Direct Lending.
Faster Approvals.

Effective June 27, 2026.

Who we are

"We," "us," and "our" mean Jack Chen, Mortgage Loan Originator (NMLS #2425956), with General Mortgage Capital Corporation (NMLS #254895), an Equal Housing Lender.

Information we collect

When you create an account we collect your name, email, an optional phone number, and a password (stored only as a secure hash). If you contact us, we keep what you send. When you browse, we and our analytics providers automatically collect your IP address, device and browser type, and pages viewed, using cookies and similar technologies.

How we use it

To give you access to the tools, respond to your inquiries, follow up with you about mortgage options you ask about, improve the site, and meet our legal and recordkeeping obligations.

Consent to contact

By creating an account or submitting a form and giving us your phone number, you agree we may contact you by phone, text, or email about your inquiry and mortgage options, including by automated means where permitted. Consent is not a condition of any loan or service. Message and data rates may apply. You can opt out anytime — reply STOP to texts, unsubscribe from emails, or email us.

Cookies & analytics

We use cookies and similar technologies, including Google Analytics and HubSpot, to understand how the site is used and to improve it. These load only after you accept cookies in our banner; you can decline non-essential cookies at any time.

How we share it

We do not sell your personal information. We share it only with service providers that help us operate the site and follow up with you — Supabase (accounts), HubSpot (CRM), Google Analytics (usage analytics), and Cloudflare (hosting and security) — and when required by law.

Data retention & security

We keep your information for as long as needed to serve you and meet legal requirements, then delete or de-identify it. We use reasonable safeguards to protect it, though no method of transmission or storage is completely secure.

Your choices & rights

You can access, correct, or delete your account or data at any time by emailing us. Depending on where you live (for example, California residents under the CCPA/CPRA), you may have additional rights to know, delete, correct, and opt out of the sale or sharing of personal information. We do not sell your personal information.

Terms of use

You must be at least 18 and able to enter a binding agreement to use this site. The calculators, rates, and content are estimates for general information only — not financial advice, a credit decision, a rate lock, a loan approval, or a commitment to lend. Actual terms depend on a complete application, underwriting, and current market conditions. See the full rate disclosures below.

Please don't misuse, disrupt, or attempt unauthorized access to the site. The site is provided "as is" without warranties of any kind, and to the fullest extent permitted by law we are not liable for any indirect or consequential damages arising from your use of it. These terms are governed by the laws of the State of California.

Children

This site is not directed to anyone under 18, and we do not knowingly collect their information.

Changes & contact

We may update this policy; any changes will be posted here with a new effective date. Questions, or want your account or data removed? Email [email protected].