🔒 Privacy Policy

Last Updated: November 2025

This Privacy Policy explains how your information is collected, used, and protected when you interact with this website, submit information through our forms, or communicate with us via SMS or email. This website and services are operated by Ray Santo, Senior Loan Officer at CrossCountry Mortgage (“we,” “us,” or “our”).
Your privacy and security are extremely important to us.

1. Information We Collect

We may collect the following personal information when you submit a form, schedule a consultation, or communicate with us:

  • Full Name

  • Phone Number

  • Email Address

  • Property or Loan-Related Information

  • What type of loan or service you are seeking

  • Any additional information voluntarily submitted in forms or conversations

2. How We Use Your Information

Your information is used strictly for:

  • Providing mortgage pre-qualification and consultation services

  • Assessing your eligibility for FHA, VA, Conventional, or other loan programs

  • Scheduling and managing your consultation appointments

  • Sending loan-related updates, reminders, or follow-up messages

  • Responding to your questions and requests

  • Processing pre-qualification within the promised 24-hour timeframe

We do not sell, trade, or share your personal information with outside parties for marketing purposes.

3. SMS/Text Messaging Compliance

By submitting your phone number on this website, you agree to receive:

  • Pre-qualification updates

  • Appointment confirmations and reminders

  • Loan-related follow-ups

  • Occasional offers or mortgage-related resources (only as applicable)

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

You may opt out at any time by replying STOP.
Reply HELP for assistance.

Your consent to receive text messages is not required as a condition of applying for or receiving a mortgage loan.

4. Email Communication

When submitting your email, you consent to receive:

  • Loan updates

  • Appointment details

  • Pre-qualification responses

  • Important information required to process your request

You can unsubscribe from marketing emails at any time using the link inside the message.

5. Data Protection & Security

We protect your data using:

  • Bank-level encryption

  • Secure data transmission protocols

  • Restricted access to personal information

  • Secure CRM systems used by CrossCountry Mortgage

Your information is stored securely and only accessible to authorized personnel directly involved in the loan process.

6. Third-Party Sharing

We may share your data only with:

  • CrossCountry Mortgage, LLC

  • Authorized mortgage processors or underwriters

  • Compliance and verification systems strictly required for lending

  • Calendar scheduling and communication platforms (e.g., GHL, Calendly, Zoom)

Your information is never sold or shared for unrelated marketing.

7. Cookies & Tracking

We may use cookies or tracking tools to improve website performance and user experience.
These do not collect sensitive personal information.

8. Your Rights

You may request:

  • Access to your personal information

  • Correction of your information

  • Deletion of your information (where allowed by law)

  • To opt out of any marketing communications

9. Contact Information

For questions regarding this Privacy Policy or your data:
Email: [email protected]
Phone: +1 440-829-7186
Company: CrossCountry Mortgage
Loan Officer: Ray Santo, Senior Loan Officer
NMLS #: 367025