Qualified Home Mortgage · CA & NV

Privacy Policy — Qualified Home Mortgage

Effective Date: January 1, 2026
Last Updated: July 2026

Qualified Home Mortgage, operated by Steven “Harry” Protopappas (NMLS #2543750), a licensed Mortgage Loan Originator with NEXA Mortgage LLC (NMLS #1660690), is committed to protecting the privacy of visitors to qualifiedbyharry.com and clients who contact us for mortgage services.

This policy explains what information we collect, how we use it, and your rights regarding that information. If you have questions, contact us directly.

Information We Collect

Information You Provide

When you submit a contact form, call, email, or apply for a mortgage, we may collect:

Name, phone number, email address
Property address and purchase/refinance details
Financial information required for mortgage qualification (income, assets, credit authorization)
Any other information you voluntarily share

Information Collected Automatically

When you visit this website, standard web analytics tools may collect:

Browser type and device information
Pages visited and time on site
Referring URL (how you found us)
IP address (anonymized where possible)

We use this data only to understand how the site is being used and to improve it. We do not sell this data.

How We Use Your Information

To respond to your inquiry — if you contact us, we use your information to reply
To process mortgage applications — we share your financial information with lenders as part of the loan process, with your consent
To communicate about your loan — status updates, document requests, rate changes relevant to your application
To send educational content — only if you opt in; we do not send unsolicited marketing to anyone who hasn’t asked for it
To comply with legal and regulatory requirements — as a licensed mortgage loan originator, we are subject to state and federal regulations including those enforced by the Consumer Financial Protection Bureau (CFPB)

Mortgage-Specific Disclosures

When you apply for a mortgage, we are required by federal law to share certain information with lenders and third parties as part of the application and underwriting process. This includes credit bureaus, title companies, appraisers, and the lender(s) to whom your loan is submitted. This sharing is governed by:

Truth in Lending Act (TILA / Regulation Z)
Real Estate Settlement Procedures Act (RESPA / Regulation X)
Gramm-Leach-Bliley Act (GLBA) — governs how financial institutions handle non-public personal information

You will receive required federal disclosures (Loan Estimate, Closing Disclosure, and privacy notices) at the appropriate stages of your loan application.

Information Sharing

We do not sell, rent, or trade your personal information to third parties for marketing purposes. We share your information only:

With lenders and service providers as part of the loan origination process, with your consent
As required by law, court order, or regulatory authority
With NEXA Mortgage LLC (NMLS #1660690) as the company through which loans are originated

Data Security

We take reasonable steps to protect the information you share with us. Sensitive financial documents should be shared through secure methods — we will provide a secure document portal link when you begin a loan application. Do not email unencrypted sensitive documents (Social Security numbers, full bank statements) unless using a secure transfer method we’ve set up for you.

Cookies

This site may use cookies for analytics purposes (e.g., Google Analytics). Cookies are small files stored on your device that help us understand site traffic. You can disable cookies in your browser settings; doing so will not affect your ability to use this site or contact us.

Your Rights

Depending on your state of residence, you may have the right to:

Access the personal information we hold about you
Request correction of inaccurate information
Request deletion of your information (subject to legal and regulatory retention requirements)
Opt out of marketing communications at any time

California residents have additional rights under the California Consumer Privacy Act (CCPA). To exercise any of these rights, contact us.

Nevada residents: Nevada law (NRS 603A) provides similar opt-out rights regarding the sale of personal information. We do not sell personal information.

Third-Party Links

This site links to external resources including government agencies, educational sites, and industry sources. We are not responsible for the privacy practices of those sites. Links to external sites (such as the CFPB, HUD, VA, Fannie Mae, and others) are provided for educational purposes.

Children’s Privacy

This website is not directed at children under 13. We do not knowingly collect information from children.

Changes to This Policy

We may update this policy as our practices change or as required by law. The “Last Updated” date at the top of this page reflects the most recent revision.

Contact Us

📞 (775) 525-1595
✉️ info@qualifiedhomemortgage.com
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