Note: This Privacy Policy is provided as a general template for informational purposes. It is recommended that you have this document reviewed by a licensed attorney familiar with mortgage industry regulations, TCPA compliance, and applicable state and federal privacy laws before publishing.
This Privacy Policy describes how Tera Sommer, operating as Home Loans By Tera under Ease Mortgage (NMLS #2273319), collects, uses, and shares information about you when you visit our website, submit a form, or communicate with us about mortgage services.
1 Information We Collect
We collect information you provide directly to us, as well as certain information automatically when you visit our website.
Information you provide directly:
- Full name, email address, and phone number
- Property address or location you are interested in
- Loan type or financing goal (purchase, refinance, investment)
- General information about your financial situation as it relates to mortgage inquiries
- Messages or questions you send through our contact form
- Communications via email, phone, or text message
Information collected automatically:
- IP address and approximate geographic location
- Browser type and device information
- Pages visited and time spent on the site
- Referring website or source
- Cookie and tracking technology data (see Section 5)
2 How We Use Your Information
We use the information we collect to:
- Respond to your mortgage inquiries and pre-qualification requests
- Provide loan information, rate quotes, and financing guidance
- Contact you via phone, email, or text message about your inquiry
- Send mortgage-related updates, rate alerts, and educational content (with your consent)
- Comply with federal and state mortgage lending regulations
- Improve our website and marketing communications
- Maintain records as required by applicable law and licensing requirements
We will not use your information for purposes unrelated to mortgage services or your request without your consent.
3 Text Message Consent (TCPA)
By providing your phone number and checking the applicable consent boxes on our contact form, you expressly consent to receive text messages from Home Loans By Tera / Ease Mortgage. The following terms apply:
Non-Marketing Text Messages
If you opt in to non-marketing communications, you may receive transactional text messages related to your mortgage inquiry — such as appointment confirmations, document reminders, and loan status updates.
Message frequency varies. Message and data rates may apply. Reply HELP for assistance. Reply STOP at any time to opt out.
Marketing Text Messages
If you opt in to marketing communications, you may receive promotional messages including special programs, rate alerts, refinance opportunities, and mortgage-related offers.
Message frequency may vary. Message and data rates may apply. Reply HELP for assistance. Reply STOP at any time to opt out of marketing messages.
Opting out of text messages will not affect your ability to receive services. You may also contact us directly at (810) 333-1698 or [email protected] to manage your communication preferences.
4 Sharing Your Information
We do not sell your personal information. We may share your information in the following limited circumstances:
- Wholesale lenders and mortgage partners — to process your loan application and obtain rate quotes on your behalf, with your consent
- Ease Mortgage (NMLS #2273319) — our sponsoring mortgage company, for compliance, licensing, and operational purposes
- Service providers — including GoHighLevel (CRM), loan origination software, and communication platforms used to manage our business operations
- Legal or regulatory authorities — when required by law, regulation, or valid legal process
- Business transfers — in the event of a merger, acquisition, or sale of business assets
Any third parties who receive your information are required to handle it in accordance with applicable privacy laws and are prohibited from using it for purposes beyond those described here.
5 Cookies & Tracking
Our website may use cookies and similar tracking technologies to improve your browsing experience and analyze site traffic. These may include:
- Essential cookies — required for the website to function properly
- Analytics cookies — used to understand how visitors interact with the site (e.g., Google Analytics)
- Marketing cookies — used to deliver relevant content and track the effectiveness of advertising campaigns
You can control cookie preferences through your browser settings. Disabling certain cookies may affect the functionality of some features on this site.
6 Data Security
We take reasonable technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These include the use of secure platforms, encrypted communications, and limited access controls.
However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security. If you believe your information has been compromised, please contact us immediately.
7 Your Rights & Choices
Depending on your location, you may have certain rights regarding your personal information, including:
- Access — the right to request a copy of the personal information we hold about you
- Correction — the right to request correction of inaccurate or incomplete information
- Deletion — the right to request deletion of your personal information, subject to legal retention requirements
- Opt-out of communications — the right to opt out of marketing emails or text messages at any time
- Data portability — the right to receive your data in a portable format where applicable
To exercise any of these rights, please contact us at [email protected]. We will respond to all requests within a reasonable timeframe and in accordance with applicable law.
8 Third-Party Links
Our website may contain links to third-party websites, including lender portals, real estate tools, and educational resources. We are not responsible for the privacy practices or content of those sites.
We encourage you to review the privacy policy of any third-party site before submitting personal information. This Privacy Policy applies only to homeloansbytera.com and our direct communications with you.
9 Children's Privacy
Our website and mortgage services are intended for adults 18 years of age and older. We do not knowingly collect personal information from children under the age of 13.
If you believe a child has submitted personal information to us, please contact us immediately and we will take steps to remove that information from our records.
10 Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or applicable law. When we make material changes, we will update the "Last Updated" date at the top of this page.
We encourage you to review this policy periodically. Your continued use of our website or services after any changes constitutes your acceptance of the updated policy.
11 Contact Us
If you have questions, concerns, or requests related to this Privacy Policy or your personal information, please contact us: