Privacy Policy

Last updated: May 8, 2026

Rate Edge Home Loans, a DBA of Reliant Home Loans LLC ("we," "our," "us"), respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains what we collect, how we use it, and the choices you have.

1. Information We Collect

When you interact with our website, request a rate quote, or apply for a mortgage, we may collect:

• Personal identifiers: name, address, email, phone, date of birth, Social Security number
• Financial information: income, assets, debts, credit history, employment, property details
• Transaction information: loan amount, property value, FICO score range, loan purpose
• Technical information: IP address, browser type, device, pages viewed, referring URL

2. How We Use Your Information

• To provide rate quotes, loan estimates, and process loan applications
• To verify your identity and creditworthiness
• To communicate with you about your application, products, and services
• To comply with federal, state, and local laws and regulations
• To improve our website, products, and services
• To prevent fraud and protect the security of our systems

3. How We Share Your Information

We share your information only as needed to deliver loan services and as permitted by law. This includes:

• Wholesale lenders and investors who fund or purchase mortgage loans
• Service providers (credit bureaus, appraisers, title companies, escrow agents, document processors, technology vendors)
• Government agencies and regulators when required by law (HUD, CFPB, state regulators, NMLS)
• Affiliates who help us provide services

We do not sell your personal information to third parties for marketing purposes.

4. Your Rights and Choices

You have the right to:

• Request a copy of the personal information we hold about you
• Correct inaccurate information
• Opt out of marketing communications at any time
• Request deletion of your information (subject to legal retention requirements)

Residents of California, Colorado, and other states with privacy laws may have additional rights. Contact us to exercise any of these rights.

5. Data Security

We use industry-standard administrative, technical, and physical safeguards to protect your personal information, including encryption in transit and at rest, access controls, and regular security audits. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

6. Cookies and Tracking

Our website uses cookies and similar technologies to improve user experience, remember preferences, and measure site usage. You can control cookies through your browser settings. Disabling cookies may affect site functionality.

7. Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect information from children.

8. Third-Party Links

Our site may link to third-party websites (e.g., scheduling tools, lender portals). We are not responsible for the privacy practices of those sites. Please review their policies separately.

9. Changes to This Policy

We may update this policy from time to time. The "last updated" date at the top reflects the most recent revision. Continued use of our site after changes constitutes acceptance.

10. Contact Us