Privacy Policy

USA.loan ("we," "us") is operated by Huitai LLC in connection with mortgage services provided through Derek Huit, NMLS #203980, and Cardinal Financial Company, Limited Partnership, NMLS #66247. This Privacy Policy explains what information we collect, how we use it, and your choices.

Information We Collect

When you request our free homebuyer guide or otherwise interact with this site, we may collect:

• Name, email address, phone number, and ZIP code you submit.
• Your stated loan intent (purchase, refinance, VA, etc.).
• IP address, browser user agent, referrer, and pages viewed (logged via standard web analytics).
• Time and date of submissions and your consent choices.

How We Use Your Information

• Deliver the free guide or other resources you requested.
• Contact you about mortgage products and services by email, phone, or SMS, consistent with your consent.
• Process any mortgage application you choose to submit through Cardinal Financial Company.
• Comply with applicable legal, regulatory, and licensing obligations.
• Improve site performance and security.

SMS and Call Consent (TCPA)

If you check the TCPA consent box and submit the form, you agree to receive calls and text messages (including autodialed or prerecorded messages) and emails from Derek Huit and Cardinal Financial Company, Limited Partnership at the number and address provided. Consent is not a condition of any purchase. Message and data rates may apply. You can reply STOP to opt out of SMS at any time, or contact us to opt out of email or calls.

Sharing of Information

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

• Cardinal Financial Company, Limited Partnership, to process any application you initiate.
• Service providers who help us operate this site and its communication tools (e.g., database, SMS, email delivery vendors), under confidentiality obligations.
• Law enforcement or regulators where required by law.

Data Security

We use reasonable technical and organizational safeguards to protect your information. No system is perfectly secure, and you acknowledge the inherent risk of transmitting information over the internet.

Your Choices

• Opt out of SMS: reply STOP to any message.
• Opt out of email: click the unsubscribe link in any email, or email us directly.
• Request deletion or correction: contact us and we will respond consistent with applicable law.

State Disclosures

This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the state of New York will be accepted through this site. California, Texas, and other state residents may have additional rights; those rights are honored as required by applicable law.

Contact

Questions about this policy? Contact Derek Huit, NMLS #203980, through the application link on this site, or review licensing at cardinalfinancial.com/nmls-licensing.

Powered by Cardinal Financial Company, Limited Partnership | NMLS #66247. Equal Housing Opportunity. Not a commitment to lend.