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Privacy Policy

Effective Date: July 24, 2026

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Genesis Mortgage Solutions ("we," "us," or "our") respects your privacy and is committed to protecting the personal and financial information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mortgage brokerage services, visit our website, or interact with us.

 

1. Information We Collect

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To process your mortgage inquiry or application, we collect nonpublic personal information (NPI) about you from the following sources:

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  • Directly from you: Information you provide on applications, forms, or during consultations (e.g., your name, address, Social Security number, assets, income, and employment history).

  • From third parties: Information from consumer reporting agencies (e.g., your credit history, credit score, and verification of debts).

  • From your transactions: Information about your transactions with us, our affiliates, or others (e.g., loan balances, payment history, and parties to the transaction).

 

2. How We Use Your Information

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We use the information we collect to provide, maintain, and improve our services, including:

  • Evaluating eligibility: Assessing your qualification for residential or commercial mortgage loans.

  • Processing transactions: Submitting loan packages to wholesale lenders, underwriters, and settlement service providers.

  • Communication: Responding to your inquiries, providing loan status updates, and sending required legal disclosures.

  • Compliance: Meeting federal, state, and local regulatory recording and reporting requirements.

 

3. How We Share Your Information

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We do not sell your personal information. We share your nonpublic personal information only as permitted or required by law to facilitate your mortgage transaction:

  • Wholesale Lenders: To underwrite, approve, and fund your mortgage loan.

  • Service Providers: To third parties performing services on our behalf (e.g., credit bureaus, appraisers, title companies, and closing attorneys).

  • Legal and Regulatory Bodies: To comply with a subpoena, court order, or regulatory audit by state or federal authorities.

 

4. Safeguarding Your Information

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We maintain strict physical, electronic, and procedural safeguards to protect your nonpublic personal information:

  • Data Security: We use encryption, secure servers, and firewalls to protect digital information.

  • Access Control: We restrict access to your personal information to employees and contractors who need that information to provide services to you.

  • Employee Training: Our staff is trained on privacy compliance, identity theft prevention, and proper data disposal.

 

5. Your Opt-Out Rights

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Federal law gives you the right to limit some, but not all, sharing of your personal information. You cannot limit sharing that is necessary to process your transaction.

  • Marketing: If we share your information with affiliates or non-affiliates to market products or services to you, you have the right to opt out.

  • To Opt Out: Contact us using the information below to request a restriction on marketing communications.

 

6. Contact Us

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If you have any questions, concerns, or complaints about this Privacy Policy or our data practices, please contact us at:

  • Business Name: Genesis Mortgage Solutions

  • Address: 1209 Mountain RD PL NE, STE R, Albequerque NM 87110

  • Email Address: Info@Genesis-Mortgage.com

SMS AND MARKETING PRIVACY & OPT-OUT POLICY

Effective Date: July 24, 2026

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Genesis Mortgage Solutions ("we," "us," or "our") is committed to protecting your privacy and ensuring transparency in how we communicate with you. This policy outlines how we collect, use, and protect your information regarding text messaging (SMS) and marketing communications, and how you can opt out at any time.

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1. Consent and Opt-In for Text Messaging

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We will not send you automated marketing or promotional text messages without your explicit prior express written consent.

  • How Consent is Obtained: You provide consent by checking an un-checked box on our website forms, signing a digital or physical consent waiver, or text-initiating a keyword to our short code or phone number.

  • Scope of Consent: Opting into text messaging is entirely voluntary and is not a condition of purchasing any property, goods, or services, or securing a mortgage loan.

  • No Information Sharing for SMS: Mobile phone numbers collected for SMS consent, and the consent itself, will not be shared, sold, or rented to third parties, partners, or affiliates for marketing purposes.

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2. Types of Text Messages You May Receive

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Once opted in, you may receive text messages regarding:

  • Loan Updates: Real-time updates on your mortgage application status, document requests, and milestone alerts.

  • Account Servicing: Appointment reminders, scheduling confirmations, and direct communication from your assigned loan officer.

  • Marketing & Promotions: Information about current interest rates, new loan programs, market updates, or educational webinars.

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3. Message Frequency and Rates

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  • Frequency: The number of text messages you receive will vary based on your transaction status and the marketing campaigns you opt into. Account servicing messages occur dynamically during an active loan process.

  • Cost: Message and data rates may apply depending on your mobile carrier plan. We do not charge fees to send or receive text messages.

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4. How to Opt Out (Stop Text Messages)

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You have the right to revoke your consent and stop receiving text messages from us at any time.

  • Keyword Opt-Out: Reply STOP, QUIT, CANCEL, UNSUBSCRIBE, or END to any text message you receive from us.

  • Confirmation: After replying STOP, you will receive a single final text message confirming that you have been unsubscribed. No further messages will be sent unless you re-initiate consent.

  • Customer Support: If you experience issues opting out, reply HELP for assistance, or contact us directly using the information below.

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5. Email and Other Marketing Opt-Outs

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If you wish to opt out of our email marketing newsletters or other non-SMS promotional materials:

  • Email Unsubscribe: Click the "Unsubscribe" link located at the bottom of any marketing email.

  • Direct Request: Email or call us using the contact details below, and request to be placed on our internal "Do Not Market" list.

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6. Contact Us

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For questions regarding this policy, or to update your communication preferences, please contact us at:

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