PRIVACY POLICY
Mortgage Assistance Professionals
Effective Date: October 12, 2026
Last Updated: October 12, 2026
1. Introduction
Mortgage Assistance Professionals (“MAP,” “Company,” “we,” “our,” or “us”) respects the privacy of homeowners, borrowers, heirs, personal representatives, real estate professionals, business partners, website visitors, and other individuals whose personal information we collect or process.
We recognize that mortgage assistance, foreclosure prevention, short-sale negotiations, reverse mortgage resolution, and other real estate-related services may involve highly sensitive personal, financial, and property information.
This Privacy Policy explains how we collect, use, disclose, retain, secure, and otherwise process personal information, as well as the rights individuals may have under applicable federal, state, and local laws.
This Policy applies to personal information processed through our websites, electronic intake forms, customer relationship management systems, email, telephone, text messaging, document submission systems, and other interactions associated with our business operations.
Mortgage Assistance Professionals is an independent mortgage assistance services provider. We are not a mortgage lender, law office, loan originator, government agency, or mortgage servicer. We do not represent that we are affiliated with or endorsed by any federal, state, or local government agency, lender, or loan servicer.
2. Information We Collect
Depending on the nature of our relationship and the services requested, we may collect the following categories of personal information.
A. Personal Identifiers
Full legal name, previous names, and date of birth
Residential and mailing addresses
Telephone numbers and email addresses
Government-issued identification information
Social Security numbers or taxpayer identification numbers when necessary and lawfully collected
Client numbers, mortgage loan numbers, and internal case identifiers
B. Mortgage and Financial Information
Mortgage balances, payment histories, and delinquency information
Mortgage statements, loan agreements, and payoff statements
Loan servicer and investor information
Household income, employment, and financial hardship information
Bank statements, assets, liabilities, and supporting financial documentation
Property valuations, repair estimates, purchase offers, and settlement information
Bankruptcy, foreclosure, tax lien, judgment, and other relevant financial or relative records
C. Property and Real Estate Information
Property addresses and ownership records
Deeds, title commitments, and recorded liens
Property tax records and insurance information
Listing agreements, purchase contracts, and settlement documents
Appraisal reports, inspection reports, and repair estimates
Probate and estate information relevant to ownership or disposition
D. Sensitive Personal Information
We may receive sensitive information, including financial account information, government identification numbers, health-related hardship documentation, and information about disability, death, divorce, or other personal circumstances.
We limit the collection and use of sensitive information to what is reasonably necessary for an authorized business purpose, to provide requested services, or to comply with applicable law.
Where applicable law requires additional consent for processing sensitive data, we will obtain that consent unless an exception applies.
E. Communications and Documents
We may collect correspondence, submitted forms, signed authorizations, electronic signatures, customer service communications, and telephone or video communications.
Calls may be recorded or monitored where legally permitted and after providing any notice or obtaining any consent required by applicable law.
F. Website and Technical Information
We may collect internet protocol addresses, browser types, device information, approximate location derived from IP addresses, website usage information, referring URLs, cookie identifiers, and related diagnostic information.
3. Sources of Personal Information
We may obtain personal information directly from individuals, authorized representatives, real estate professionals, mortgage lenders and servicers, government agencies, public property records, title companies, settlement agents, and other sources lawfully involved in a transaction.
When we obtain information from a third party, we process it according to applicable law and any contractual or authorization restrictions.
4. Purposes for Using Personal Information
MAP may process personal information to:
Evaluate requests for mortgage assistance or related services.
Communicate with lenders, servicers, investors, government housing agencies, and authorized transaction participants.
Prepare and submit short-sale, loan modification, forbearance, repayment, hardship, and other loss-mitigation packages.
Assist with reverse mortgage exits and property disposition.
Conduct title research and coordinate title-curative activities.
Facilitate property valuation reviews, purchase negotiations, and settlement coordination.
Verify identities, property ownership, and authority to act.
Maintain transaction records and comply with recordkeeping requirements.
Respond to inquiries, complaints, and privacy requests.
Prevent fraud, unauthorized access, and unlawful activity.
Maintain secure information systems and improve operations.
Fulfill legal, regulatory, contractual, and professional obligations.
We will not use personal information for materially incompatible purposes without providing any notice or obtaining any consent required by applicable law.
5. Disclosure and Sharing of Personal Information
We may disclose personal information when reasonably necessary for the requested services or another lawful purpose.
Recipients may include mortgage lenders and servicers; mortgage investors and authorized representatives; federal, state, and local housing agencies; real estate brokers and agents; title companies; attorneys; settlement agents; appraisers; inspectors; government recording offices; authorized heirs or representatives; and providers of business technology and professional services.
Our technology service providers may include customer relationship management, document storage, electronic signature, telecommunications, email, cybersecurity, website hosting, and workflow management providers.
We may also disclose information in connection with lawful subpoenas, court orders, regulatory investigations, fraud prevention, enforcement of legal rights, or business transactions where permitted by law.
Third-party access to information is subject to applicable law, contractual restrictions, authorization requirements, and appropriate safeguards.
We do not authorize service providers to use nonpublic personal financial information for unrelated purposes outside the scope permitted by law and their agreements with us.
6. Gramm-Leach-Bliley Act and Financial Privacy
Where Mortgage Assistance Professionals or specific personal information is subject to the Gramm-Leach-Bliley Act (“GLBA”), its implementing regulations, or comparable financial privacy requirements, we will handle nonpublic personal financial information in accordance with the applicable requirements.
These may include restrictions on disclosing nonpublic personal information, required initial and subsequent privacy notices, consumer opt-out rights concerning certain third-party disclosures, and obligations relating to the security and confidentiality of financial information.
We will provide any separate GLBA financial privacy notice and legally required opt-out mechanism when applicable.
Nothing in this Privacy Policy expands our authority to share nonpublic personal financial information beyond what applicable law permits.
7. Information Security
MAP maintains administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, misuse, alteration, disclosure, or destruction.
Our security program is intended to address risks associated with the collection and processing of sensitive borrower and property information.
Safeguards may include access controls, identity verification, authentication measures, encryption where appropriate, secure document transmission, security monitoring, workforce training, vendor oversight, backup procedures, and incident response planning.
Security controls are selected based on applicable legal requirements, operational needs, and reasonable assessments of risk.
No method of transmitting or storing information is completely secure. We therefore cannot guarantee absolute security.
8. Data Retention and Disposal
We retain personal information only for as long as reasonably necessary to fulfill the purposes described in this Policy or to meet applicable legal, regulatory, contractual, audit, dispute-resolution, and recordkeeping obligations.
Applicable retention periods may differ based on the nature of a transaction, the laws governing it, and the type of information involved.
When information is no longer required, we take reasonable steps to delete, destroy, de-identify, or otherwise securely dispose of it, subject to applicable retention obligations.
We may preserve information in connection with litigation, investigations, legal holds, or regulatory requirements.
9. Cookies and Website Tracking
Our website may use cookies and similar technologies to support essential site functions, improve user experience, maintain security, measure website performance, and understand how visitors interact with our services.
Where applicable law requires consent before placing or accessing nonessential tracking technologies, we will request that consent.
Where legally required, we will provide mechanisms for users to manage tracking preferences, opt out of targeted advertising or applicable personal information sharing, and exercise other relevant privacy choices.
We will honor legally recognized browser-based opt-out preference signals where required, including applicable Global Privacy Control signals.
Any third-party advertising, analytics, or tracking technologies must be evaluated under applicable privacy and financial-information restrictions before deployment.
10. Telephone, Email, and Text Communications
MAP may communicate with clients, authorized representatives, and business contacts through telephone calls, email, text messages, and other appropriate channels.
Communications may include document requests, transaction updates, appointment coordination, service-related notifications, and responses to inquiries.
Marketing communications, automated calls, automated text messages, and recorded calls are subject to applicable consent, notice, opt-out, and other legal requirements.
Where required, we will obtain consent before initiating covered communications.
Recipients may withdraw consent to marketing text messages by replying STOP, where the messaging system supports that function, or by contacting us.
Withdrawal of marketing consent does not necessarily prevent legally permitted operational or transactional communications.
We do not treat submission of a website inquiry as blanket authorization for all forms of marketing communication.
11. Consumer Privacy Rights
Depending on residency, the type of personal information involved, applicable legal exemptions, and other legal requirements, individuals may have rights to:
Confirm whether we process their personal information.
Request access to personal information.
Request correction of inaccurate information.
Request deletion of eligible personal information.
Obtain a portable copy of eligible information.
Opt out of applicable sales of personal information.
Opt out of applicable targeted advertising or certain profiling activities.
Limit certain uses or disclosures of sensitive information.
Withdraw consent where processing depends on consent.
Request information about certain third-party disclosures.
Appeal the denial of a privacy rights request where a right to appeal applies.
Exercise applicable privacy rights without unlawful discrimination or retaliation.
These rights are not absolute. Certain information may be exempt, including information regulated under GLBA, information required to complete a transaction, and records that must be retained under law.
MAP will not discriminate unlawfully against individuals who exercise their privacy rights.
12. State-Specific Privacy Protections
MAP recognizes that privacy rights vary by state and may also be affected by local ordinances, sector-specific laws, and applicable federal law.
We intend to administer applicable privacy requests in accordance with the requirements of the state law governing the information and individual involved.
California
Eligible California residents may exercise applicable rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act, including rights to know, access, correct, delete, and obtain information about certain personal information practices, as well as applicable opt-out and sensitive-information rights.
California financial information and entities may qualify for statutory exemptions. Such exemptions will be applied only where legally supported.
Where California law requires a separate notice at collection, additional disclosures, or a specific opt-out mechanism, MAP will provide those requirements.
Virginia
Eligible Virginia residents may have rights under the Virginia Consumer Data Protection Act, including access, correction, deletion, data portability, and applicable opt-out rights.
Where the Act applies to MAP and the information concerned, we will provide a process for submitting requests and appealing eligible denials.
Other States
Residents of Colorado, Connecticut, Utah, Texas, Oregon, Montana, Iowa, Delaware, New Hampshire, Nebraska, New Jersey, Tennessee, Minnesota, Maryland, Indiana, Kentucky, Rhode Island, and other jurisdictions with applicable privacy legislation may exercise the rights provided by the laws governing their information.
State-specific requirements concerning consent, sensitive information, opt-out signals, profiling, appeals, and request deadlines will apply where legally required.
Where a state's privacy law does not apply because of business-size thresholds, entity exemptions, regulated-data exemptions, or other statutory limitations, MAP will comply with all other applicable privacy and consumer protection laws.
Other State and Local Requirements
MAP will also comply with applicable state and local laws concerning information security, data breach notifications, consumer financial information, identity theft protection, communications, and records management.
Nothing in this Policy is intended to waive rights or protections granted by applicable law.
13. California Collection and Disclosure Categories
For purposes of applicable California privacy requirements, the categories of personal information that MAP may collect include identifiers; customer and financial records; protected classification information when voluntarily submitted and relevant; commercial and transaction information; internet or electronic network activity; professional or employment information; sensitive personal information; and inferences derived from information for legitimate case processing.
The specific categories collected depend on the interaction, requested services, and documentation submitted.
Information may be disclosed to service providers, transaction participants, government authorities, and other authorized recipients as described in this Policy.
Where California law requires disclosure of the categories actually collected, disclosed, sold, or shared during the preceding 12 months, MAP will provide an accurate account based on its records and practices.
We will provide any required supplemental California notices concerning retention, sensitive information, and advertising or cross-context sharing.
14. Processing of Sensitive Information
Financial account credentials, Social Security numbers, identification documents, loan information, and hardship materials may require heightened protection.
We use such information for legitimate and authorized purposes connected with mortgage assistance, transaction administration, legal obligations, or information security.
We will not use sensitive information for unrelated purposes where applicable law prohibits such use or requires consent that has not been obtained.
Where an individual submits medical or health information to support a financial hardship request, we will treat that information as sensitive and limit its use to relevant authorized purposes.
15. Children's Privacy
MAP's services are intended for adults, property owners, and individuals legally authorized to act in real estate or mortgage-related matters.
Our website and services are not directed to children under 13.
We do not knowingly collect personal information directly from children under 13 through our website without complying with applicable law.
Information relating to minors may be processed where legitimately necessary in an estate, guardianship, ownership, or other legally authorized transaction.
16. Third-Party Websites and Services
Our website and communications may contain links to third-party websites, mortgage servicing portals, government resources, electronic signature platforms, and other external services.
Those third parties may maintain independent privacy practices.
This Policy does not govern information collected by third parties acting independently of MAP.
We encourage individuals to review the privacy policies of those services before submitting information.
17. Data Breaches and Security Incidents
If MAP identifies a security incident involving personal information, we will investigate the incident, take appropriate containment and remediation measures, assess legal notification obligations, and provide required notifications to affected individuals, regulators, or other parties.
Notification obligations and deadlines will be determined under the applicable federal and state requirements, including the nature of the affected information and the circumstances of the incident.
We maintain procedures intended to support timely investigation, escalation, and response.
18. Authorized Representatives, Estate Matters, and Deceased Borrowers
Mortgage assistance transactions may involve powers of attorney, estates, trusts, heirs, executors, administrators, guardians, and other legal representatives.
MAP may require documentation establishing the individual's legal authority before disclosing borrower, mortgage, property, or estate-related information.
Such documentation may include death certificates, letters testamentary, letters of administration, powers of attorney, court orders, or other legally sufficient records.
Disclosure of information concerning deceased borrowers, surviving spouses, heirs, and successors in interest will be handled in accordance with applicable law, the relevant authorization, and mortgage servicing requirements.
19. Privacy Requests and Identity Verification
Individuals may contact MAP to exercise applicable privacy rights, ask questions, correct information, or express concerns regarding personal data.
Privacy Contact
Mortgage Assistance Professionals
Email: paul@mortgageassistancepros.com
Telephone: 757-290-6763
Mailing Address: 303 Lynnhaven Parkway, Virginia Beach, Virginia 23452
To protect sensitive borrower information, MAP may request information reasonably necessary to verify the identity or authority of an individual making a privacy request.
We will not require unnecessary sensitive information solely to verify a request.
We will respond within the period required by applicable law, provide notices of legally permitted extensions where necessary, and explain applicable denial and appeal rights when required.
Authorized agents may submit requests where applicable law permits.
20. Privacy Rights Appeals
Where a governing law provides the right to appeal a denied privacy request, individuals may submit an appeal through the privacy contact identified above.
An appeal should identify the original request and explain the basis for reconsideration.
MAP will review appeals and respond within the deadline required by the applicable law.
Where legally required, our appeal response will explain how the individual may contact the appropriate regulatory authority.
21. International Access
MAP primarily provides services relating to property and mortgage transactions within the United States.
If personal information is accessed, processed, or stored outside an individual's state or country, we will comply with applicable requirements governing such processing and any legally required safeguards.
This statement does not represent that MAP conducts business or maintains operations outside the United States.
22. Changes to This Privacy Policy
We may revise this Privacy Policy to reflect changes in our services, technology, information practices, or legal requirements.
Updated versions will be published with a revised effective date.
Where applicable law requires advance notice, affirmative consent, or additional disclosures before a material change, MAP will provide them.
23. Contact and Regulatory Rights
Questions, complaints, and privacy requests may be directed to:
Mortgage Assistance Professionals
Email: paul@mortgageassistancepros.com
Telephone: 757-290-6763
Mailing Address: 303 Lynnhaven Parkway, Virginia Beach, Virginia 23452
Individuals may also have the right to contact applicable state attorneys general, consumer protection agencies, or other regulatory authorities concerning privacy practices.
Nothing in this Privacy Policy restricts any right to communicate with or file a complaint with a government regulator.
Mortgage Assistance Professionals
Independent Mortgage Assistance and Foreclosure Prevention Services
Effective Date: October 12 2026
You agree to receive information messages (appointment reminders, account notifications, etc.) from Mortgage Assistance Professionals LLC. Message frequency varies. Message and data rates may apply. For help, reply HELP or email us at jay@mortgageassistancepros.com. You can opt out at any time by replying STOP.
Mobile opt-in information, including phone numbers and SMS consent, will not be shared with third parties for marketing purposes. We use it only to send the messages you asked for.