Privacy Policy

1. Who We Are

This website, jcloanofficer.com, is operated by Johnny Calderón, a mortgage loan officer with Efinity Financial LLC, doing business as Efinity Mortgage (NMLS #1043983; Johnny Calderón individual NMLS #2467937), located at 6805 N Capital of Texas Hwy #250, Austin, TX 78731.

2. Information We Collect

Information you give us directly. When you fill out our contact form, request a consultation, or book a call, you may share details like your name, email address, phone number, and information about your home loan goals.

Information collected automatically. Like most websites, we automatically collect some technical information when you visit, such as your IP address, browser and device type, and which pages you view, through tools like Google Analytics.

3. How We Use Your Information

We use the information you provide to respond to your questions, follow up on a consultation or loan inquiry you've started, understand how visitors use this site so we can improve it, and meet legal and regulatory requirements that apply to mortgage professionals.

4. Analytics & Cookies

This site uses Google Analytics to understand how visitors use it, such as which pages are visited and general device or location information. This data is aggregated and doesn't identify you personally. You can review Google's own privacy practices at policies.google.com/privacy. Most browsers let you clear or block cookies through their settings, though doing so may affect how parts of this site work.

5. Third-Party Services

We use trusted outside services to run parts of this website, including JotForm for contact form submissions and Calendly for scheduling consultations. When you use those features, your information is also subject to that provider's own privacy policy.

6. How We Share Information

We don't sell your personal information. We may share it with service providers who help us operate this site and respond to your inquiries, or when required by law.

7. How Long We Keep Your Information

We keep the information you provide for as long as needed to respond to your inquiry and maintain our business records, or as required by applicable law and mortgage industry recordkeeping requirements.

8. Your Rights

You can ask us what information we have about you, request corrections, or ask us to delete information we don't need to keep for legal reasons. You can reach out anytime using the contact information below.

9. Children's Privacy

This website is not directed at children, and we don't knowingly collect personal information from anyone under 13. If we learn that we've collected information from a child under 13, we'll delete it.

10. Texas Consumer Complaint and Recovery Fund Notice

Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's website at www.sml.texas.gov.

11. Changes to This Policy

We may update this policy from time to time. Any changes will be posted on this page.

12. Contact Us

If you have questions about this privacy policy, you can reach Johnny Calderón at 480-740-3626 or johnny.calderon@efinitymortgage.com, or contact Efinity Financial LLC dba Efinity Mortgage at 6805 N Capital of Texas Hwy #250, Austin, TX 78731.