This Privacy Policy describes how Trevor Forbes ("Trevor the Financier," "we," "us," or "our"), a licensed Mortgage Loan Originator (NMLS #2478105) operating under NEXA Mortgage, LLC (Company NMLS #1660690), collects, uses, and protects information from visitors to this website and related landing pages (collectively, the "Site"), including visitors who respond to our Facebook and Instagram advertising, such as our down-payment and closing-cost assistance campaigns.
1. Who We Are
Trevor Forbes is a licensed mortgage loan originator. All loans are originated through NEXA Mortgage, LLC, Company NMLS #1660690, an Equal Housing Lender. This Site is used to provide educational content, offer a free Home-Buying Options Review, collect prospective borrower information, and connect visitors with mortgage financing and down-payment assistance options.
2. Information We Collect
When you visit our Site, submit a form (including our Forbes Funding Playbook™ questionnaire or a Home-Buying Options Review request), or interact with our ads, we may collect:
- Contact information: name, email address, phone number
- Financial profile information: self-reported income, credit range, employment type, down-payment savings, loan goals, and timeline information you voluntarily provide, used to help identify potentially applicable down-payment or closing-cost assistance programs
- Property information: address, price range, and details of properties you are financing, refinancing, or investing in
- Technical data: IP address, browser type, device information, pages visited, and referral source
- Advertising identifiers: data collected via the Meta (Facebook/Instagram) Pixel and similar tracking technologies, such as ad interactions and conversion events
Down-payment and closing-cost assistance program availability, terms, income limits, property requirements, credit standards, and eligibility vary by program and are not guaranteed. Submitting information does not constitute a commitment to lend or a guarantee of approval.
We do not collect Social Security numbers or full financial account numbers through this Site. Please do not submit Social Security numbers, account numbers, tax documents, identification documents, or other sensitive financial information through any form on this Site. That information is only collected securely within LendingPad or our secure NEXA Mortgage application after you begin a formal loan application.
3. How We Use Your Information
- Respond to your inquiry and provide a personalized financing overview ("Forbes Funding Playbook™") or Home-Buying Options Review
- Contact you by phone, SMS, or email regarding your financing options
- Determine potential eligibility for loan programs and down-payment or closing-cost assistance programs
- Improve our advertising targeting and measure ad performance (including via Meta Pixel conversion tracking)
- Maintain internal CRM records to manage our relationship with you
- Comply with mortgage industry recordkeeping and regulatory requirements
We do not use your information to guarantee loan approval, guarantee a credit score outcome, or provide credit repair services. Any statements made are educational and illustrative only.
4. How We Share Your Information
We share information only as necessary to operate our business:
- NEXA Mortgage, LLC, and its underwriting, processing, and settlement-service partners, to originate and process your loan
- LendingPad, our secure loan origination system, if you begin a formal mortgage application
- Credit-reporting agencies and lenders, as necessary to evaluate financing options
- Down-payment assistance program administrators, if you are referred for a specific assistance program based on your submitted information
- Service providers who support our operations, including our CRM, email, SMS, and form-collection platforms — each processes data under their own privacy and security obligations
- Meta Platforms, Inc. (Facebook/Instagram), for ad delivery and conversion measurement, in accordance with Meta's Business Tools Terms
- Legal or regulatory authorities, when required by law, subpoena, or regulatory request
We do not sell your personal information to third parties.
5. SMS & Phone Communications
By submitting your phone number, you consent to receive calls and text messages from Trevor Forbes / Trevor the Financier regarding your financing inquiry, including automated or templated messages. Message and data rates may apply. Message frequency varies. You may opt out at any time by replying STOP to any text message, or by contacting us directly at 901-663-0004. This consent is not a condition of purchasing any product or service.
6. Cookies & Advertising Technologies
Our Site uses cookies and similar technologies, including the Meta Pixel, to measure the effectiveness of our Facebook and Instagram advertising, build custom and lookalike audiences for future advertising, and understand how visitors interact with our Site. You can control cookie preferences through your browser settings and manage your ad preferences directly through your Facebook or Instagram account settings.
7. Data Retention
We retain personal information for as long as necessary to fulfill the purposes outlined in this policy, and as required by mortgage industry recordkeeping regulations, which may require retention of certain records for several years after loan closing or file abandonment.
8. Your Rights & Choices
Depending on your state of residence, you may have the right to request access to, correction of, or deletion of your personal information, and to opt out of marketing communications at any time. We do not sell personal information, so opt-out-of-sale rights are not applicable. To exercise any of these rights, contact us at mrtrevorforbes@gmail.com.
9. Children's Privacy
This Site is not directed to individuals under the age of 18, and we do not knowingly collect personal information from minors.
10. Data Security
We use commercially reasonable administrative, technical, and physical safeguards to protect your information. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.
11. Equal Housing Opportunity
Trevor Forbes and NEXA Mortgage, LLC are committed to Equal Housing Opportunity. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, or any other protected class in connection with the extension of credit.
12. Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with a revised "Last Updated" date.