NOVA Protects Your Privacy

Are you aware that the major credit bureaus sell your personal information? While it’s not nice to hear, it’s true. When a potential borrower applies for a home loan, their files are immediately flagged, packaged, and sold by the credit bureaus to the highest bidder. For just a few dollars more, unscrupulous mortgage companies can purchase your contact information, FICO score, and other credit specifics with the intent to blindly solicit your business.

This can result in numerous spam calls and junk mail offers which are in no way associated with your real estate agent or loan professional. We make it easy for you to opt out of this practice and protect your credit; just visit

Unfortunately, no current legislation exists to prevent the credit bureaus from profiting at your expense. As a “trigger lead,” you are at the mercy of any number of too-good-to-be-true offers designed specifically to try and discredit the mortgage professionals you know and trust.

Don't be fooled! Ultimately, there are only a limited number of sources lenders have to obtain mortgage money, and it's unlikely that you will find an unbelievably low rate without an unbelievably high cost. That's why, prior to taking an application for any loan program, NOVA always encourages its clients to opt out of credit bureau solicitations by visiting the site above. For new home buyers, this is the simplest way to avoid the problem altogether.

Another practice that involves your privacy is the fact that all closed loans are recorded to the County Recorder’s Office, where it becomes part of the public record. Third party vendors (and anyone else) not connected with NOVA may routinely scan these public files for recent transactions and use them to contact new or recently refinanced owners in an attempt to sell their products.

Please remember that we in no way endorse this practice. If you are bombarded with sales and mortgage offers from other lenders who feign association with NOVA, this is a result of public inquiry and not a marketing tactic used by our company. We adhere to a strict privacy policy and do everything in our power to respect that.  

As you embark on what could be the largest financial transaction of your life, it's important to have a professional mortgage specialist on your team who has your best interests at heart. If you’ve worked with us before, hopefully we’ve earned your trust. Please feel free to reach out if you have any questions about refinancing!