailing address, and an unsubscribe link. We honor unsubscribe requests within 10 business days. You will still receive emails needed for an active loan.

Email is not a commitment

Emails may be short or informal and do not change, approve, or commit to any loan terms. Only signed loan documents bind either of us. An email signature block or typed name is not an electronic signature on a loan document unless we both expressly agree.

Timing and receipt

Spam filters and system problems can delay or block email. Do not rely on email for urgent or time-sensitive matters (for example rate locks or closing deadlines); call us and confirm in writing.

Security

Regular email is not fully secure and can be intercepted or altered. Please do not email your SSN, account numbers, or documents; use the secure borrower portal instead. We will never ask you to wire money by email alone; always confirm wiring instructions by phone using a number you know is genuine.

Viruses

We take reasonable steps to keep our emails free of malware, but you should scan attachments. We are not responsible for damage caused by email attachments or links.

Confidentiality

Our emails may contain confidential information. If you receive one by mistake, please tell us and delete it.