Privacy Policy

Effective Date: January 1st, 2026

LLN Funding LLC d/b/a Exact Rate Mortgage (“Exact Rate Mortgage,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide to us.

This Privacy Policy explains how we collect, use, protect, and disclose information through our website, including blog.exactratemortgage.com, and through forms, inquiries, applications, and other services associated with our website.

Information We Collect

Depending on how you interact with us, we may collect information such as:

Name, address, telephone number, and email address
Information about your home purchase, refinance, or real estate investment plans
Employment and income information
Credit and financial information
Property information
Information about assets, debts, and other financial obligations
Information submitted through mortgage inquiry or contact forms
Information you provide when communicating with us by telephone, email, text message, or other methods
Technical information such as IP address, browser type, device information, and website activity

We only request information that is reasonably necessary to respond to your inquiry, evaluate financing options, provide mortgage-related services, operate our website, or comply with applicable legal and regulatory requirements.

How We Use Your Information

We may use information we collect to:

Respond to your questions and requests
Contact you regarding your mortgage or real estate financing inquiry
Evaluate potential mortgage and financing options
Assist with mortgage applications and transactions
Communicate with lenders and other parties involved in providing mortgage services
Provide information about mortgage products, financing options, and related services
Improve our website, services, and customer experience
Maintain website security and prevent fraud or misuse
Comply with applicable laws, regulations, and regulatory requirements

Sharing of Information

We do not sell your personal information for monetary consideration.

However, when you request mortgage or real estate financing services, we may share information as reasonably necessary to provide those services. This may include sharing information with:

Wholesale mortgage lenders and other financing sources
Credit reporting agencies
Appraisers
Title companies and settlement service providers
Insurance providers
Mortgage processors, underwriters, and other professionals involved in a transaction
Technology, document management, communications, and other service providers that support our business
Government agencies, regulators, law enforcement, or other parties when required or permitted by law

We may also disclose information when necessary to protect our rights, prevent fraud, address security issues, enforce our agreements, or comply with a legal obligation.

Mortgage and Financial Information

Information provided in connection with a mortgage inquiry or application may include sensitive financial information.

We take reasonable measures to protect this information and limit access to individuals and service providers who have a legitimate business need to access it.

Information collected in connection with a mortgage transaction may also be subject to additional federal and state privacy requirements, including the Gramm-Leach-Bliley Act and Regulation P. Our formal privacy notices provided in connection with financial products and services govern where applicable.

Cookies and Website Analytics

Our website may use cookies, analytics tools, pixels, and similar technologies to help us understand website traffic, improve website functionality, evaluate marketing performance, and provide a better user experience.

These technologies may collect information such as pages visited, referring websites, browser type, device information, approximate location, and other technical information.

You may be able to control or disable cookies through your browser settings. Disabling certain cookies may affect website functionality.

Communications

If you provide your telephone number or email address, we may contact you regarding your inquiry, requested services, mortgage financing, or other communications related to our business.

Where permitted by applicable law and based on the consent or permissions provided, we may also send marketing communications by email, telephone, or text message.

You may request to stop receiving marketing communications by following the unsubscribe instructions in an email, replying appropriately to a text message where supported, or contacting us directly.

Stopping marketing communications does not necessarily prevent us from sending communications that are necessary to service an existing mortgage transaction or respond to a request you have made.

Third-Party Websites and Services

Our website may contain links to websites, services, or applications operated by third parties. We are not responsible for the privacy practices, security, or content of third-party websites.

We encourage you to review the privacy policies of any third-party website before providing personal information.

Information Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, disclosure, alteration, or destruction.

No method of transmitting or storing information electronically can be guaranteed to be completely secure. For this reason, we cannot guarantee the absolute security of information transmitted to or through our website.

Information Retention

We retain information for as long as reasonably necessary for the purposes described in this Privacy Policy, to provide requested services, maintain business and transaction records, comply with legal and regulatory requirements, resolve disputes, and enforce our agreements.

Children's Privacy

Our website and mortgage services are not directed toward children under the age of 13. We do not knowingly collect personal information from children under 13 through our website.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our business practices, website functionality, legal requirements, or other circumstances.

When we make changes, we will update the Effective Date shown at the beginning of this Privacy Policy. We encourage you to periodically review this page for the most current version.

Where applicable, changes to privacy notices provided under federal financial privacy laws will be handled in accordance with those requirements.

Contact Us

If you have questions about this Privacy Policy or how we handle your personal information, please contact:

LLN Funding LLC d/b/a Exact Rate Mortgage

Phone: 561.372.LOAN (5626)