Privacy Policy
Last updated: September 29, 2026
This website is operated by Darryn Stephen, Senior Mortgage Advisor (NMLS #2664300), who is affiliated with Smart Home Loans (NMLS #1734077). We respect your privacy and want to be clear about how information is handled.
Information this website collects
This is an informational website. It does not contain an application form, and it does not intentionally set advertising cookies or use tracking or analytics tools. Your hosting provider may keep standard server logs (such as IP address, browser type and pages requested) for security and operations.
Information you choose to share
If you call, text or email Darryn, he will receive the contact details and any information you provide, and will use it to respond to you and to help with your mortgage inquiry. Please do not send Social Security numbers, account numbers or other sensitive information by regular email or text.
Loan applications and nonpublic personal information
If you apply for a loan, your application is taken through Smart Home Loans and its systems, not through this website. Nonpublic personal information collected in connection with a loan (for example credit, income, employment and asset information) is governed by the Smart Home Loans privacy notice and applicable law, including the Gramm-Leach-Bliley Act.
How information is shared
Information is used to provide the services you request and is shared only as needed to process your inquiry or loan (for example with Smart Home Loans, lenders, service providers and other parties involved in your transaction), as you authorize, or as required by law.
Text messages and mobile information
If you text Darryn, your number is used to respond to you. Mobile information is not shared with third parties for their marketing purposes. Message and data rates from your carrier may apply.
Links to other websites
This site links to other websites, including smarthomeloans.net, nmlsconsumeraccess.org and social media services. Those sites have their own policies, and we are not responsible for their content or practices.
Security and retention
We take reasonable steps to protect information we hold and to keep it only as long as needed for the purposes described or as required by law. No method of transmission over the internet is completely secure.
Children
This website is not directed to children under 13.
Changes to this policy
We may update this policy from time to time. The date above shows when it was last revised.
Contact
Questions? Contact Darryn Stephen at darryn@smarthomeloans.net or (786) 737-4391.