How can we help you?

Southern Oaks Mortgage

Effective Date: 3/24/2026

Southern Oaks Mortgage is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your information in connection with our mortgage services.

1. Information We Collect

We may collect the following types of personal information:

Personal Identification Information

• Full name
• Address
• Email address
• Phone number
• Social Security number
• Date of birth

Financial Information

• Income and employment details
• Credit history and credit scores
• Bank account and asset information
• Debt and liability information

Technical Information

• IP address
• Browser type
• Device information
• Website usage data (via cookies and analytics tools)

2. How We Use Your Information

We use your information for the following purposes:

• To process and evaluate mortgage applications
• To verify your identity and creditworthiness
• To communicate with you regarding your loan or inquiry
• To comply with legal and regulatory requirements
• To improve our website, services, and customer experience
• To send important updates, disclosures, or service-related notices

3. Sharing of Information

We do not sell your personal information. We may share your information with:

• Lenders, investors, and financial institutions for loan processing
• Credit reporting agencies
• Title companies, appraisers, and other service providers
• Government agencies or regulators as required by law
• Third-party vendors who assist in operating our business (under strict confidentiality agreements)

4. Cookies and Tracking Technologies

Our website may use cookies and similar technologies to:

• Enhance user experience
• Analyze website traffic
• Improve functionality

You can modify your browser settings to decline cookies; however, this may affect site performance.

5. Data Security

We implement industry-standard security measures to protect your personal information, including:

• Encryption of sensitive data
• Secure servers and networks
• Restricted access to personal information

While we strive to protect your information, no system can guarantee absolute security.

6. Your Privacy Rights

Depending on your state of residence (including California), you may have the right to:

• Request access to your personal information
• Request correction of inaccurate information
• Request deletion of your personal data (subject to legal obligations)
• Opt out of certain data sharing practices

To exercise your rights, please contact us using the information below.

7. Third-Party Links

Our website may contain links to third-party websites. Southern Oaks Mortgage is not responsible for the privacy practices or content of those sites.

8. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children.

9. Updates to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date.

10. SMS Communications and Privacy

Southern Oaks Mortgage may offer the option to receive communications via SMS (text messaging). By opting in to SMS communications, you agree to receive text messages related to:

• Loan application updates
• Appointment reminders
• Requested information or documents
• Customer service communications

SMS Opt-In Consent

SMS consent is obtained through voluntary actions such as:

• Submitting a form on our website
• Checking an opt-in box
• Providing your phone number and requesting communication

Your consent to receive SMS messages is not a condition of obtaining mortgage services.

Use of SMS Information

We use your mobile number and SMS interactions solely for communication related to your inquiry, application, or services with Southern Oaks Mortgage.

No Sharing of SMS Data

Southern Oaks Mortgage does NOT sell, rent, or share your SMS consent or mobile phone number with third parties for marketing purposes.

• SMS information is used strictly for our internal business communications
• Your phone number and messaging data remain private
• We do not share SMS opt-in data with affiliates or external companies

Opt-Out of SMS Communications

You may opt out of receiving SMS messages at any time by:

• Replying “STOP” to any message
• Contacting us directly using the information below

After opting out, you will no longer receive SMS communications unless you re-subscribe.

Message Frequency and Fees

• Message frequency may vary depending on your interaction with us
• Standard message and data rates may apply based on your carrier

Data Security for SMS

We take reasonable measures to protect your SMS-related data; however, text messaging is not always a fully secure form of communication. We recommend avoiding the sharing of sensitive personal information (such as Social Security numbers) via SMS.

Contact Us

For questions about SMS communications, please contact:

Southern Oaks Mortgage
(661) 964-2600
jeff@somloans.como

11. Contact Information

If you have questions about this Privacy Policy or how your information is handled, please contact:

Southern Oaks Mortgage
25060 Avenue Stanford, Suite 255
Valencia, CA 91355
(661) 964-2600
jeff@somloans.como