Privacy Policy

Last Updated: 10/16/25

This Privacy Policy explains how Expand Mortgage collects, uses, shares, and protects the personal information we collect through our website, mobile applications, and during the mortgage application process.

Our Commitment to Your Privacy

As a mortgage broker, we are committed to protecting the privacy and security of your personal information. We maintain physical, electronic, and procedural safeguards that comply with federal and state laws and regulations to guard your Nonpublic Personal Information (NPI).

Information We Collect

We collect both Personally Identifiable Information (PII) and Nonpublic Personal Information (NPI), as well as website-related data.

How We Use Your Information

We use your personal information for a variety of business and commercial purposes, including:

Processing and Funding Loans: To review, verify, process, and complete your mortgage loan application and related services.
Customer Service: To respond to your inquiries, provide support, and manage your accounts.
Compliance and Legal Obligations: To comply with all applicable federal and state laws (e.g., GLBA, HMDA), regulations, legal processes, and government requests.
Marketing and Communication: To inform you of our products and services or those of our affiliates/partners, where permitted by law, and to conduct joint marketing with other financial companies.
Security: To detect, prevent, and investigate actual or suspected fraud, misuse, or illegal activities.
Website Improvement: To monitor and analyze website activity to improve our site, products, and services.

How We Share Your Information

We may share your personal information in the following circumstances:

Service Providers: We share information with non-affiliated companies that perform services on our behalf (e.g., appraisers, title companies, credit reporting agencies, and technology vendors). These service providers are legally required to keep your information confidential.
Legal/Regulatory Disclosure: We may disclose your information to respond to subpoenas, court orders, or legal process, or to comply with a legitimate request from a government regulatory agency.

Your Right to Limit Sharing (Opt-Out)

Federal law gives you the right to limit only certain types of sharing.

You have the right to limit:

Our affiliates from using your creditworthiness information to market to you.
Our sharing of your personal information with non-affiliates for joint marketing.

To limit our sharing, please call us at 434-237-3777or mail us a written request to: 18321 Forest Rd, Lynchburg, VA 24502

Your choice to limit sharing will apply until you tell us to change it.

Protecting Your Information

We take security seriously. We use a combination of physical, electronic, and procedural safeguards to protect your NPI and PII from unauthorized access or use. This includes, but is not limited to:

Using encryption technology for data transmission.
Restricting access to your NPI to only those employees who need the information to provide products or services to you.
Implementing firewalls and other technological security measures.

Changes to This Privacy Policy

We may update this Privacy Policy at any time. When we make changes, we will update the "Last Updated" date at the top of this policy. For customers, we will send an updated policy if our information sharing practices change.

Contacting Expand Mortgage

If you have any questions about this Privacy Policy, please contact us:

Phone: 434-237-3777
Email: admin@expandmortgage.com
Mail: Expand Mortgage, Attn: Privacy Officer, 18321 Forest, Rd, Lynchburg, VA 24503