Privacy Policy

Last Updated: November 5, 2026

Michelle Trujillo, affiliated with KAM Financial & Realty and operating the MT Mortgage Loans website, respects your privacy and is committed to protecting personal information.

This Privacy Policy explains how information is collected, used, and shared when you visit our website, submit a mortgage inquiry, or request information about our mortgage and real estate services.

Information We Collect

When you complete our mortgage questionnaire, contact us, or request a consultation, we may collect:

• First and last name

• Email address

• Telephone number

• Preferred homebuying location

• Homebuying, refinancing, or investment goals

• Other information you voluntarily provide

• Basic website usage and technical information, where collected

We use this information to better understand your needs and respond to your inquiry.

Please do not submit Social Security numbers, banking credentials, tax returns, or other highly sensitive financial information through the general website questionnaire.

If additional documentation is needed, we will provide instructions for an appropriate secure submission process.

How We Use Your Information

Information collected through this website may be used to:

• Respond to mortgage and real estate inquiries

• Help you explore mortgage financing options

• Schedule consultations and provide appointment reminders

• Communicate about services you have requested

• Maintain prospective client records

• Send educational or promotional communications where permitted

• Improve website functionality and visitor experience

• Comply with applicable legal and regulatory obligations

Submitting a questionnaire does not constitute a formal mortgage application or guarantee financing.

Communications and SMS Consent

By submitting an inquiry, you may receive communications responding to your request, subject to applicable law.

Our questionnaire also provides a separate consent checkbox for SMS notifications, appointment reminders, mortgage updates, and occasional marketing communications.

Where required, promotional or automated communications will only be sent after appropriate consent has been obtained.

Consent to receive marketing communications is not a condition of purchasing any product or service.

Message frequency may vary. Message and data rates may apply.

You may opt out of text messages by replying STOP, where supported, or request assistance by replying HELP. You may unsubscribe from marketing emails using the instructions provided in those messages.

You may also contact us directly to request changes to your communication preferences.

Information Sharing and Service Providers

We may share information with KAM Financial & Realty and authorized service providers that assist with responding to inquiries and delivering requested services.

Our website uses third-party technologies, including:

• Framer: Website hosting and presentation

• Jtek: Lead collection, customer relationship management, and related communications

• Email, messaging, and scheduling providers, where used

• Other authorized providers supporting requested services

These providers may process information on our behalf as necessary to deliver their services.

We do not sell personal information for monetary compensation. Other disclosures, including any that may constitute a sale or sharing under applicable privacy laws, are subject to the relevant legal requirements.

Cookies and Website Technology

Our website and its service providers may use cookies or similar technologies for website functionality, performance, and analytics, where enabled.

Third-party tools, including embedded forms, may operate under their own privacy policies.

You may manage certain cookies through your browser settings.

Data Security and Retention

We use reasonable administrative and technical safeguards appropriate to the personal information handled.

No online service or method of electronic transmission can be guaranteed completely secure.

Personal information may be retained as reasonably necessary to respond to inquiries, maintain business records, provide requested services, and satisfy applicable legal obligations.

California Privacy Rights

California residents may have certain rights regarding their personal information under applicable state and federal privacy laws.

Depending on the applicable law, these rights may include requesting access to, correction of, or deletion of certain information, subject to legal exceptions.

Requests may be submitted to:

admin@MTmortgageloans.com

We may need to verify your identity before processing certain requests.

Where applicable, separate financial privacy notices and rights may apply to information collected during the formal mortgage application process.

Children’s Privacy

This website is intended for adults and is not directed toward children under 13.

We do not knowingly collect personal information from children under 13.

Policy Updates

This Privacy Policy may be updated periodically. Changes will be posted on this page with a revised date.

Contact Information

Michelle Trujillo
Realtor & Senior Loan Officer
NMLS ID #1452139
California DRE #02085341
Affiliated with KAM Financial & Realty
Email: admin@MTmortgageloans.com

Terms & Conditions

Last Updated: November 5, 2026

By accessing or using the MT Mortgage Loans website, you agree to these Terms and Conditions. If you do not agree, please discontinue use.

Informational Purposes

The information provided on this website is for general educational and informational purposes only.

It does not constitute legal, tax, accounting, investment, or individualized financial advice.

No Commitment to Lend

Nothing on this website constitutes an offer of credit, a commitment to lend, a mortgage preapproval, or a guarantee of financing.

Mortgage programs, rates, terms, fees, down payment requirements, and eligibility guidelines may change.

All financing is subject to applicable borrower qualifications, property requirements, underwriting, lender approval, and legal requirements.

Mortgage Inquiry Questionnaire

Our website provides a questionnaire designed to help us understand prospective clients’ homeownership goals and general mortgage interests.

Submitting this questionnaire:

• Does not constitute a formal mortgage application

• Does not authorize a credit check

• Does not guarantee preapproval or loan eligibility

• Does not obligate you to purchase a product or service

• Does not establish a formal client or lending relationship

Additional documentation, verification, and disclosures may be required during the mortgage application process.

Professional Relationships

Visiting this website, submitting an inquiry, or scheduling a consultation does not automatically establish a real estate agency, fiduciary, lender-borrower, or other formal professional relationship.

Such relationships are established separately through applicable agreements and disclosures.

Mortgage Programs and Property Information

Information concerning financing programs, property listings, assistance programs, estimated payments, and other real estate matters may change without notice.

Although we strive to provide helpful information, accuracy, availability, and completeness are not guaranteed.

Visitors should independently verify important information before making financial or real estate decisions.

Third-Party Services

This website may use third-party platforms for hosting, customer relationship management, contact forms, communications, and scheduling.

These may include Framer, Jtek, and other authorized service providers.

Third-party platforms may have their own privacy policies and terms of service.

To the extent permitted by law, Michelle Trujillo and KAM Financial & Realty are not responsible for independently operated third-party websites or their content, security, or availability.

Intellectual Property

Unless otherwise stated, original website text, photographs, branding, graphics, and design elements are protected by applicable intellectual property laws.

Unauthorized reproduction or commercial use is prohibited except as permitted by law or with appropriate permission.

Acceptable Use

Visitors agree not to:

• Use the website for unlawful or fraudulent purposes

• Attempt unauthorized access to website systems

• Interfere with website functionality or security

• Submit deliberately false, misleading, or unauthorized personal information

• Misuse website content or intellectual property

Disclaimer of Warranties

This website and its content are provided on an “as available” basis.

To the fullest extent permitted by law, no guarantees or warranties are made regarding uninterrupted availability, accuracy, completeness, or suitability of website information.

Limitation of Liability

To the fullest extent permitted by applicable law, Michelle Trujillo and KAM Financial & Realty disclaim liability for damages resulting from reliance on general website content, website interruptions, or independently operated third-party services.

Nothing in these Terms limits liability that cannot legally be excluded.

Governing Law

These Terms and Conditions are governed by the laws of the State of California, without regard to conflict-of-law principles.

Changes to These Terms

These Terms may be modified periodically. Revised versions will be posted on this website with an updated effective date.

Continued use after an update constitutes acceptance of the revised Terms to the extent permitted by law.

Contact

Questions regarding these Terms and Conditions may be directed to:

Michelle Trujillo
MT Mortgage Loans
Affiliated with KAM Financial & Realty
Email: admin@MTmortgageloans.com