JCRMG INC is a Real Estate Mortgage Broker
Privacy Policy & Disclaimer – JCRMG INC
Website: https://www.jcrmg.com
Contact: Toll Free 1-888-600-7577 Ext. 1 | PO Box 803, Lawndale, CA 90260
1. Personal Data We Collect
- Comments: Name, email, website, IP address, browser info. Gravatar may access your email hash.
- Media: Avoid uploading images with embedded location (EXIF GPS).
- Contact Forms / Loan Applications: Collected via Zip/Calyx (secure, external platform).
- Cookies: Optional for convenience (login info, preferences, comment forms).
2. How We Use Your Data
- Spam detection and moderation.
- Process loan applications securely via Zip/Calyx.
- Improve website functionality and user experience.
- Compliance with legal and regulatory obligations.
3. Third-Party Data & Embedded Content
- Third-party services (Gravatar, Zip, analytics providers, embedded content) may collect data, use cookies, and track activity.
- JCRMG INC does not control third-party data collection.
4. User Rights
- Request exported personal data or deletion of comments/account info.
- Some data may be retained for legal, security, or administrative reasons.
5. Data Security
- Firewalls, antivirus software, secure emails/links, password protection.
- Procedures in place for data breaches; users notified promptly.
6. Automated Decision Making
- Desktop Underwriter & LP Underwriting may be used to assess eligibility.
- This does not guarantee loan approval.
7. Regulatory & Industry Disclosures
- JCRMG INC: Real Estate Mortgage Broker | Equal Housing Opportunity
- Company NMLS: 2418994 | CA DRE: 02173635
- Joe Frank Cerros: Broker/MLO/Realtor | NMLS 240041 | DRE 01356767
- Doing business in California only. License info: NMLS, CA DRE.
TILA/Reg Z §1026.24: Informational purposes only; not a commitment to lend. Terms, conditions, and programs may change.
RESPA (Reg X §1024.14): No prohibited referral fees or “things of value” for settlement-service referrals.
HUD/FHA & EHO: Any FHA/VA references are educational only. Not acting on behalf of HUD/FHA or any government agency.
FTC Endorsements (16 CFR Part 255): Material connections disclosed clearly and conspicuously.
SAFE Act / NMLS / CA DRE: Company name, license numbers, and NMLS identifiers included on first contact and advertising per DRE RE 858/559.
8. Cookies
- Optional cookies store login info, comment info, and preferences.
- Can be deleted via browser settings.
9. Data Retention
- Comments and metadata retained indefinitely to allow automatic follow-ups.
- User account data can be edited or deleted by the user.
10. Third-Party Data
- Only collected from Zip, lenders we partner with, and website analytics providers.
11. Copyright
JCRMG INC Real Estate Mortgage – (C) Copyrighted by JCRMG INC 2024 – 2050