Privacy Policy

FirstTimeBuyerCenter ("we," "us," "our") is operated by Adriel Esparza, a licensed mortgage loan originator (NMLS #237241) with Lower Mortgage. This Privacy Policy explains how we collect, use, share, and protect personal information of visitors and prospective borrowers, including residents of California, in compliance with the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA).

1. Information We Collect

Through our 10-question qualifier and contact forms, we collect information you voluntarily provide, including:

• Full name
• Phone number
• Email address
• Estimated annual household income range
• Estimated credit score range
• County of intended purchase
• Veteran or active-duty military status

We do not collect Social Security numbers, full dates of birth, or perform credit pulls through this website. We may also automatically collect limited technical information such as IP address, browser type, device type, and pages visited via standard analytics tools.

2. How We Use Your Information

We use the information you submit to:

• Estimate which first-time buyer loan programs you may qualify for;
• Contact you by phone, text, or email to discuss mortgage options;
• Begin the loan origination process if you choose to proceed;
• Comply with applicable lending, licensing, and recordkeeping laws.

3. How We Share Your Information

Information you submit is shared with Lower Mortgage (Adriel Esparza's sponsoring lender) for the purpose of pre-qualification and loan origination. It may also be shared with service providers (such as our secure form host and CRM) strictly to deliver the service you requested.

We do not sell or rent your personal information to third parties. We do not share your information with unaffiliated marketers, lead aggregators, or data brokers.

4. Your California Privacy Rights

California residents have the right to: (a) know what personal information we have collected about them; (b) request deletion of that information; (c) correct inaccurate information; (d) opt out of any sale or sharing of personal information (we do not sell or share for cross-context behavioral advertising); and (e) not be discriminated against for exercising these rights.

To request access to or deletion of your personal information, contact us at AEsparza@lower.com or call (714) 493-3693. We will verify your identity and respond within 45 days as required by the CCPA.

5. Data Retention & Security

We retain qualifier and lead information only as long as necessary to provide services and comply with mortgage recordkeeping laws (typically a minimum of 3 years from last contact, longer where required). Information is stored using industry-standard encryption in transit and at rest.

6. Communications & TCPA Consent

By submitting your contact information, you consent to be contacted by Adriel Esparza and Lower Mortgage by phone, SMS, and email regarding your inquiry, even if your number is on a Do-Not-Call list. Message and data rates may apply. You may opt out at any time by replying STOP to any text message or asking to be removed during a call.

7. Changes to This Policy

We may update this Privacy Policy from time to time. The "Last updated" date at the top of the page reflects the most recent changes.

8. Contact

Adriel Esparza, NMLS #237241 · Lower Mortgage · Equal Housing Lender
Email: AEsparza@lower.com
Phone: (714) 493-3693