Privacy Policy
Effective Date:
3/01/25
Company Name: GFS Home Loans
Contact Email: [email protected]
Contact Phone: (405) 363-6694
1. Information We Collect
We may collect personal information such as:
Name; Email address; Phone number; Mortgage goals or home buying timeline; Credit status (if voluntarily disclosed)
2. How We Use Your Information
We use your information to:
Contact you regarding mortgage options; Send text messages or emails; Provide personalized loan advice; Schedule appointments; Improve our services
3. Data Sharing
We do not sell your data. We may share it with trusted partners or service providers who help us deliver communications or mortgage services. These providers are bound by confidentiality.
4. Text Messaging
By submitting your phone number, you agree to receive SMS messages from GFS Home Loans and representatives like Stephen Bellew. Message and data rates may apply. You can opt-out at any time by replying "STOP."
5. Data Security
We take reasonable steps to protect your data from unauthorized access or disclosure. However, no system is 100% secure.
6. Your Rights
You have the right to:
Request access to your data; Ask for corrections or deletion; Opt out of communications at any time
7. Contact
For questions regarding this policy, email us at [email protected].
There are a lot of loan options – let’s find the right one for you.
Conventional
Loans
FHA
Loans
Jumbo
Loans
USDA
Loans
VA
Loans
Additional Loan
Programs
Who's This Perfect For
First Time Home Buyers
Renters Ready to Buy
Refinancing
Mortgage Management
Self Employed
Veteran
Financial Planners
Move-Up Buyers
Investors & Rental Property Buyers
The answers to all your
mortgage questions...
Do I need to save for a 20% down payment?
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
What's the difference between an adjustable and a fixed rate mortgage?
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a down payment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
Can I access my home equity before I finish paying off my loan?
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.
What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payments anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
Copyright 2025. Stephen Bellew - Home Loans - Gold Financial Services. All Rights Reserved.
