Privacy Policy

What we collect, how we use it, who sees it, and how to stop it — including email and text message communications.

Effective date: August 15, 2026 · Last updated: August 15, 2026

1. Who we are

VeteranHomeLoans.com is the mortgage practice of Matthew Bell, a licensed mortgage loan originator with CMG Home Loans (NMLS# 665258, CMG NMLS# 1820, Branch NMLS# 2428237). This policy explains what information the site collects, how it is used, who it is shared with, and the choices you have. The site serves veterans, active-duty service members, and military families. It is not affiliated with, endorsed by, or acting on behalf of the U.S. Department of Veterans Affairs or any government agency.

Questions about this policy: matthew@veteranhomeloans.com.

CMG Home Loans notices. CMG is the licensed lender, and any mortgage application you submit is governed by its notices as well as this policy. CMG publishes two separate documents: its website privacy policy, which covers use of its online platforms, and its privacy notice, which is the federal financial privacy notice describing what is shared with affiliates and the choices you have to limit it. Where this policy and CMG's notices differ on the handling of information collected during a loan application, CMG's notices govern.

2. Information we collect

Information you give us

• Contact details — first name, last name, email address, phone number, and U.S. state, when you submit a form on this site.
• Situation details — the answers you choose to give about what you are trying to accomplish, such as property type, timing, or the option you are weighing. You decide how much to share.
• Scheduling details — if you book a consultation, the time you select and anything you enter on the booking form.
• Messages — anything you send us by form reply or email.

Information collected automatically

• Device and usage data — IP address, browser type, pages viewed, time on page, and the site that referred you.
• Advertising identifiers — if you arrive from a Google ad, the click identifier Google appends to the link is stored in a first-party cookie named tla_gclid for up to 90 days, and submitted with your form so we can tell which advertising produced an enquiry. It contains no name, email, or phone number.

We do not ask for, and the forms on this site do not collect, Social Security numbers, dates of birth, account numbers, or income documentation. Information of that kind is collected only inside CMG's secure loan application system, which is governed by CMG's own privacy notice.

3. Email and text message communications

How you opt in

Forms on this site include a consent checkbox. Ticking it, and submitting the form, is how you consent to receive email and text message communications from us at the address and number you provide. The box is not pre-ticked, and if you leave it unticked, the form is not submitted.

What we send

Messages relate to the enquiry you made — answering your question, confirming or rescheduling an appointment, requesting information needed to answer you, and following up on a conversation already underway. Texts are sent by a person or on a person's behalf. They are conversational rather than bulk marketing broadcasts.

Frequency

Message frequency varies with your conversation. There is no fixed schedule and no recurring campaign.

How to stop

Reply STOP to any text to opt out. You will receive one confirmation and no further texts. Reply HELP, or email matthew@veteranhomeloans.com, for help. To stop emails, use the unsubscribe link or reply asking us to stop.

Carriers

Message and data rates may apply and are charged by your wireless carrier. We do not charge for text messages. Wireless carriers are not liable for delayed or undelivered messages.

We do not sell or share your mobile number with third-party marketers, and we do not share it for their own marketing purposes under any circumstances.

4. How we use your information

• To answer the question you asked and discuss options that may fit your situation.
• To contact you by email, phone, or text where you have consented.
• To schedule and confirm consultations.
• To keep a record of your enquiry in our client-relationship system so the conversation carries forward.
• To measure which advertising and which pages produce enquiries, so we spend less on advertising that does not help anyone.
• To meet record-keeping obligations that apply to licensed mortgage originators.

5. Advertising and measurement

This site uses the following measurement and advertising services. Each one sets its own cookies or identifiers, subject to its own privacy policy.

These services may allow you to be shown our advertising again on other sites. They do not receive your name, email address, or phone number from this site.

6. Who we share it with

We do not sell or rent your personal information. We share it only with the providers needed to operate this practice, and only for that purpose:

• Salesforce (our client-relationship system, provided through Jungo) — stores your enquiry and our correspondence, and delivers text messages sent from it.
• Calendly — scheduling, if you book a consultation.
• CMG Home Loans / CMG Mortgage, Inc. — the licensed lender. If you decide to move forward, your information is used within CMG's systems under CMG's own privacy notice.
• Cloudways — website hosting.
• Google, Meta, and OpenAI — advertising measurement, as described in Section 5.

We may also disclose information where required by law, or to protect rights, safety, or property.

7. How we protect it

• The entire site is served over HTTPS.
• Enquiries are transmitted directly into Salesforce rather than stored on this website. This site keeps no database of enquiries.
• Access to the client-relationship system is restricted to Matthew Bell and authorised staff, and is protected by individual logins.

No method of transmission over the internet is completely secure, and we cannot guarantee absolute security. Please do not send Social Security numbers, account numbers, or income documents by email or through a form on this site.

8. Your choices

• Text messages — reply STOP to any message.
• Email — use the unsubscribe link, or reply asking us to stop.
• Your record — email matthew@veteranhomeloans.com with the subject line "Privacy request" to ask what we hold about you, to correct it, or to ask us to delete it. We will respond within 30 days. Some records must be retained where mortgage regulations require it, and we will tell you if that applies.
• Analytics — install the Google Analytics Opt-out Browser Add-on, or use a browser that blocks tracking by default.
• Advertising — adjust Google Ad Settings and your Meta ad preferences. Clearing your cookies removes the tla_gclid cookie.
• Do Not Call — you may ask to be added to our internal do-not-call list at any time by emailing us.

9. Children

This site is intended for adults aged 18 and over. We do not knowingly collect information from anyone under 18. If you believe a minor has given us information, email us and we will delete it.

10. Mortgage disclosures

Matthew Bell is a licensed mortgage loan originator with CMG Home Loans, a division of CMG Mortgage, Inc. NMLS# 665258. CMG NMLS# 1820. Branch NMLS# 2428237. Equal Housing Lender.

This site provides information and is not a commitment to lend. All loans are subject to credit approval. Programs, rates, terms, and conditions are subject to change without notice. Licensing information is available through the NMLS Consumer Access database.

11. Changes to this policy

If we materially change how we handle your information, we will update this page and revise the "Last updated" date above. Minor edits are made without further notice.

12. Contact

Privacy questions: matthew@veteranhomeloans.com

Mortgage questions: contact Matthew Bell through any form on this site.