Privacy Policy

This Privacy Policy describes how Texas Down Payment Assistance ("texasdpa.com," "we," "us," or "our"), operated by the Cook Brothers Mortgage Team at Cornerstone First Mortgage (NMLS #173855), collects, uses, and protects your personal information when you visit our website or use our services.

Information We Collect

Information You Provide

We may collect information you voluntarily provide, including:

• Contact information: name, email address, phone number, and mailing address when you fill out forms, request a consultation, or contact us directly.
• Financial information: household income, credit score range, employment status, and other details you provide through our qualifier quiz, DPA calculator, or loan application process. This information is used to assess your eligibility for down payment assistance programs.
• Property information: desired purchase price, county, and property type when using our tools or requesting program information.
• Communications: any messages, questions, or feedback you send to us via email, phone, or website forms.

Information Collected Automatically

When you visit our website, we automatically collect certain information, including:

• Device and browser information: IP address, browser type, operating system, device type, and screen resolution.
• Usage data: pages visited, time spent on pages, referring URLs, click patterns, and interactions with our tools (such as the DPA calculator and qualifier quiz).
• Location data: approximate geographic location based on your IP address.

How We Use Your Information

We use the information we collect for the following purposes:

• To assess your eligibility for Texas down payment assistance programs (TDHCA and TSAHC programs).
• To respond to your inquiries and provide personalized mortgage and DPA program guidance.
• To process loan applications and facilitate the mortgage process.
• To send you relevant communications about your inquiry, application status, or DPA program updates (with your consent).
• To improve our website, tools, and services based on usage patterns.
• To comply with legal and regulatory requirements applicable to mortgage lending.

Cookies and Tracking Technologies

We use the following cookies and tracking technologies:

• Essential cookies: required for the website to function properly, including session management and security.
• Analytics cookies: we use Google Analytics (GA4) to understand how visitors interact with our website. Google Analytics collects anonymized usage data including pages viewed, session duration, and traffic sources. You can opt out of Google Analytics by installing the Google Analytics Opt-Out Browser Add-on.
• Functional cookies: used to remember your preferences and enhance your experience on the site.

Third-Party Services

We use the following third-party services to operate our website and provide our services:

• Google Analytics (GA4): web analytics service provided by Google LLC. Google Analytics uses cookies to collect anonymized data about website usage. For more information, see Google's Privacy Policy.
• Big Purple Dot CRM: customer relationship management platform used to manage client communications and track loan inquiries. Information you provide through our forms may be stored in Big Purple Dot to facilitate follow-up communications and loan processing.
• Resend: email delivery service used to send transactional and informational emails. Your email address and name may be shared with Resend for the purpose of delivering email communications you have requested or consented to receive.
• Vercel: website hosting platform. Vercel may collect standard server logs including IP addresses and request data.

Data Sharing

We do not sell your personal information to third parties. We may share your information in the following circumstances:

• With Cornerstone First Mortgage (NMLS #173855) for mortgage loan processing and DPA program applications.
• With state agencies (TDHCA, TSAHC) as required for DPA program applications you choose to pursue.
• With the third-party service providers listed above, solely for the purposes described.
• When required by law, regulation, or legal process, including compliance with federal and state mortgage lending regulations.

Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, alteration, or disclosure. These measures include:

• SSL/TLS encryption for all data transmitted through our website.
• Secure storage of sensitive information with access controls.
• Regular review of our data collection, storage, and processing practices.

While we strive to protect your personal information, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security of your data.

Your Rights

Depending on your jurisdiction, you may have the right to:

• Access: request a copy of the personal information we hold about you.
• Correction: request that we correct inaccurate or incomplete personal information.
• Deletion: request that we delete your personal information, subject to legal and regulatory retention requirements.
• Opt-out: unsubscribe from marketing communications at any time by clicking the unsubscribe link in any email or by contacting us directly.
• Data portability: request your personal information in a structured, commonly used format.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations (including mortgage lending record-keeping requirements), resolve disputes, and enforce our agreements. Financial records related to mortgage applications may be retained for the periods required by federal and state regulations.

Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child under 18, we will take steps to delete that information promptly.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or legal requirements. We will post the updated policy on this page with a revised "Last updated" date. We encourage you to review this page periodically for the latest information.

Contact Us

If you have questions about this Privacy Policy or wish to exercise your data rights, please contact us: