Privacy Policy

Scope

This policy applies to information collected through this website by All In One Home and Loan Advisors and Gin Santesteban in connection with mortgage education, consultation requests, prequalification requests, and related services. Gin Santesteban is sponsored by NEXA Mortgage, LLC.

Information we collect

We collect information you choose to submit, which may include your name, email address, phone number, property state, loan purpose, estimated property value or purchase price, loan amount, credit range, income, debts, employment status, down payment, timeline, and message. The server may also record technical information such as IP address, browser type, referring page, and submission time for security and operation.

How information is used

Information is used to respond to your request, prepare for a consultation, evaluate which financing paths may merit discussion, maintain business records, protect the website from abuse, improve the website, and comply with legal or regulatory obligations. Submitting information through this website is not a loan approval or commitment to lend.

Calls, email, and text messages

When you submit a form and provide consent, you authorize contact about your inquiry by phone, email, or text, including through automated technology where permitted. Consent is not a condition of purchase. Message frequency varies. Message and data rates may apply. Reply STOP to opt out of text messages or contact us using the details below.

Storage and service providers

Form submissions are stored as private records in this WordPress website and may be sent by email to Gin. Hosting, email, security, analytics, and mortgage-technology providers may process information only as needed to provide their services or meet legal requirements. No internet transmission or storage system can be guaranteed completely secure.

Sharing

We do not sell personal information. Information may be shared with NEXA Mortgage, LLC, mortgage service providers, or other parties when necessary to respond to your request, process an authorized application, comply with law, protect rights and security, or complete a business transfer. Information is not submitted to a lender for a formal credit decision solely by using a calculator.

Cookies and analytics

The site may use essential cookies for WordPress administration, security, form protection, and user preferences. If analytics tools are enabled, they may collect aggregated usage information. You can control cookies through your browser, although blocking essential cookies can affect site functions.

Retention

Information is retained for as long as reasonably necessary to respond to your request, maintain required business and compliance records, resolve disputes, and protect the service. Retention periods can vary based on the nature of the interaction and applicable obligations.

Your choices

You may ask to access, correct, or delete personal information held through this website, subject to legal, regulatory, and record-retention requirements. You may unsubscribe from marketing email using the link provided in the message, reply STOP to a text message, or contact us directly.

Children

This website is intended for adults seeking mortgage and homeownership information and is not directed to children under 13. We do not knowingly collect information from children under 13.

External links

The website links to third-party sites, including NMLS Consumer Access and NEXA Mortgage. Their privacy practices are governed by their own policies.

Policy updates

This policy may be updated as services, technology, or legal requirements change. The effective date at the top of the page shows the latest published version.

Contact

For a privacy request, contact Gin Santesteban at gin@allinonehomeandloanadvisors.com or 813.442.1213. Mortgage Loan Origination Specialist, NMLS #2718334. Sponsored by NEXA Mortgage, LLC, NMLS #1660690.