Michael "Big Sarge" Mesa, Senior Military Mortgage Advisor at Empire Home Loans
Michael "Big Sarge" Mesa, Senior Military Mortgage Advisor
Empire Home Loans
Phone: (253) 324-3463
Email: [email protected]
NMLS# 1464064
Company NMLS# 1839243
Effective Date: March 27, 2026 | Last Updated: March 27, 2026
("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or submit information through our contact forms.
By accessing or using our website, you consent to the practices described in this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access the website or submit any information.
We may collect personal information that you voluntarily provide to us when you:
Fill out contact forms or request rate quotes
Request information about mortgage products
Communicate with us via email, phone, or other channels
Apply for a mortgage loan
This information may include:
Name, email address, phone number, and mailing address
Military service status and branch of service
Credit score range and financial information
Loan purpose and property information
Any other information you choose to provide
When you visit our website, we may automatically collect certain information about your device, including:
IP address and browser type
Operating system and device information
Pages visited and time spent on the site
Referring website or source
We use the information we collect for the following purposes:
To respond to your inquiries and provide requested information
To process and evaluate mortgage loan applications
To communicate with you about loan products and services
To send marketing communications (with your consent)
To improve our website and services
To comply with legal obligations and regulatory requirements
To detect and prevent fraud or unauthorized activity
If you are a resident of the European Economic Area (EEA), we process your personal information based on the following legal grounds:
Consent: You have given us permission to process your personal information for specific purposes
Contract: Processing is necessary for the performance of a contract with you
Legal Obligation: Processing is necessary to comply with legal requirements
Legitimate Interests: Processing is necessary for our legitimate business interests
We may share your personal information with:
Service Providers: Third-party vendors who assist us in operating our business (e.g., email services, hosting providers)
Lending Partners: Financial institutions and investors involved in funding your loan
Regulatory Authorities: Government agencies as required by law (e.g., CFPB, state regulators)
Professional Advisors: Attorneys, accountants, and auditors
Business Transfers: Successors in the event of a merger, acquisition, or sale of assets
We do not sell your personal information to third parties for marketing purposes.
We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements. Generally, we retain mortgage-related records for at least seven (7) years as required by applicable law.
Depending on your location, you may have the following rights regarding your personal information:
Access: Request a copy of the personal information we hold about you
Correction: Request correction of inaccurate or incomplete information
Deletion: Request deletion of your personal information (subject to legal requirements)
Restriction: Request restriction of processing in certain circumstances
Portability: Request transfer of your information to another service provider
Objection: Object to processing based on legitimate interests or for direct marketing
Withdraw Consent: Withdraw consent at any time (without affecting prior lawful processing)
To exercise these rights, please contact us using the information provided in Section 13.
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):
Right to Know: Request disclosure of the categories and specific pieces of personal information we have collected
Right to Delete: Request deletion of your personal information
Right to Opt-Out: Opt-out of the sale of personal information (we do not sell personal information)
Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights
Our website may use cookies and similar tracking technologies to enhance your experience, analyze site usage, and assist in our marketing efforts. You can set your browser to refuse all or some cookies, but this may affect the functionality of our website.
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review the privacy policies of any third-party sites you visit.
Our services are not intended for 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, we will take steps to delete such information.
If you have any questions or concerns about this Privacy Policy or our data practices, please contact us:
Attn: Privacy Officer 4401 Hazel Ave Suite 225 Fair Oaks, CA 95628 Email: Phone: