This Cookie Policy explains how Let’s Talk Home Mortgage and E Mortgage Capital Inc. use cookies and similar technologies to operate this website, remember preferences, understand site activity, and support relevant communications.
Last updated: June 27, 2026E Mortgage Capital Inc. · NMLS #1416824
Cookies at a glance.
Some cookies are necessary for the website to work. Other cookies may help remember preferences, measure site activity, or support marketing. Where consent is required, optional cookies should not be used until you make a choice through the cookie banner or preference center.
Section 01
Scope and Related Policies
This Cookie Policy applies to letstalkhomemortgage.com and explains how Let’s Talk Home Mortgage and E Mortgage Capital Inc. (“EMC,” “we,” “us,” or “our”) use cookies, pixels, tags, local storage, software development kits, server logs, and similar technologies.
This policy should be read together with our Privacy Policy and Terms & Conditions. Those documents explain how we collect, use, disclose, and protect personal information more broadly.
Let’s Talk Home Mortgage is operated by Patrick Collins in connection with mortgage services provided through E Mortgage Capital Inc., NMLS #1416824. Patrick Collins is a mortgage professional, NMLS #1628553 and BRE #02143449.
Section 02
How We Use Personal Information
We collect and use information to help serve your financial needs, provide mortgage-related products and services, respond to inquiries, fulfill legal and regulatory requirements, verify identity, detect and prevent fraud, communicate about requested or relevant services, and comply with legal processes.
Information associated with cookies or similar technologies may be used to operate the website, maintain security, remember preferences, understand how visitors use pages and features, diagnose technical issues, measure content effectiveness, and improve the user experience.
We do not sell your personal information. We do not share mobile phone numbers, SMS opt-in data, or consent information with third parties or affiliates for marketing or promotional purposes.
Section 03
Safeguarding Personal Information
Access to nonpublic personal information is restricted to personnel and service providers who need the information to provide services, support website operations, maintain security, or meet legal and regulatory obligations.
We use administrative, technical, physical, and procedural safeguards designed to protect information against unauthorized access, alteration, disclosure, misuse, or destruction. No website, browser, transmission method, or storage system can be guaranteed to be completely secure.
We do not intentionally store Social Security numbers, complete bank-account numbers, passwords, or mortgage application documents inside ordinary browser cookies. Sensitive documents should be submitted only through an approved secure process.
Section 04
What Cookies and Similar Technologies Are
A cookie is a small text file placed on a computer, mobile phone, tablet, or other Internet-connected device when a website is visited. Cookies can help a website recognize a browser, maintain a session, remember choices, and collect information about how the website is used.
Similar technologies may include pixels, tags, scripts, local storage, embedded content, and server logs. These tools may collect information such as browser type, device type, operating system, Internet Protocol address, referring page, pages viewed, approximate location derived from an IP address, timestamps, and interactions with website features.
Some technologies are placed directly by this website. Others may be provided by third parties that support hosting, security, analytics, forms, scheduling, communications, embedded media, social features, advertising, or mortgage-related tools.
Section 05
Categories of Cookies We May Use
Always active
Functional and Strictly Necessary
These technologies support essential functions such as page navigation, security, fraud prevention, load balancing, consent choices, form operation, and transmission of information over an electronic communications network.
Your choice
Preferences
These technologies remember choices that are not strictly required, such as display settings, language, region, saved form preferences, or other features intended to make the website more convenient.
Your choice
Statistics and Analytics
These technologies help us understand site traffic, page performance, visitor paths, errors, and general engagement. Information may be aggregated or pseudonymous, but unique browser or device identifiers may still be used.
Your choice
Marketing and Advertising
These technologies may help measure campaigns, limit repeated ads, understand whether content led to a website visit or inquiry, and support more relevant advertising across websites or services.
Category
Primary purpose
Typical consent treatment
Functional / Necessary
Security, navigation, forms, consent storage, and essential operation.
Generally active because the website may not function correctly without them.
Preferences
Remember optional settings and user choices.
Used according to the choice made through the consent tool, where required.
Statistics
Measure traffic, performance, and general website usage.
Used according to the choice made through the consent tool, where required.
Marketing
Measure campaigns and support relevant advertising or audience analysis.
Used according to the choice made through the consent tool, where required.
The exact cookies and providers may change as website features, vendors, and regulatory requirements change. The cookie banner or preference center available on the website is intended to provide the most current controls available for this browser and device.
Section 06
Session and Persistent Cookies
Session Cookies
Session cookies are temporary and generally expire when the browser is closed. They may be used to maintain navigation, security, form progress, or other functions during a visit.
Persistent Cookies
Persistent cookies remain on a device after the browser is closed until they reach their expiration date or are deleted. They may be used to remember consent choices, preferences, analytics identifiers, or other settings across visits.
Cookie duration varies by purpose and provider. Some similar technologies, such as local storage, may remain until they are deleted through browser settings or replaced by the website or service that created them.
Section 07
Third-Party Technologies and Websites
This website may contain links to, or embedded features from, mortgage application platforms, scheduling providers, form providers, analytics services, video or media services, social platforms, review tools, maps, calculators, security providers, and other third parties.
Those parties may place or read cookies and similar technologies under their own terms and privacy policies. We do not control all third-party cookies, their retention periods, or how third parties process information after you interact with their services.
Links to external websites are provided for convenience. Browsing and interaction on another website are subject to that website’s own privacy, cookie, and customer-service policies. We are not responsible for the information practices of external websites merely because they link to or from this website.
Section 08
Managing Your Cookie Preferences
When the cookie banner or preference center is available, you may be able to accept, deny, or customize optional cookie categories. Strictly necessary technologies may remain active because they are required for core website functions, security, or storing your consent choices.
Withdrawing or refusing consent does not remove every technology from the website. Necessary cookies, server logs, and technologies that do not require consent may continue to operate. Refusing optional cookies may also affect certain features, embedded content, personalization, or measurement.
Review your current choices.
Use the button below to open the website’s cookie preference tool when it is available. If the tool does not open, use the cookie icon or “Manage Consent” control displayed by the website.
Section 09
Browser Controls and Privacy Signals
Most browsers allow you to review, block, delete, or receive alerts about cookies. Browser settings vary, and blocking all cookies may prevent forms, security features, saved preferences, or other website functions from working correctly.
Controls may need to be set separately for each browser, device, and user profile. Deleting cookies may also erase saved preferences, including the consent choice previously stored for this website.
Do Not Track
Some browsers send a traditional “Do Not Track” signal. Because there is no universally accepted standard for interpreting these signals, the website may not respond to them in a uniform manner.
Global Privacy Control
Where required by applicable law, a valid Global Privacy Control signal may be treated as a request to opt out of the sale or sharing of personal information associated with the browser or device sending the signal. More information appears in our Privacy Policy.
Section 10
Retention of Cookie and Website Information
We retain cookie identifiers, consent records, analytics information, security logs, and related website information for periods that are reasonably necessary for the purpose collected, vendor configuration, legal requirements, dispute resolution, fraud prevention, and enforcement of agreements.
Retention periods differ by technology. You may be able to remove browser-stored cookies and local storage at any time through your browser settings, although copies of aggregated reports, security logs, or legally required records may remain.
Section 11
Changes to This Policy and Contact Information
We may update this Cookie Policy to reflect changes in website technology, vendors, legal requirements, business practices, or available consent tools. The “Last updated” date at the top of the page indicates when the latest revision became effective.
For questions about cookies, privacy, or website technologies, contact:
Patrick Collins / Let’s Talk Home Mortgage
E Mortgage Capital Inc. · NMLS #1416824
3750 S. Susan Street, Santa Ana, CA 92704
Email: pcollins@emortgagecapital.com
Questions about cookies or privacy?
Contact Pat Collins or review the full Privacy Policy for more information about how personal information is collected, used, disclosed, and protected.
To provide the best experiences, we use technologies like cookies to store and/or access device information. Consenting to these technologies will allow us to process data such as browsing behavior or unique IDs on this site. Not consenting or withdrawing consent, may adversely affect certain features and functions.
Functional
Always active
The technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network.
Preferences
The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user.
Statistics
The technical storage or access that is used exclusively for statistical purposes.The technical storage or access that is used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you.
Marketing
The technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes.
