Privacy Policy

When you submit a form on this website, request a consultation, or use our mortgage calculator, we collect the information you provide directly, such as your name, email address, phone number, and details about your mortgage goals or situation.

We may also collect basic usage information, such as pages visited and general device or browser details, to help us improve the website.

We use the information you provide to respond to your inquiries, prepare and present mortgage options, follow up by phone, text message, or email, and provide the services you request.

We do not sell your personal information. We do not share it with third parties for their own marketing purposes.

By submitting a form or providing your phone number on this website, you expressly consent to receive telephone calls and text messages from Xavier Alcala and Independence Home Loans, including through the use of automatic telephone dialing systems and artificial or prerecorded voice, at the phone number you provide, for informational and marketing purposes related to your mortgage inquiry.

You consent to receive these communications even if your number is listed on a federal, state, or corporate Do Not Call registry. Submitting your information is not a condition of purchase, and you are never required to accept communications to work with us.

Message and data rates may apply, depending on your mobile carrier. Message frequency varies.

You may withdraw your consent at any time. To stop text messages, reply STOP to any message. To stop calls or emails, or for any other communication preference, contact us at (602) 584-7463 or through the consultation form. We will honor opt-out requests promptly.

We share your information only as needed to serve you. This may include our customer relationship and communication platform, which stores your contact details and communication history, and lenders or service providers involved in a loan you choose to pursue.

We may also disclose information when required by law, regulation, or legal process.

We use reasonable administrative and technical safeguards, including encrypted connections, to protect your personal information. No method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

You may request access to, correction of, or deletion of the personal information we hold about you, subject to legal and regulatory recordkeeping requirements that apply to mortgage professionals.

To make a request or update your communication preferences, contact us at (602) 584-7463.

We may update this Privacy Policy from time to time. The effective date below reflects the most recent version. Continued use of this website after changes are posted constitutes acceptance of the updated policy.