Terms & Privacy

We may collect information you provide through our websites, lead forms, applications, phone calls, text messages, emails, and consultations. This may include your name, email address, telephone number, property and mortgage interests, home-buying timeline, estimated credit range, employment or financial information, and other details you choose to provide.

We may also collect technical information such as your device, browser, IP address, referring page, pages viewed, and cookie or similar tracking data. We may receive information from service providers and partners when permitted by law and consistent with your choices.

We use information to respond to inquiries, evaluate the mortgage services or programs that may be relevant to you, schedule and prepare for consultations, provide secure application links, process applications and transactions, personalize your experience, maintain our records, prevent fraud, secure our systems, and comply with legal and regulatory obligations.

We may communicate with you by phone, email, or text when you ask us to contact you or otherwise provide consent. Consent to marketing or automated communications is not a condition of purchasing any property, product, or service.

If you provide your mobile number and consent to text messages, Next Wave Mortgage may send customer-care messages such as consultation confirmations and reminders, responses to your questions, and a secure mortgage application link. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help.

Mobile information and SMS opt-in consent will not be sold, rented, or shared with third parties or affiliates for marketing or promotional purposes. We may disclose it only to service providers that help us deliver communications and are required to protect the information, or when required by law.

We do not sell or rent personal information. We may share information with service providers that perform work for us, mortgage transaction participants when needed to provide requested services, regulators and law enforcement when required, and other parties at your direction or with your consent.

Service providers may use information only to provide contracted services and must protect it appropriately. The SMS and mobile-information restrictions above apply regardless of this general sharing section.

We implement industry-standard security measures to protect your data from unauthorized access, disclosure, alteration, and destruction.

We strive to protect your personal information; no method of transmission over the Internet or electronic storage is entirely secure; thus, we cannot guarantee absolute security.

Our websites may use cookies, pixels, analytics, and similar technologies to operate the sites, remember preferences, understand traffic and form performance, and improve our services. You can adjust your browser settings to limit cookies, although some site features may not function correctly.

We retain personal information for as long as reasonably necessary to provide requested services, maintain business and compliance records, resolve disputes, enforce agreements, and satisfy legal and regulatory requirements. Retention periods vary based on the type of information and the purpose for which it was collected.

You may opt out of text messages at any time by replying STOP and may request help by replying HELP. You may also ask to access, correct, or delete personal information by contacting us, subject to identity verification and applicable legal or record-retention requirements.

You can unsubscribe from marketing emails using the link in the message. Choosing not to receive marketing communications does not prevent us from sending necessary service or transaction communications.