I Never Sell Your Data

In much of the online mortgage world, you are not the customer — you're the product. Plenty of "get your rate" websites exist to collect your contact information and sell it, sometimes to dozens of companies at once. If you've ever filled out one mortgage form and spent the next month dodging calls, you've experienced that business model from the inside.

Mine is different, and I'd rather state it as a promise than a complaint:

Solverya never sells, rents, or trades your personal information. Not your name, not your number, not your file. To anyone. Ever.

Your data has one job here: getting your mortgage done well. It is never inventory.

What I collect, and when

The honest structure of it:

• Browsing this site and using the tools costs you nothing in data. The live rates on the homepage and the calculators behind them don't require a name, phone number, or email. You can run your numbers and leave, and I'll never know you were here.
• You choose the moment. I hold your information only when you decide to hand it to me — saving a scenario, requesting a conversation, or starting an application. Every tool is optional, and the point where anonymous becomes known is always a button you pressed, never a form you were tricked into.
• When you apply, I collect what a mortgage genuinely requires. Income, assets, debts, credit — the file needs what the file needs. My working doctrine is full picture, selective use: I'd rather understand everything so I can advise you well, while the file itself carries only what's needed.

How it's protected

As a mortgage originator, I operate under the Gramm-Leach-Bliley Act (GLBA) — the federal law governing how financial institutions handle nonpublic personal information. That means safeguarding requirements, a written privacy notice, and strict limits on sharing. Under GLBA, your information moves only where the loan requires it: to the wholesale lender underwriting your file, the credit bureaus, the appraiser, the closing attorney, and the systems that process your application. That's loan plumbing, not marketing — none of those parties get your data so they can sell you something else, and I never share it for anyone's marketing, period.

The honest part: trigger leads, the leak I can't fully control

Here's what most lenders won't volunteer. When any mortgage company pulls your credit, the credit bureaus themselves can sell that event — the fact that you're mortgage shopping — to other lenders as a "trigger lead." Within a day or two, your phone may light up with companies you've never heard of, sometimes implying they're connected to your lender. They aren't connected to me. I didn't sell you; the bureaus did, and federal law currently permits it.

I'm telling you this before it happens, because you can largely shut it off yourself:

• OptOutPrescreen.com — the official opt-out site run by the major credit bureaus. Opting out removes you from prescreened offer lists, including most trigger leads. You can opt out for five years online, or permanently with a mailed form. Doing this a few days before your credit is pulled works best.
• DMAchoice.org — the Data & Marketing Association's suppression service, which reduces broader marketing mail.
• The Do Not Call Registry (donotcall.gov) adds another layer against the phone calls.

None of this affects your credit or your mortgage. It just makes you quieter to market to — which, around here, I consider a feature.

What you'll never get from me

No lead-selling, as covered. Also: no surprise marketing partners, no "our affiliates may contact you" fine print doing heavy lifting, and no pressure loop if you go quiet. If you use the tools and never call, that was a legitimate use of the tools. Everything they produce is yours — built to serve you with me or with any lender you choose.

Why I run it this way

Selling leads is a real revenue stream, and companies monetize theirs precisely because it pays. I decline it for a simple, self-interested reason: this whole practice is built on trust arriving before the relationship does — rates shown first, math shown first, the economics of how I'm paid shown first. One sold phone number would make all of that a costume. So the vault stays a vault.

If you ever have a question about what I hold and how it's used, ask — you'll get a plain answer from a person, which is how everything works here.