GLBA Privacy Notice
Privacy Policy
Your privacy matters to us. Here's how we collect, use, and protect your personal information.
Effective Date: January 1, 2025
MH Services Corporation ("MH Services," "we," "us," or "our") is committed to protecting the privacy of your personal information. This Privacy Policy describes how we collect, use, share, and safeguard your information in accordance with the Gramm-Leach-Bliley Act (GLBA) and applicable state and federal regulations.
MH Services Corporation is a consumer lending broker licensed in Arizona, California, and Texas. NMLS #296451.
Information We Collect
We collect personal information necessary to evaluate your loan application and provide our services, including:
- Identifying information such as your name, address, date of birth, and Social Security number
- Employment and income information including pay stubs, W-2s, and tax returns
- Financial information such as bank account statements, existing debts, and assets
- Credit information obtained through credit reporting agencies (soft credit pull for pre-qualification)
- Property information about the manufactured home including make, model, year, and serial number
- Contact information including phone number and email address
How We Use Your Information
We use your personal information to:
- Evaluate your loan application and determine eligibility
- Match you with appropriate lending programs from our lending partners
- Process and facilitate your loan through closing
- Communicate with you about your loan status and required documentation
- Comply with federal and state regulatory requirements
- Improve our services and customer experience
How We Share Your Information
We share your personal information only as necessary to process your loan application and provide our services. We may share information with:
- Our lending partners for loan processing, underwriting, and funding
- Credit reporting agencies to obtain your credit report
- Title and escrow companies involved in your loan closing
- Insurance companies for verification of coverage
- Federal and state regulators as required by law
- Service providers who assist us in operating our business, subject to confidentiality agreements
We do not sell your personal information.
Your information is shared only for the purpose of processing your loan and providing services you have requested.
SMS / Text Messaging Data
If you opt in to our SMS program, we collect and process your mobile phone number and SMS consent records to send you loan-related notifications, verification codes, document requests, and appointment reminders. See our Terms of Service for full program details.
SMS Data Is Never Sold or Shared for Marketing
Mobile phone numbers and SMS opt-in consent are not shared with third parties, affiliates, or partners for marketing purposes. This data is used exclusively to deliver the loan-related messages you have consented to receive.
What We Collect for SMS
- Mobile phone number
- Opt-in timestamp and method (web form, verbal, text keyword)
- Message delivery status and opt-out requests
- Communication audit logs (required by GLBA and TCPA)
How We Use SMS Data
- Deliver one-time verification codes (2FA) for secure login
- Send loan application status updates
- Request documents and stipulations needed to process your loan
- Send appointment reminders and closing coordination messages
You may opt out of SMS at any time by replying STOP to any message, or by contacting us at (949) 315-7600. See our Terms of Service for full SMS program details including frequency, opt-in methods, and supported carriers.
Our Lending Partners
As a consumer lending broker, we work with the following lending partners to process and fund manufactured home loans:
Established national manufactured home lenders
Credit union lending partners
Regional lending partners in select states
Your personal information may be shared with one or more of these lending partners as part of the loan application and underwriting process. Each lending partner has their own privacy policies governing the use of your information once received.
Your Rights Under GLBA
Under the Gramm-Leach-Bliley Act, you have the right to:
- Know how your personal information is collected and used
- Opt out of certain information sharing with non-affiliated third parties
- Request information about what personal data we hold about you
- Have your information protected by appropriate security safeguards
- Receive notice of our privacy practices annually (for existing customers)
Data Security
We maintain physical, electronic, and procedural safeguards to protect your personal information. Access to your information is restricted to employees and service providers who need it to perform their duties. We use industry-standard encryption and security measures to protect your data during transmission and storage.
Cookies and Website Analytics
Our website may use cookies and similar technologies to improve your browsing experience and analyze website traffic. These technologies do not collect personal financial information. You can control cookie settings through your browser preferences.
Changes to This Policy
We may update this Privacy Policy from time to time. When we make material changes, we will notify you by posting the updated policy on our website with a revised effective date. We encourage you to review this policy periodically.
Contact Us
If you have questions about this Privacy Policy or wish to exercise your rights regarding your personal information, please contact us:
Your Home Is Waiting
Take the first step today. Our team is ready to help you find the right loan for your manufactured home.