Privacy Policy
Gulam Home Mortgage, LLC · NMLS #2412133 · Last updated November 2026
Information We Collect
When you contact us, apply for a loan or use this website, we may collect:
- Contact details such as your name, phone number, email and address
- Financial and application information such as income, employment, assets, debts and Social Security number, provided when you apply
- Credit information, with your authorization
- Basic website usage data, such as pages visited and browser type
How We Use Your Information
- To respond to your questions and provide loan options
- To process, underwrite and close your loan
- To meet legal and regulatory requirements
- To improve our website and service
When Information Is Disclosed
We do not share your information for anyone else’s marketing. We disclose it only when needed to complete the loan you request or when the law requires it, for example:
- The wholesale lender funding your loan, and the credit bureaus, appraisers, title and settlement companies involved in your transaction
- Service providers who help us operate, who must keep your information confidential
- Government agencies and regulators, or when required by law, subpoena or court order
How We Protect Your Information
We use physical, electronic and procedural safeguards to protect your information. Access is limited to people who need it to serve you. Loan applications are submitted through a secure, encrypted portal.
Cookies and Website Analytics
This website may use cookies and similar tools to understand how visitors use it. You can turn off cookies in your browser settings.
Your Choices
You may ask to review or update the information we hold about you, or ask us to stop contacting you, at any time.
Questions
Contact Ray Gulam at 972-656-0990 or ray@GulamHM.com, or write to Gulam Home Mortgage, 405 State Hwy 121 Bypass, Suite A250, Lewisville, TX 75067.