Privacy Policy

Privacy Policy

Last updated: 12/16/2025

Mortgage with Julia is represented by Julia Klain, a licensed mortgage originator (NMLS id – 1853956) and operating under NEXA mortgage . Modolia provides referral and online services that facilitate mortgage-related inquiries and connections with licensed mortgage professionals.

Mortgage with Julia (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website mortgagewithjulia.com or submit an inquiry through our forms.

Information We Collect

We may collect personal information that you voluntarily provide, including but not limited to:

• Name

• Email address

• Phone number

• State or location

• Information related to your mortgage inquiry (such as loan purpose, estimated credit profile, income type, or property details)

We do not collect sensitive personal information unless it is voluntarily provided as part of a mortgage-related inquiry.

How We Use Your Information

Information collected may be used to:

• Respond to your mortgage-related inquiry

• Communicate with you regarding next steps, clarification, or follow-up

• Determine whether services can be provided directly or whether your inquiry should be referred to another licensed mortgage professional

• Improve our website, services, and communication processes

• Comply with legal, regulatory, and licensing requirements

Direct Services and Referrals

Mortgage with Julia is operated by a licensed mortgage originator. Depending on your location, inquiry type, or regulatory considerations, your information may be:

• Used to provide services directly by the licensed mortgage originator operating this website, or

• Shared with another properly licensed mortgage originator for referral purposes

Any referrals are made only to appropriately licensed professionals and solely for the purpose of addressing your specific request.

Information Sharing

We do not sell, rent, or distribute your personal information to third parties for mass marketing purposes.

We may share your information only:

• With licensed mortgage professionals involved in servicing your request

• With service providers that support website operations, CRM, or communications (such as secure messaging or form-processing platforms)

• When required by law or regulatory authorities

All third parties are expected to protect your information in accordance with applicable laws.

Communications and Consent

By submitting a form on this website, you consent to be contacted via phone call, text message, or email regarding your inquiry. Message frequency varies. Message and data rates may apply. You may opt out of SMS communications at any time by replying STOP.

Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information. However, no method of transmission over the Internet is completely secure, and we cannot guarantee absolute security.

Cookies and Analytics

This website may use cookies or analytics tools to understand website usage and improve user experience. These tools do not collect personally identifiable information unless you voluntarily provide it.

Your Rights

You may request access to, correction of, or deletion of your personal information by contacting us directly, subject to applicable legal and regulatory requirements.

Third-Party Links

This website may contain links to third-party websites. We are not responsible for the privacy practices or content of those external sites.

Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date.

Contact Information

If you have questions about this Privacy Policy or how your information is handled, please contact us through the website mortgagewithjulia.com.