Reverse Mortgage
apply now

Privacy Policy

🔐 Privacy Policy

Effective Date: 01/01/2025
Company: Utmost, LLC
NMLS ID: 2659223

1. Your Privacy Is Our Priority

At Utmost, LLC, we respect your privacy and are committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, and safeguard your information when you apply for or inquire about our mortgage services.

2. Information We Collect

We may collect the following categories of information when you visit our website, submit a loan inquiry, or complete a mortgage application:

  • Personal Information: Name, address, email, phone number, Social Security number, date of birth

  • Financial Information: Income, assets, liabilities, employment, credit history

  • Property Information: Purchase/refinance details, property address, estimated value

  • Credit Information: Credit report and credit score (only with your consent)

  • Browsing Information: IP address, device type, and cookies (if applicable)

3. How We Use Your Information

We use your personal information to:

  • Evaluate your mortgage loan eligibility

  • Process applications and provide loan quotes

  • Obtain and review credit reports (with consent)

  • Communicate with you about your loan

  • Satisfy legal, compliance, and regulatory obligations

4. Credit Pull Authorization

We may perform a soft credit inquiry to pre-qualify you for a mortgage loan, which does not impact your credit score. A hard credit inquiry will only be performed with your express written or electronic consent, typically at the formal loan application stage.

5. Information Sharing

We do not sell your information. We only share your data with:

  • Credit reporting agencies (with consent)

  • Title, escrow, or appraisal companies

  • Loan investors or lenders as required to process your mortgage

  • Federal and state regulators as required by law

  • Our internal processors and technology providers under strict confidentiality

6. How We Protect Your Information

We use industry-standard administrative, technical, and physical safeguards to protect your data from unauthorized access or disclosure, including:

  • Secure socket layer (SSL) encryption

  • Access controls and internal data privacy policies

  • Vendor due diligence and confidentiality agreements

7. Your Rights and Choices

Depending on your state of residence, you may have the right to:

  • Access the personal data we hold about you

  • Request corrections or deletion of your information

  • Opt-out of certain marketing communications

To exercise your rights, please contact us at:
📧 [email protected]
📞 844-488-6678

8. California Consumer Privacy Notice (CCPA)

If you are a California resident, you may request:

  • A summary of the categories of personal information collected

  • The purpose for use and any disclosures made

  • The deletion of your personal data (subject to legal retention obligations)

You can exercise these rights by emailing [email protected] with the subject line: “CCPA Request.”

9. Children’s Privacy

Our services are not directed to children under the age of 18. We do not knowingly collect or solicit personal data from minors.

10. Policy Updates

This Privacy Policy may be updated from time to time. Changes will be posted on this page with a new effective date.

We may use the information you provide to contact you regarding mortgage products, including reverse mortgages, in compliance with applicable lending regulations. By submitting your information on this site, you consent to be contacted by Utmost, LLC (NMLS #2659223) and licensed loan officers, including Vadim Bogdanov (NMLS #234616), via phone, text, or email, even if you are on a federal or state do-not-call list. Standard messaging and data rates may apply.

We do not sell or share your nonpublic personal information with unaffiliated third parties except as permitted by law. Your information may be shared with trusted service providers and lenders for the purpose of providing you with mortgage-related services.

We do not obtain consumer reports or credit scores without your explicit authorization. If you authorize us to do so, it will be solely for the purpose of evaluating your mortgage eligibility. You have the right to request information about the nature and scope of any such report.

You may opt out of marketing communications at any time by replying “STOP” to text messages, clicking “unsubscribe” in emails, or contacting us directly at 1-844-488-6678. We will retain your information only as long as necessary to fulfill the purposes outlined in this policy.

11. Contact Us

If you have questions or concerns about this Privacy Policy, please contact:

Utmost, LLC
NMLS ID: 2659223
📧 Email: [email protected]
🌐 Website: https://utmostpro.com