Effective Date: April 22, 2026
Last Updated: April 22, 2026
This Privacy Policy describes how Home Loans by Karyn (“we,” “us,” or “our”), operated by Karyn Weger, NMLS #331142, collects, uses, and protects the personal information of visitors to homeloansbykaryn.com (the “Site”) and individuals who contact us or receive communications from us.
We are committed to protecting your privacy and handling your personal information responsibly and in compliance with applicable federal and California state laws, including the California Consumer Privacy Act (CCPA).
1. Information We Collect
We may collect the following types of personal information:
Information you provide directly:
- Name and contact information (email address, phone number, mailing address)
- Mortgage and financial information you share when inquiring about loan products
- Communications you send to us via email, contact forms, or phone
Information collected automatically:
- IP address and browser type when you visit our Site
- Pages visited and time spent on the Site (via standard web analytics)
- Email engagement data (opens, clicks) when you receive emails from us
2. How We Use Your Information
We use the personal information we collect to:
- Respond to your inquiries about mortgage products and services
- Process loan applications and communicate about your loan
- Send you mortgage rate updates, market information, and loan product information via email
- Maintain our professional relationship with you
- Comply with legal and regulatory obligations applicable to licensed mortgage professionals
- Improve our website and communications
We do not sell your personal information to third parties. We do not use your information for automated decision-making or profiling unrelated to mortgage services.
3. Email Communications
If you are on our email list, it is because you are a past or current client, a real estate professional we work with, or you have requested to receive information from us. Every marketing email we send includes an unsubscribe link. You may opt out of email communications at any time by:
- Clicking the unsubscribe link in any email we send
- Emailing us directly at karyn@homeloansbykaryn.com
We honor all unsubscribe requests promptly. Unsubscribing from marketing emails does not affect communications required for an active loan transaction.
4. How We Share Your Information
We do not sell, rent, or trade your personal information. We may share your information only in the following circumstances:
- With your consent: When you authorize us to share your information as part of the loan application process (e.g., with lenders, title companies, appraisers)
- Service providers: With trusted vendors who assist us in operating our website or communications (such as email delivery services), who are contractually obligated to protect your data
- Legal compliance: When required by law, regulation, court order, or to comply with our obligations as a licensed mortgage professional under federal and California law
- Business protection: To protect the rights, property, or safety of our business, our clients, or others
5. California Privacy Rights (CCPA)
As a California resident, you have the following rights regarding your personal information:
- Right to Know: You may request information about the categories and specific pieces of personal information we have collected about you
- Right to Delete: You may request that we delete personal information we have collected from you, subject to certain exceptions
- Right to Opt-Out: We do not sell personal information, so there is nothing to opt out of in that regard
- Right to Non-Discrimination: We will not discriminate against you for exercising any of your privacy rights
To exercise any of these rights, contact us at karyn@homeloansbykaryn.com or by mail at the address below. We will respond within 45 days as required by California law.
6. Data Security
We take reasonable measures to protect your personal information from unauthorized access, disclosure, or misuse. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
7. Data Retention
We retain personal information for as long as necessary to fulfill the purposes described in this policy, to comply with legal obligations (including mortgage industry record-keeping requirements), and to resolve disputes. Loan-related records are retained in accordance with applicable federal and California regulations.
8. Third-Party Links
Our Site may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.
9. Children’s Privacy
Our Site and services are not directed at individuals under the age of 18. We do not knowingly collect personal information from minors.
10. Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will update the “Last Updated” date at the top of this page. We encourage you to review this policy periodically.
11. Contact Us
If you have questions about this Privacy Policy or wish to exercise your privacy rights, contact us at:
Karyn Weger
Home Loans by Karyn
NMLS #331142
Licensed in California
Email: karyn@homeloansbykaryn.com
Website: homeloansbykaryn.com
Karyn Weger is a licensed mortgage loan originator. NMLS #331142. Licensed by the California Department of Financial Protection and Innovation. Equal Housing Opportunity.