Michigan Mortgage Privacy Policy
Edward Kalavitz — Licensed Michigan Mortgage Broker | NMLS #138424 | Protecting Your Data Since Day One
This Michigan mortgage privacy policy explains how I collect, use, and protect your personal information. Your privacy matters to me, and I follow all federal and state regulations that govern how your data is handled during the mortgage process.
Please read this Michigan mortgage privacy policy carefully before submitting any information. If you have questions at any time, contact me directly — I’m available 7 days a week including holidays.
Michigan Mortgage Privacy Policy: Introduction
This website, mortgage-and-real-estate-help.com, is personally operated by Edward Kalavitz. This Michigan mortgage privacy policy explains how we collect, use, disclose, and safeguard your information when you visit our site or apply for a home loan. If you do not agree with these practices, please do not submit information through this site.
Important: Independent Contractor Status
Edward Kalavitz is an independent contractor operating under the following licensed companies:
- Mortgage Services: Private Mortgage Guarantee LLC (NMLS #2033317)
- Real Estate Services: Turnkey Realty LLC (License #6501386956)
What this means for your Michigan mortgage privacy policy rights:
- Information you provide may be shared with Private Mortgage Guarantee LLC and/or Turnkey Realty LLC as required to provide services
- Both companies have their own privacy policies that may apply to your information
- Lenders and service providers may interact with Private Mortgage Guarantee LLC directly
We comply with all applicable federal and state privacy laws, including the Gramm-Leach-Bliley Act (GLBA) and the Fair Credit Reporting Act (FCRA). Learn more about Edward Kalavitz and our commitment to client service across all 83 Michigan counties.
Your Consent: By using this site or submitting a mortgage application, you consent to the data practices described in this Michigan mortgage privacy policy.
Michigan Mortgage Privacy Policy: Who Collects Your Information
When you use this site or submit information, your data may be collected and processed by multiple parties. This Michigan mortgage privacy policy identifies each of them clearly.
Edward Kalavitz — Personal Website
This website is personally operated by Edward Kalavitz. Information submitted through this site is received by Edward Kalavitz directly. Contact us anytime with questions about this Michigan mortgage privacy policy.
Private Mortgage Guarantee LLC — Mortgage Services
For mortgage services, Edward operates as an independent contractor under Private Mortgage Guarantee LLC. Your mortgage application information will be shared with and processed by Private Mortgage Guarantee LLC, including pre-approval requests, credit reports, financial documentation, and communications with lenders and underwriters.
Turnkey Realty LLC — Real Estate Services
For real estate services, Edward operates as an independent contractor under Turnkey Realty LLC. If you use real estate services, your information will be shared with Turnkey Realty LLC, including property search preferences, purchase offers, transaction documents, and disclosures.
Data Sharing Between Entities
If you use both mortgage and real estate services, your information may be shared between Private Mortgage Guarantee LLC and Turnkey Realty LLC as necessary to coordinate your transaction. See our full disclosures page for more information.
Michigan Mortgage Privacy Policy: Information We Collect
This Michigan mortgage privacy policy covers three categories of information we collect from users of this site.
Personal Information You Provide
We collect information you voluntarily provide when you submit a pre-approval request, fill out contact forms, communicate via phone or email, or request real estate services. This information may include your name, address, phone number, email address, Social Security number, date of birth, employment information, income, financial accounts, assets, debts, credit history, and property details.
Information Automatically Collected
When you visit our site, we automatically collect IP address and geolocation data, browser type and version, operating system, pages visited, time spent, click patterns, referring website, and device information. This data helps us improve your experience and is governed by this Michigan mortgage privacy policy.
Information from Third Parties
We may receive information about you from credit bureaus (see our credit score requirements page), lenders and mortgage servicers, title companies, appraisers, public records, real estate agents, and Multiple Listing Services (MLS).
Michigan Mortgage Privacy Policy: How We Use Your Information
Per this Michigan mortgage privacy policy, we use the information we collect for four primary purposes.
Mortgage Services
We use your information to process your application, evaluate creditworthiness, match you with appropriate Michigan loan programs, prepare loan documents, coordinate closing, and share necessary details with Private Mortgage Guarantee LLC for lender submission.
Real Estate Services
We use your information to search for properties in our Michigan service areas, schedule showings, prepare purchase offers, negotiate terms, and process transaction documents and disclosures on your behalf.
Marketing and Communication
We may send you newsletters, mortgage tips, rate change notifications, and personalized loan recommendations. You can opt out of all marketing communications at any time as described in this Michigan mortgage privacy policy.
Legal and Security Purposes
We use your information to comply with legal and regulatory requirements, prevent fraud and identity theft, enforce our Terms of Service, and maintain records as required by mortgage and real estate regulations.
Michigan Mortgage Privacy Policy: How We Share Your Information
This Michigan mortgage privacy policy discloses that we may share your personal information with affiliated companies and service providers as described below.
Affiliated Companies
All mortgage-related information is shared with Private Mortgage Guarantee LLC for loan processing and lender coordination. All real estate-related information is shared with Turnkey Realty LLC for transaction processing and MLS access.
Lenders and Service Providers
We share your information with lenders and financial institutions to process your application for FHA, VA, USDA, conventional, and jumbo loans. We also work with credit bureaus, appraisers, inspectors, title companies, and escrow agents as required to close your transaction.
Important: Per this Michigan mortgage privacy policy, we do NOT sell your personal information to third parties for marketing purposes. Any sharing is limited to what is necessary to provide mortgage and real estate services or comply with legal obligations.
Michigan Mortgage Privacy Policy: Data Security
We implement appropriate technical and organizational security measures to protect your personal information in accordance with this Michigan mortgage privacy policy and applicable law.
Our security measures include SSL/TLS encryption for all data transmission, encrypted databases and secure servers, limited employee access on a need-to-know basis, multi-factor authentication for sensitive systems, regular security audits and intrusion detection, and ongoing employee training on data protection.
You can help protect your own information by using strong unique passwords, not sharing login credentials, being cautious of phishing emails, and keeping your contact information current with our office.
Michigan Mortgage Privacy Policy: Data Retention
Per this Michigan mortgage privacy policy, we retain your personal information only as long as necessary to provide services, comply with legal requirements, resolve disputes, and enforce agreements.
Mortgage records are retained for at least 5 years after a loan closes or application is withdrawn, as required by federal lending regulations. Real estate records are kept at least 3 to 6 years after a transaction closes per state real estate regulations. Tax-related records are retained 7 years per IRS guidelines.
Michigan Mortgage Privacy Policy: Your Privacy Rights
This Michigan mortgage privacy policy gives you the following rights depending on your location and applicable laws.
Access and Correction Rights
You may request access to the personal information we hold about you, request corrections to inaccurate or incomplete information, and receive a copy of your personal information in a portable format by contacting us directly.
Opt-Out Rights
You can opt out of marketing emails by clicking “unsubscribe” in any promotional email, opt out of text message marketing by replying “STOP,” and disable cookies through your browser settings at any time.
California Residents — CCPA Rights
California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected and shared, the right to request deletion of personal information, the right to opt out of the sale of personal information (we do not sell personal information), and the right to non-discrimination for exercising privacy rights. To exercise these rights, contact us using the information below.
Michigan Mortgage Privacy Policy: Cookies and Tracking
We use cookies and similar tracking technologies to enhance your experience. This Michigan mortgage privacy policy covers four types of cookies we may use.
Essential Cookies are required for basic site functionality. Analytics Cookies help us understand site usage through tools like Google Analytics. Functional Cookies remember your preferences across sessions. Marketing Cookies track advertising effectiveness for our services.
You can control and delete cookies through your browser settings. Disabling cookies may limit your ability to use certain features including the mortgage calculator and other tools available on this site.
Third-Party Links and External Resources
Our site may contain links to third-party websites. We are not responsible for the privacy practices of those sites. This Michigan mortgage privacy policy applies only to information collected through our site and services.
Helpful external resources include NMLS Consumer Access to verify mortgage licensing, the Consumer Financial Protection Bureau (CFPB) for consumer rights information, and FTC Privacy Resources for federal privacy guidance.
Children’s Privacy
Our site and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you believe we have inadvertently collected information from a minor, please contact us immediately so we can delete it.
Changes to This Michigan Mortgage Privacy Policy
We may update this Michigan mortgage privacy policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make changes, we will update the “Last Updated” date at the top of this policy, post the revised policy on this page, and notify you via email for material changes if we have your email address on file.
We encourage you to review this Michigan mortgage privacy policy periodically to stay informed about how we protect your information.
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What information does this Michigan mortgage privacy policy cover?
This Michigan mortgage privacy policy covers how Edward Kalavitz collects, uses, stores, and protects your personal and financial information when you use our mortgage services, visit our website, or submit loan applications. It includes information about data sharing with affiliated companies and third parties.
How does the Michigan mortgage broker protect my personal information?
We protect your information through SSL/TLS encryption for data transmission, encrypted databases and secure servers, limited employee access on a need-to-know basis, multi-factor authentication, regular security audits, and employee training on data protection practices.
Who has access to my mortgage application information?
Your information may be shared with Private Mortgage Guarantee LLC, lenders processing your application, credit bureaus, title companies, appraisers, and other service providers necessary to complete your mortgage transaction. We do not sell your personal information under any circumstances.
How long does the Michigan mortgage broker retain my personal information?
Mortgage records are retained for at least 5 years after the loan closes or application is withdrawn, as required by federal regulations. Real estate records are kept 3 to 6 years per state regulations. Tax-related records are retained 7 years per IRS guidelines.
What are my rights under this Michigan mortgage privacy policy?
You have the right to access your personal information, request corrections, request deletion subject to legal requirements, opt out of marketing communications, and control cookies. California residents have additional rights under the CCPA as described in this Michigan mortgage privacy policy.
Does the Michigan mortgage broker sell my personal information?
No. We do not sell your personal information to third parties for marketing purposes. Information sharing is strictly limited to what is necessary to provide mortgage and real estate services or comply with legal obligations.
How can I opt out of marketing communications?
You can opt out of marketing emails by clicking “unsubscribe” in any promotional email, opt out of text messages by replying STOP, and disable cookies through your browser settings. Call (616) 633-3692 for any additional opt-out requests.
How do I contact the Michigan mortgage broker about privacy concerns?
Contact Edward Kalavitz at (616) 633-3692 or edward@mortgage-and-real-estate-help.com with any questions about this Michigan mortgage privacy policy. Our office is at 2169 Wealthy St SE, Grand Rapids, MI 49506. We respond to all privacy inquiries within 30 days.
Contact Us About This Michigan Mortgage Privacy Policy
If you have any questions or concerns about this Michigan mortgage privacy policy, please contact:
Edward Kalavitz
2169 Wealthy St SE
Grand Rapids, MI 49506
Phone: (616) 633-3692
Email: edward@mortgage-and-real-estate-help.com
Website: mortgage-and-real-estate-help.com
We will respond to your inquiry within 30 days.
What Michigan Clients Say About Edward Kalavitz
“Very Professional and Thorough”
“Edward’s is very professional and thorough. Had a great experience working with him. Everything went very smooth.”
— Susan Parsley | Google Review
“Works Hard 24/7”
“Ed is wonderful to work with! He is very thorough, experienced, and friendly. Ed works hard 24/7 to give you the best mortgage experience and is always able to help with whatever you need!”
— Justin Schneider | Google Review
“Great to Have 2 in 1”
“Ed was very responsive, knowledgeable, and made our first home buying experience great! He’s a relator and lender, which was great to have “2 in1”. We were able to look at houses and run number the same day. He was very flexible with times we needed to set up showings, as well as very informative and organized with paperwork! I appreciate his expertise greatly!” Ask your Michigan mortgage broker to sanity-check the numbers you have been quoted.
— Mallory Anderson | First-Time Homebuyer | Google Review
“Above and Beyond — Twice”
“Edward is a great relator and loan officer. He helped my fiance and I buy our first home. We called him back when we were ready to sell and buy our forever home. He again went above and beyond to make the process swift and easy. I recommend him to my friends and family who are looking into buying, selling or refinacing their home!”
— Anthony Smolenski | Repeat Client | Google Review
“Up Front, Professional and Most Helpful”
“Edward was up front, professional and most helpful in first determining if I was a good candidate for a mortgage re-Fi. My case was Probably not the easiest , however, he made my “homework” manageable. The closing came sooner than anticipated , thanks to his perseverance, knowledge and professionalism .”
— Dennis Bowman | Refinance Client | Google Review
“Not Only My Realtor — My Friend”
“Edward was an excellent help in the most stressful time of my life. My son passed away in 2018 and I had to sell his home. Edward alleviated some stress by being patient, organized and communicated thoroughly the entire process. He not only was my realtor/loan officer but he was my friend! Highly recommend him for any home needs!”
— Paula Hilliard | Google Review
Edward Kalavitz | Licensed Michigan Mortgage Broker | NMLS #138424
Private Mortgage Guarantee LLC | NMLS #2033317 | 2169 Wealthy St SE, Grand Rapids, MI 49506 | (616) 633-3692
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Equal Housing Lender. This Michigan mortgage privacy policy governs all data collected through this website. Licensed to originate mortgage loans in Michigan. This is not a commitment to lend.