Privacy Policy

Valorem Lending LLC

NMLS #2113868 | 855-825-6736 | info@valoremlending.com

26672 Towne Centre Dr, Foothill Ranch, CA 92610

Effective Date: May 27, 2026

Who We Are

Valorem Lending LLC is a licensed mortgage lender, NMLS #2113868, located at 26672 Towne Centre Dr, Foothill Ranch, CA 92610. This policy explains how we handle your personal information when you contact us, apply for a loan, or interact with our website.

Information We Collect

We collect information you provide to us, including:

Name, phone number, email, and mailing address
Mortgage application details, including income, employment, credit, assets, and property information
Government-issued ID and Social Security number for loan processing

We may also collect basic website usage data, such as your IP address and pages visited, to operate and improve our site.

How We Use Your Information

We use your information to:

Respond to your inquiry and process your mortgage application
Communicate with you about your loan, account, or application status
Verify your identity and eligibility
Comply with legal and regulatory requirements
Send you marketing communications, including text messages, where you have given consent

How We Share Your Information

We do not sell your personal information. We share it only as needed to process your loan, for example, with lenders, credit bureaus, title companies, and other mortgage service providers. We may also share information when required by law.

Text Message Communications

We may send you text messages related to your inquiry, application, or loan. Marketing texts are only sent with your explicit consent.

Your SMS rights:

Reply STOP to unsubscribe from any text at any time.
Reply HELP for assistance.
Message and data rates may apply. Message frequency varies.
We never sell or share your phone number or SMS consent data with third parties for marketing purposes.
Consent to receive texts is not a condition of obtaining a loan.
To manage your SMS preferences online, visit: valoremlending.com/sms-preferences

Data Security

We use industry-standard security measures to protect your personal information. We retain your information as long as necessary to service your loan and meet our legal obligations.

Contact Us

For privacy questions or to make a request about your information:

Phone: 855-825-6736
Email: info@valoremlending.com
Mail: 26672 Towne Centre Dr, Foothill Ranch, CA 92610
Online: valoremlending.com/contact

We may update this policy from time to time. Changes will be posted on this page with a revised effective date.

Valorem Lending LLC | NMLS #2113868 | Equal Housing Lender

SMS Consent & Communication Preferences

Valorem Lending LLC

NMLS #2113868 | 855-825-6736 | info@valoremlending.com

26672 Towne Centre Dr, Foothill Ranch, CA 92610

Effective Date: May 27, 2026

Valorem Lending LLC is a licensed mortgage lender, NMLS #2113868. Our SMS campaigns are registered with The Campaign Registry, TCR, and comply with TCPA, A2P 10DLC requirements, and all applicable carrier messaging guidelines. This document outlines how we obtain, manage, and honor your consent to receive text messages.

Program Information

Program Type: Mortgage Lending
Message Frequency: Varies based on your application or account activity
Standard Rates: Message and data rates may apply
Opt-Out Command: Reply STOP to any message at any time
Help Command: Reply HELP to any message for assistance

Types of Messages We Send

Transactional Messages, sent as part of your loan process:

Application status updates
Document requests and reminders
Loan closing notifications
Account alerts and fraud/security notices

Marketing Messages, sent only with your explicit consent:

Mortgage rate updates and refinancing opportunities
New loan programs and promotions
Homeownership tips and resources

How We Obtain Your Consent

We obtain consent in the following ways:

Web form submission: When you submit your phone number on our website contact or application form, the form includes a disclosure that Valorem Lending may contact you via text regarding your inquiry or application.
SMS Opt-In Page: You may explicitly opt in at valoremlending.com/sms-preferences.
Verbal consent: Collected during phone calls and documented in your loan file.

Consent to receive marketing messages is never a condition of applying for or obtaining a mortgage or any credit product.

How to Opt Out

You may unsubscribe at any time using any of the following methods:

Text STOP: Reply STOP to any text message from Valorem Lending
Online: Visit valoremlending.com/sms-preferences and complete the opt-out form
Phone: Call 855-825-6736 and request to be removed from SMS communications
Email: Send your request to info@valoremlending.com

Opt-out requests are processed within 24 hours. You may re-subscribe at any time.

Protection of Your SMS Data

We do not sell your mobile phone number or SMS opt-in data to any third party.
We do not share your SMS consent records with affiliates or third parties for their own marketing purposes.
SMS data is shared only with vendors who help us deliver messages on our behalf, such as messaging platforms, and only as necessary to operate our communications.
All SMS data is protected using industry-standard security measures.

Contact Us

For questions about our SMS program or to manage your preferences:

Phone: 855-825-6736
Email: info@valoremlending.com
Online: valoremlending.com/sms-preferences
Mail: 26672 Towne Centre Dr, Foothill Ranch, CA 92610

This SMS Consent Policy is part of Valorem Lending's TCR campaign registration. See our full Privacy Policy at valoremlending.com/privacy.

Valorem Lending LLC | NMLS #2113868 | Equal Housing Lender