Privacy Policy

Who We Are

This website is operated by Josh Catigano, a licensed mortgage loan officer with CMG Home Loans (NMLS #1820), doing business as The FUN Funder. Josh Catigano's individual NMLS number is #1817426. We originate residential mortgage loans for consumers in South Carolina, North Carolina, Georgia, Florida, and Ohio.

Questions about this policy? Email us at [email protected].

Information We Collect

When you use this website or submit a mortgage application, we may collect:

• Contact information — name, email address, phone number, mailing address
• Financial information — income, employment, assets, liabilities, and credit information provided during a loan application
• Property information — address and type of property you are purchasing or refinancing
• Communication data — messages or inquiries you send to us
• Technical data — IP address, browser type, pages visited, and referring URLs collected automatically via cookies and analytics tools

We do not collect sensitive personal data (health information, race, religion, or political views) unless required by law for lending purposes.

How We Use Your Information

We use the information we collect to:

• Process and evaluate your mortgage loan application
• Communicate with you about your loan, rate options, and next steps
• Send educational content, market updates, or mortgage tips (opt out anytime)
• Comply with federal and state lending laws, including TILA, RESPA, ECOA, and applicable state regulations
• Improve this website's performance and content
• Respond to your inquiries and provide customer service

How We Share Your Information

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

We may share your information with:

• CMG Home Loans — as the licensed lender, your application is shared with CMG Home Loans (NMLS #1820) for underwriting, processing, and funding, subject to their own privacy policy
• Settlement service providers — credit bureaus, appraisers, title companies, and escrow agents necessary to complete your transaction
• Technology platforms — our CRM (GoHighLevel), email service providers, and analytics tools that process data on our behalf under data processing agreements
• Legal or regulatory authorities — when required by law, court order, or government authority

Cookies and Tracking Technologies

This website uses cookies and similar technologies to improve your experience and analyze site traffic. These may include essential cookies (required for the site to function), analytics cookies (e.g., Google Analytics), and marketing cookies (e.g., Facebook Pixel). You can disable cookies in your browser settings, though some site features may not work properly as a result.

Data Security

We use reasonable technical and organizational safeguards to protect your personal information from unauthorized access or disclosure. Loan applications are submitted through secure, encrypted connections (HTTPS). No internet transmission is 100% secure, and we cannot guarantee absolute security.

Data Retention

We retain personal information as long as necessary to fulfill the purposes in this policy, comply with legal obligations (federal mortgage record-keeping regulations may require retention for a minimum of three years from the date of loan action), resolve disputes, and enforce our agreements.

Your Rights and Choices

Depending on where you live, you may have the right to access, correct, or delete your personal information; opt out of marketing communications (click "unsubscribe" in any email or contact us directly); and request a portable copy of your data. To exercise any of these rights, email [email protected]. We will respond within 30 days.

California Residents (CCPA)

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to request deletion, and the right to opt out of the sale of personal information. We do not sell personal information. To submit a CCPA request, contact us at the email above.

Children's Privacy

This website is not directed to children under 13, and we do not knowingly collect personal information from children. If you believe we have inadvertently done so, contact us immediately and we will delete it promptly.

Third-Party Links

This website may contain links to third-party sites, including the CMG Home Loans online application portal. We are not responsible for those sites' privacy practices and encourage you to review their policies before submitting personal information.

Changes to This Policy

We may update this Privacy Policy periodically. When we do, we will revise the "Last updated" date above. Continued use of this website after changes are posted constitutes acceptance of the updated policy.

Contact Us

Josh Catigano — The FUN Funder
CMG Home Loans  |  NMLS #1820
Josh Catigano NMLS #1817426
[email protected]