Privacy Policy

Last Updated: November 2025

This Privacy Policy explains how BestAlabamaMortgageRates.com (“the Website”) collects, uses, stores, and protects your information. This Website is operated independently by Aaron Rose, Senior Loan Officer with Valley Lending (NMLS# 2750071). Valley Lending is a licensed mortgage brokerage (NMLS# 2636235).

By using this Website, you consent to the practices described in this Privacy Policy and the Terms and Conditions.

1. Information We Collect

We collect both personal and non-personal information when you:

Submit a contact form
Request a pre-qualification
Apply for a mortgage
Sign up for email updates
Use our calculators or tools
Interact with the site in any way

Personal Information May Include:

Name
Email address
Phone number
Property information
Loan preferences
Income or employment information (if voluntarily provided)
Information submitted during pre-qualifications or loan applications

Non-Personal Information May Include:

Browser data
Device type
IP address
Pages visited
Time spent on the site

This information helps us understand your needs and improve our website.

2. How Your Information Is Used

Information is used for:

Mortgage consultation and pre-qualification
Processing loan applications through Valley Lending
Communicating with you about your mortgage inquiry
Verifying your identity and documentation
Providing personalized loan options
Website analytics and performance improvement
Sending optional educational or marketing emails (opt-out anytime)

We do not sell or rent your information to third parties.

3. Who Your Information Is Shared With

Your information may be shared with:

A. Valley Lending (NMLS 2636235)

For the purpose of:

Mortgage origination
Pre-approval
Processing
Underwriting
Compliance

B. Approved Lender Partners

Valley Lending works with a wide lender network including (but not limited to):

Rocket Mortgage, Plaza Home Mortgage, Village Capital & Investment, 5th Street Capital, AFR Wholesale, Angel Oak Mortgage, Cardinal Financial, Champions Funding, ClearEdge Lending, COMMUNITY Savings, Deephaven Mortgage, EPM, Finance of America, Flyhomes Mortgage, Freedom Mortgage, Gold Star Wholesale, HomeXpress Mortgage, JMAC Lending, Kind Lending, LendSure, Loan Simple, Loan Stream, Newrez Wholesale, Orion Lending, PacRes, Pennymac TPO, PowerTPO, PRMG, Spring EQ, The Loan Store.

Not all lenders offer all loan programs.

We share only the information necessary to determine eligibility and obtain loan options.

C. Required Third Parties

Only when necessary for:

Credit checks
Identity verification
Compliance with federal/state laws
Fraud prevention

We never share your information with anyone unrelated to the mortgage process.

4. Cookies & Tracking

This Website may use cookies and analytics tools (such as Google Analytics) to improve:

User experience
Website performance
Marketing effectiveness

You can disable cookies in your browser at any time.

5. Data Security

We take data protection seriously.

Your information is stored using secure industry-standard methods, including:

Encrypted transmissions
Secure servers
Access-restricted systems
Compliance with GLBA, TILA, RESPA, and federal privacy laws

However, no online transmission can be guaranteed 100% secure.

6. Third-Party Links

This Website may contain links to third-party resources (e.g., Bankrate, Mortgage News Daily, calculators, lender websites).
We are not responsible for the privacy practices of those websites.

7. Your Rights

You have the right to:

Request a copy of your stored personal information
Request correction of inaccurate information
Request deletion of stored data (where legally permissible)
Opt out of marketing emails at any time

To make a request, email: aaron@valleylending.com

8. Children’s Privacy

This Website does not knowingly collect personal information from children under 18.
If you believe your child submitted information, contact us immediately.

9. Changes to This Policy

We may update this Privacy Policy at any time.
The “Last Updated” date will reflect changes.

10. Contact Information

Aaron Rose
Senior Loan Officer – Valley Lending
NMLS# 2750071
📧 aaron@valleylending.com
📞 (251) 238-7553
📍 Mobile, AL 36604