Novel Home Loans respects your privacy.
Please review our PRIVACY POLICY and our TERMS AND CONDITIONS below.
Effective date: October 7, 2026
Last updated: October 7, 2026
PRIVACY POLICY:
Your privacy is important to us. It is our policy to respect your privacy regarding any information we may collect from you on our website and other sites we own and operate.
Information we collect
We only ask for personal information when we truly need it to provide a service to you. This may include your name, phone number, email address and mailing address. If you apply for a loan, we may also collect information about your income, employment, assets, debts, Social Security number and credit history. We collect it by fair and lawful means, with your knowledge and consent. We also let you know why we are collecting it and how it will be used.
How we use and share your information
We use your information to answer your questions, review your loan options and process your application. To do that, we need to share your information with certain companies, for example: lenders and investors who may approve or fund your loan, credit reporting agencies, appraisers, title and escrow companies, insurers, and service providers who help us run our business. We also share information when required by law, for example with regulators or in response to a court order. We do not sell your personal information. We do not share your information with other companies so they can market their own products to you.
Federal privacy notice
As a mortgage company, we comply with the Gramm-Leach-Bliley Act and other federal privacy laws. If you apply for a loan, you will receive our formal privacy notice, which explains what information we share and your rights. Because we do not share your information with third parties for marketing purposes, you do not need to take any action to limit that kind of use.
How long we keep your information
We only retain collected information for as long as necessary to provide you with your requested service, or for as long as the law requires us to keep loan records. What data we store, we will protect within commercially acceptable means to prevent loss and theft, as well as unauthorized access, disclosure, copying, use or modification.
California residents
If you live in California, the California Consumer Privacy Act (CCPA/CPRA) gives you rights over the personal information we collect through this website, including the right to:
- know what personal information we collect and how we use it;
- ask us to delete your personal information;
- ask us to correct inaccurate information;
- ask us not to sell or share your personal information for targeted advertising; and
- not be treated differently for using these rights.
Information we collect to process a loan is protected by federal law and may not be covered by some of these rights. To use any of these rights, contact us using the information at the bottom of this page. We honor browser opt-out signals such as Global Privacy Control.
Links to other sites
Our website may link to external sites that are not operated by us. Please be aware that we have no control over the content and practices of these sites and cannot accept responsibility for their respective privacy policies.
Your choices
You are free to refuse our request for your personal information, with the understanding that we may be unable to provide you with some of your desired services. Your continued use of our website will be regarded as acceptance of our practices around privacy and personal information. If you have any questions about how we handle user data and personal information, feel free to contact us.
TERMS AND CONDITIONS:
1. Terms
By accessing this website, you agree to be bound by these terms of service, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this website are protected by applicable copyright and trademark law.
2. Use License
a. Permission is granted to temporarily download one copy of the materials (information or software) on our website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
i. modify or copy the materials;
ii. use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
iii. attempt to decompile or reverse engineer any software contained on the website;
iv. remove any copyright or other proprietary notations from the materials; or
v. transfer the materials to another person or "mirror" the materials on any other server.
b. This license shall automatically terminate if you violate any of these restrictions and may be terminated by us at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession, whether in electronic or printed format.
3. Disclaimer
a. The materials on our website are provided on an "as is" basis. We make no warranties, expressed or implied, and hereby disclaim and negate all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.
b. Further, we do not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on our website or otherwise relating to such materials or on any sites linked to this site. Information on this site is not an offer to lend or a commitment to lend. All loans are subject to credit and property approval. Programs, rates and terms are subject to change without notice.
4. Limitations
In no event shall we or our suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on our website, even if we have been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
5. Modifications
We may revise these terms of service for our website at any time without notice. By using this website you are agreeing to be bound by the then current version of these terms of service.
6. Cookie Policy
This cookie policy ("Policy") describes what cookies are and how we ("Website operator", "we", "us" or "our") use them on our website and any of its products or services (collectively, "Website" or "Services"). You should read this Policy so you can understand what type of cookies we use, the information we collect using cookies and how that information is used. It also describes the choices available to you regarding accepting or declining the use of cookies. For further information on how we use, store and keep your personal data secure, see our Privacy Policy.
What are cookies? Cookies are small pieces of data stored in text files that are saved on your computer or other devices when websites are loaded in a browser. They are widely used to remember you and your preferences, either for a single visit (through a "session cookie") or for multiple repeat visits (using a "persistent cookie"). Session cookies are temporary cookies that are used during the course of your visit to the website, and they expire when you close the web browser. Persistent cookies are used to remember your preferences within our website and remain on your desktop or mobile device even after you close your browser or restart your computer. Cookies may be set by the website ("first-party cookies"), or by third parties, such as those who serve content or provide advertising or analytics services on the website ("third-party cookies"). These third parties can recognize you when you visit our website and also when you visit certain other websites.
What type of cookies do we use?
Necessary cookies: These let us offer you the best possible experience when accessing and navigating our website and using its features.
Functionality cookies: These let us operate the website and our services in accordance with the choices you make.
Analytical cookies: These let us and third-party services collect aggregated data for statistical purposes on how our visitors use the website. These cookies do not contain personal information such as names and email addresses.
Social media and advertising cookies: Social media cookies (such as Facebook, Instagram, YouTube and Google) let us show you ads on those platforms after you visit our website and measure how many people respond to our ads. These platforms may receive information such as your IP address, device type and the pages you visited on our site. We never send them your loan information, such as your income, Social Security number or credit history. Under California law, this type of advertising may be considered "sharing" personal information. You can ask us not to do this (see "California residents" above).
What are your cookie options? If you don't like the idea of cookies or certain types of cookies, you can change your browser's settings to delete cookies that have already been set and to not accept new cookies. You can also turn on Global Privacy Control in your browser. To learn more about cookies, visit internetcookies.org.
7. Changes and Amendments
We reserve the right to modify this Policy relating to the Website or Services at any time, effective upon posting of an updated version of this Policy on the Website. When we do, we will revise the "Last updated" date at the top of this page. Continued use of the Website after any such changes shall constitute your consent to such changes.
8. Acceptance of this Policy
You acknowledge that you have read this Policy and agree to all its terms and conditions. By using the Website or its Services you agree to be bound by this Policy. If you do not agree to abide by the terms of this Policy, you are not authorized to use or access the Website and its Services.
9. Contacting Us
If you have questions about our Terms and Conditions or our Privacy Policy, or if you want to use your privacy rights, contact us:
Novel Home Loans
722 E Main St, Santa Maria, CA 93454
Phone: (805) 793-1300
Email: [email protected]
Company NMLS #1431482
NMLS #249225
These policies are effective as of October 7, 2026.