DISCLAIMERS & PRIVACY POLICY
Table of Contents
General Disclaimer
This is not a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet LTV requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines, and are subject to change without notice based on applicant's eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of the loan. Reduction in payments may reflect a longer loan term. Terms of the loan may be subject to payment of points and fees by the applicant. Norvell & Co. is an Equal Opportunity Lender and an Equal Housing Lender.
Texas Disclaimer
TEXAS RESIDENTS: Consumers wishing to file a complaint against a mortgage company or residential mortgage loan originator licensed in Texas should send a completed complaint form to the Department of Savings and Mortgage Lending (SML): 2601 N. Lamar Blvd., Suite 201, Austin, Texas 78705; Tel: 1-877-276-5550. Information and forms are available on SML's website: sml.texas.gov.
Website Disclaimer
No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant's eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant.
Home Mortgage Disclosure Act Notice
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau's website (www.consumerfinance.gov/hmda). HMDA data for many other financial institutions are also available at this website. Norvell & Co. and our loan officers follow all regulations required by ECOA.
Grant Disclaimer
Grants are offered and provided by/through third-party entities, and are dependent upon those entities' set of regulations, restrictions, and qualifications to govern the distribution of those funds. Examples include: income compared to area median income; number of people living in household; first-time home buyer. Some grants require repayment and/or conditions which may trigger repayment. Examples include: primary residence, tenure in home. Your loan officer can assist you in obtaining current grant status and restrictions. Norvell & Co. is not responsible for non-qualification by an applicant, nor for funds availability, from the providing grant entity. This is not a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet LTV requirements, and final credit approval. All approvals are subject to underwriting guidelines, interest rates, and program guidelines, and are subject to change without notice based on applicant's eligibility and market conditions. Terms of the loan may be subject to payment of points and fees by the applicant.
Co-Marketing Disclaimer
Norvell & Co. adheres to RESPA regulations. We are required to ensure equitable co-investment in marketing efforts when jointly advertising with a real estate professional. Norvell & Co. is an Equal Housing Lender. We are prohibited from paying referral fees to non-employees or real estate professionals for a referral of business.
Wholesale Disclaimer
This information is intended for broker use only and is not intended for distribution to the general public. All rates, forms, and parameters are subject to change without prior notice. Please refer to your branch for more underwriting details and full product guidelines.
Financial Planning Disclaimer
Unless individually licensed and specifically denoted in their credentials, Norvell & Co. licensed loan officers are NOT qualified to, and are prohibited from representing themselves as accountants, attorneys, certified financial planners, estate planners, investment specialists, or tax experts, and will not advise you in those matters. Always seek the advice of a licensed professional.
Reverse Mortgage Disclaimer
Borrowers must be age 62 or over and the home must be their primary residence. Homeowners must complete counseling with a government-certified counselor before applying. Homeowners must pay property taxes, insurance, and homeowners' association dues. Consult a tax professional for tax consequences. A reverse mortgage is a loan and must be repaid. Loan amount is based on equity in your home. Payout is available in lump sum or in regularly scheduled payments. Proceeds will not affect Social Security or Medicare benefits. There's no need to repay the loan as long as you continue to live in the house and maintain the property to FHA standards. This is not a commitment to make a loan. Loans are subject to borrower and property qualifications. Interest rates and program guidelines are subject to change without notice.
Pre-Approval Disclaimer
Mortgage loan pre-approvals are subject to several conditions remaining unchanged through the closing and funding of your loan. Be advised that your credit report may be pulled again at closing to ensure no changes have occurred. Some items that can affect your pre-approval include: any changes in real estate purchase contract terms (sales price, closing date, deadlines); adequate valuation from appraisal; conditions or exceptions to appraisal; changes in your financial situation; increased debt ratios; changes in credit scoring and reported items; new debt or inquiries on your credit; buying/selling of assets; any collection/lien notifications; job changes or pay rate changes of any kind; co-signing on a debt for anyone; making any large deposits or money transfers; unseasoned funds for down payment and closing costs. This list is not all-inclusive. Please contact your loan professional prior to taking actions that could change your financial situation.
Privacy Policy
Effective Date: 11/24/2025
1. Information We Collect
We collect both information you voluntarily provide and information collected automatically during your visit.
1.1 Information You Provide Voluntarily
This includes:
- Name
- Address
- Email address
- Phone number
- Other information submitted through forms, email, or our "Contact an Agent" features
If you choose to communicate with us (via email, web form, or other means), we may store the information you provide.
TCPA-Compliant Marketing Consent
We will not send you telemarketing or advertising text messages or automated calls unless you give clear, express, written consent through a separate, affirmative action, such as checking a consent box or signing a standalone consent form.
By simply providing your phone number on this Website, you are not automatically consenting to receive marketing communications.
You may withdraw consent at any time by replying STOP to SMS messages or contacting us using the information below.
1.2 Information Collected Automatically
We automatically collect certain non-personally identifiable or aggregated information, including:
- IP address
- Browser type and device type
- Date and time of access
- Pages viewed and site navigation patterns
- Referring and exiting websites
- Domain name of your internet service provider
This information helps us understand usage trends and improve the Website.
2. Cookies and Tracking Technologies
The Website uses cookies and similar technologies to:
- Enable website functionality
- Analyze traffic and usage
- Improve user experience
Cookies may include:
- Essential Cookies – required for the Website to function
- Analytics Cookies – help us understand website traffic (e.g., Google Analytics)
- Functionality Cookies – remember your preferences
You may configure your browser to block or delete cookies; however, some Website features may not function properly.
If legally required (e.g., for EU visitors), we may display a cookie banner allowing you to accept or decline non-essential cookies.
3. How We Use Information
We use the information we collect to:
- Provide and improve our services
- Respond to inquiries and requests
- Manage, maintain, and enhance the Website
- Comply with legal and regulatory obligations
- Prevent fraud or misuse
- Conduct analytics and performance monitoring
We do not sell or rent your personal information.
4. How We Share Information
We may share information only in the following circumstances:
4.1 Service Providers
We may share information with trusted third-party vendors who assist with:
- Website hosting
- Email delivery
- Analytics
- Customer communication
- Lead management
- Real estate service platforms (MLS tools, CRM systems)
Service providers may only use your information to perform services on our behalf.
4.2 Legal Requirements
We may disclose information when required by law, regulation, subpoena, or government request, or to protect our rights or the rights of others.
4.3 Aggregated or De-Identified Information
We may share aggregated, non-personally identifiable information with advertisers, industry organizations, or partners. This data does not identify you.
We do not share personally identifiable information with third parties for their independent marketing or promotional purposes.
5. Texas Real Estate Commission (TREC) Standards
As a Texas real estate brokerage, we comply with TREC rules and consumer-protection requirements, including:
- TREC Advertising Rules (22 TAC §535.154) – ensuring transparency and accuracy in all advertising.
- Information About Brokerage Services (IABS) disclosure requirements – making the IABS Notice available and clearly accessible to all prospective clients.
- Texas Real Estate License Act standards regarding confidentiality, fiduciary duties, and data handling.
We do not disclose confidential client information obtained through a brokerage relationship unless authorized or required by law.
Click on these links to our required TREC disclosures: click here for the IABS Notice and click here for the Consumer Protection Notice.
6. Your Privacy Rights
Depending on your location, you may have specific legal rights:
If you are a California resident (CCPA/CPRA):
You may request:
- Access to categories of personal information collected
- Access to specific information collected
- Deletion of personal information
- Correction of inaccurate information
- Information about disclosures to third parties
- Opt-out of sharing for cross-context behavioral advertising (if applicable)
To exercise these rights, contact us using the information in Section 13.
If you are an EU or UK resident (GDPR):
You may have rights to:
- Access
- Rectify
- Erase
- Restrict processing
- Data portability
- Object to processing
We will respond to GDPR requests in accordance with applicable law.
7. Data Retention
We retain personal information only as long as necessary to:
- Fulfill the purposes stated in this Policy
- Maintain business and legal records
- Comply with TREC requirements and Texas law
- Resolve disputes and enforce agreements
Retention periods vary depending on data type and regulatory obligations.
8. Protection of Information
We use commercially reasonable administrative, technical, and physical safeguards to protect your information. No method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.
9. Third-Party Links
The Website may contain links to third-party websites. We are not responsible for:
- Content on third-party sites
- Their privacy practices
- Security of the information you provide to them
Your data is governed by the third party's policies when you leave our Website.
10. Children's Privacy
This Website is not directed toward children, and we do not knowingly collect information from anyone under 13. If we learn that we have collected such information, we will delete it promptly.
11. Policy Changes
We may update this Privacy Policy at any time. Changes become effective when posted on the Website. You should review the effective date at the top of the policy periodically.
12. Lost or Stolen Information
Please let us know if you believe your interaction with our Website has resulted in unauthorized access to your personal information, and we will investigate it, consistent with legal obligations.
13. Contact Us
If you have questions, requests, or concerns regarding this Privacy Policy or our data practices, please contact us:
Email: norvellrealestate@gmail.com
Mailing Address:
Norvell Real Estate
6804 Henneman Way #1056
McKinney, TX 75070
