Licensing & Legal Information

Effective date: October 2, 2026

This Website Privacy Policy describes how John Collins and Mpire Financial Group LLC (NMLS #2108504) handle information you voluntarily submit through the forms on johncollinshomeloans.com. John Collins is a mortgage broker (NMLS #1929207) operating under Mpire Financial Group LLC, 189 S. Orange Ave., Suites 2030, 2050, and 2070, Orlando, FL 32801.

Information You Submit Through Our Forms

This website has two forms that transmit submitted information to our customer relationship management (CRM) system when you submit them:

Contact form (on the Contact page): collects your first name, last name, email address, phone number, the property state you are asking about, the type of inquiry, your message, your preferred contact method, and an optional SMS consent selection. The SMS consent box is optional and unchecked by default; your checked or unchecked choice is transmitted to the CRM.

Realtor Second Financing Review form (on the For Realtors page): collects the Realtor's first name, last name, brokerage, email address, and phone number, plus information about the requested review—the buyer's property state, an optional closing date, the current financing issue, and an optional best time to contact you. This form does not include an SMS consent field.

No other form on this website transmits information to the CRM.

How We Use Submitted Information

We use the information you submit to respond to your inquiry, review your financing questions, maintain a record of your request, and provide the follow-up you asked for. We do not use form submissions for purposes you did not request.

How We Share Information

We do not sell personal information submitted through this website. John Collins and authorized Mpire Financial Group LLC personnel may review submitted information to respond to inquiries and assist with requested financing.

We may share relevant information with wholesale lenders and service providers when necessary to evaluate financing options or provide services you request or authorize. Service providers include companies supporting our CRM, website hosting, and communications. We may also disclose information when required by law. Sharing remains subject to applicable privacy notice, consent, and opt-out requirements. Necessary sharing with lenders or service providers to evaluate financing options does not authorize or include transferring text messaging opt-in consent or mobile information to third parties or referral partners for marketing purposes.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Services That Process Your Information

When you submit either form, your information is sent to our CRM provider so your inquiry can be reviewed and answered. The website itself is hosted on a web hosting platform, and the fonts displayed on the site are loaded from Google Fonts. These service providers process information according to their own policies.

Technical Information and Tracking

When you submit a form, basic technical information such as the page address, browser user agent, and submission timestamp is included with the event. This website loads fonts from Google Fonts. When your browser requests these fonts, Google receives technical information, including your IP address, needed to deliver them. If a page fails to load, limited error information (such as the error and the page path) may be sent to the platform that hosts this website for troubleshooting. This website does not use advertising pixels. We are not able to describe every cookie a third-party service may set; check that service's policy for details.

Calculators

The mortgage and DSCR calculators on this website perform estimates entirely in your browser. The numbers you enter into a calculator are not transmitted to us and are not stored by the website.

The Separate Loan-Application Portal

The "Apply Now" and "Secure Application" links open a separate, external loan-application portal at a different website. Information you submit there is handled by that portal under its own privacy disclosures, which may differ from this policy. Submitting an application through that portal is not the same as submitting a contact inquiry here, and John Collins and Mpire Financial Group LLC may receive application information through that portal as part of processing your loan. Review that portal's privacy policy for details.

Communication Preferences and SMS Consent

On the Contact form, you may choose whether to consent to SMS text messages. Your choice is recorded and transmitted to the CRM. You can update your communication preferences or ask questions about your information by submitting the Contact form, or by writing to Mpire Financial Group LLC, 189 S. Orange Ave., Suites 2030, 2050, and 2070, Orlando, FL 32801.

Retention and Security

We keep inquiry records for as long as needed to respond to your request and maintain a record of our communication. We take reasonable measures to protect information, but no method of transmission or electronic storage is completely secure. We do not sell the information you submit through these forms.

Updates to This Policy

We may update this Website Privacy Policy from time to time. Changes take effect when the updated policy is posted on this page. The effective date above reflects when the current text was added.

Effective date: October 2, 2026

These Website Terms of Use govern your use of johncollinshomeloans.com, operated by John Collins, a mortgage broker (NMLS #1929207), under Mpire Financial Group LLC (NMLS #2108504).

Educational Information Only

The information on this website is provided for general educational purposes. It does not constitute a loan approval, a commitment to lend, or a guarantee of any kind, including a guarantee of eligibility for any loan program. Loan availability and terms depend on applicable licensing, lender requirements, underwriting, and your individual circumstances.

Calculators Are Estimates

Results from the mortgage and DSCR calculators are estimates generated from the values you enter. They are not loan quotes, rate locks, or approvals, and they do not reflect the terms any specific lender would offer.

Inquiries Are Not Applications

Submitting the Contact form or the Realtor Second Financing Review form is a request for information or a review. It is not a formal loan application and does not start the application process. A formal application is completed through the separate external loan-application portal linked on this site.

External Websites

This website links to external sites, including the loan-application portal, NMLS Consumer Access, and the Mpire Financial Group website. Those sites have their own terms and policies, which we do not control. We are not responsible for the content or practices of any external website.

Permitted and Prohibited Use

You may access and use this website for legitimate purposes related to mortgage education, financing inquiries, and real estate transactions, including use by prospective borrowers, homeowners, and real estate professionals. You may not misuse the website, including submitting false or fraudulent information, attempting to disrupt its operation, or using its content in a way that misrepresents John Collins or Mpire Financial Group LLC.

Contact and Updates

You may contact us about these terms through the Contact page. We may update these Website Terms of Use from time to time; changes take effect when the updated terms are posted on this page.