Who we are
This Privacy Policy explains how Home Central Financial (doing business as Reverse Mortgage Plus), a California-licensed mortgage brokerage, handles information collected through this website. References to "we," "us," or "our" mean Home Central Financial. Your loan officer is Miguel A. Vazquez, NMLS #401212.
By using this website or submitting a form, you agree to the practices described here.
Information you provide to us
When you contact us, request an estimate, use the live chat, or complete an online inquiry, you may give us information such as:
- Your name, age or date of birth, and the age of a co-borrower or spouse
- Contact details such as phone number, email address, and home or property address or ZIP code
- Property and financial details you choose to share, such as estimated home value, existing mortgage balance, and your goals
- The content of messages you send us through forms or live chat
Information collected automatically
Like most websites, we and our analytics and advertising providers may automatically collect technical information such as your IP address, device and browser type, pages viewed, referring website, and marketing campaign parameters (UTM tags). This is collected through cookies and similar technologies.
How we use your information
- Respond to your questions and provide reverse mortgage information and estimates
- Contact you by phone, text message, or email about your inquiry and the services you requested
- Connect you, when appropriate, with independent HUD-approved counseling and with lenders to process a loan you request
- Operate, secure, and improve our website and measure marketing performance
- Comply with applicable laws and licensing and lending requirements
Communications and consent
If you provide your phone number, you consent to be contacted by phone and, where you opt in, by text message (SMS) about your inquiry. Message and data rates may apply. You can opt out of text messages at any time by replying STOP, and you can unsubscribe from marketing emails using the link in those emails. Consent to marketing contact is not a condition of any loan or service.
Our live chat sends your message to the broker by text message so he can reply quickly. Do not send sensitive information (such as a Social Security number) through chat, email, or web forms.
How we share information
We do not sell your personal information for money. We share information only as needed to provide the services you ask for or as required by law, including with:
- Service providers who host our site, send our email and text messages, and provide analytics on our behalf
- Lenders, settlement service providers, and independent counseling agencies involved in a loan you request
- Any customer-relationship or marketing platform we use to manage your inquiry
- Government agencies or others when required by law, regulation, subpoena, or to protect our legal rights
Cookies, analytics, and advertising
We use cookies and similar technologies for site functionality, analytics (such as Google Analytics), and advertising measurement (such as Google Ads and Meta). Where required, advertising and non-essential tracking technologies load only after you consent. You can control cookies through your browser settings; disabling some cookies may affect how the site works.
Your California privacy rights (CCPA/CPRA)
If you are a California resident, you have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, to request that we delete or correct your personal information, and to opt out of the sharing of your information for cross-context behavioral advertising. We will not discriminate against you for exercising these rights.
To exercise any of these rights, contact us at miguel@reversemortgageplus.net or (562) 881-9811. We may need to verify your identity before responding.
Data retention and security
We keep personal information only as long as needed for the purposes described here or as required by law and recordkeeping obligations that apply to mortgage brokers. We use reasonable administrative, technical, and physical safeguards to protect your information, though no method of transmission or storage is completely secure.
Children's privacy
This website is intended for adults and is not directed to children. We do not knowingly collect personal information from anyone under 18.
Third-party links
Our site may link to third-party websites, such as the official HUD counselor directory or NMLS Consumer Access. We are not responsible for the privacy practices of those sites; please review their policies.
Changes to this policy
We may update this Privacy Policy from time to time. The most current version will always be posted on this page with a revised “Last updated” date.