Privacy Policy

Last updated: 2026

This Privacy Policy explains how information is collected, used, and protected when you visit this website or reach out to Pat Villano (NMLS #412470). Mortgage loans are offered through AnnieMac Home Mortgage, and where a mortgage application is involved, the lender’s own privacy practices also apply. By using this site or submitting your information, you consent to the practices described below.

Information we collect

Depending on how you interact with us, we may collect information from the following sources:

• Information you give us. When you submit a contact form or begin an inquiry, we collect the details you provide — typically your name, email address, phone number, mailing address, program of interest, and anything you share about your situation.
• Application and transaction information. If you move forward with a mortgage, information is gathered from your application forms and from your transactions with the lender and its affiliates.
• Information from consumer reporting agencies. As part of evaluating a loan, information may be obtained from credit and consumer reporting agencies.
• Automatically collected information. Like most websites, we collect standard, non-identifying data such as your IP address, browser type, pages visited, and general location, used only to operate and improve the site.

How we use your information

We use the information you provide to respond to your inquiry, discuss mortgage options, guide you through the lending process, and send service-related communications you’ve requested. We may also use non-identifying data internally for trend analysis and site administration. We do not use information collected from this website to send unsolicited mailings, and we do not sell your personal information to third parties.

Cookies, analytics, and advertising

This site uses cookies to remember your preferences, understand how the site is used, and improve your experience. We use third-party analytics services that gather aggregate, non-identifying usage information, and the Meta (Facebook) Pixel, which uses cookies to measure the effectiveness of our advertising and may be used to show you relevant ads on Meta platforms. You can set your browser to decline cookies, though some parts of the site may not function as intended if you do. You can also manage ad preferences directly in your Facebook settings.

Calls, texts, and email

By providing your phone number or email address, you consent to be contacted by phone, text message, and email for informational and follow-up purposes related to your inquiry. Message and data rates may apply. You can opt out at any time:

• Reply STOP to any text message to stop further texts.
• Use the unsubscribe link in any marketing email.
• Ask us directly by email at pvillano@annie-mac.com or by phone at (732) 497-3870.

Your mobile information will not be shared or sold to third parties or lead generators for marketing purposes without your prior consent.

How we share information

Loans are offered through AnnieMac Home Mortgage. To serve your request, your information may be shared with AnnieMac Home Mortgage and with the service providers involved in processing a mortgage application — such as underwriters, title and settlement providers, and other partners — subject to their own privacy practices and applicable law. We may also disclose information when required by law, or when we believe disclosure is necessary to comply with a legal process or to protect our rights, property, or safety.

State privacy rights

Some states provide additional protections regarding the sharing of your information:

• Vermont. Information about your creditworthiness will not be disclosed to affiliates without your authorization.
• North Dakota. Information will not be shared with nonaffiliated third parties without your explicit consent.

To exercise an affiliate-sharing opt-out through the lender, you may contact AnnieMac Home Mortgage at Privacy_OptOut@annie-mac.com or (888) 636-1335.

Data security

We use industry-standard measures — including secure storage and restricted access — to protect the information you submit. That said, no method of transmission or storage over the internet is completely secure, and we cannot guarantee absolute security.

Your choices

You may review, update, or request deletion of the information you’ve provided by contacting us at pvillano@annie-mac.com or (732) 497-3870. We’ll make reasonable efforts to honor your request, typically within 30 days.

Third-party links

This site may link to other websites we don’t control. We’re not responsible for the content or privacy practices of those sites, and we encourage you to review their policies.

Changes to this policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a revised date, and material changes may be highlighted on the site.

Contact

Questions about this policy or your information? Reach Pat Villano at pvillano@annie-mac.com or (732) 497-3870, or by mail at 700 East Gate Drive, Suite 400, Mt Laurel, NJ 08054.