This SMS and Communications Policy outlines how VIVA Home Loans (Branch NMLS ID: 2523861), a registered DBA of Home Mortgage Alliance Corporation (HMAC) (NMLS ID: 1165808), collects, uses, and protects mobile phone numbers and communication preferences for text messaging (SMS) and telephone calls.

1. Scope and Explicit Consent Collection

VIVA Home Loans / HMAC collects mobile phone numbers directly from individuals who voluntarily provide their contact details through our web forms, loan application portals, telephone consultations, or written agreements.

Consent to receive text messages (SMS) and telephone calls (including automated or pre-recorded voice messages) is obtained strictly through opt-in mechanisms:

• An unchecked, voluntary opt-in checkbox on our online contact forms and application portals.

• Written authorization on formal mortgage application and disclosures forms.

• Verbal consent provided during phone interactions with our authorized representatives, documented in our secure system.

Note: Consent to receive SMS messages is not a requirement or condition for purchasing any property, goods, or mortgage services.

2. Purpose of Mobile Communications

Mobile phone numbers and SMS consent collected by VIVA Home Loans / HMAC are used exclusively for mortgage-related operational, transactional, and customer service purposes, including:

• Providing loan application progress updates and milestone alerts.

• Requesting required documentation and verification items.

• Sending appointment reminders and closing schedule notifications.

• Responding directly to inquiries, support requests, or pre-approval evaluations.

• Delivering promotional updates or rate notifications (only when explicit promotional consent was granted).

3. Strict Non-Sharing & Privacy Guarantee

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties or affiliates.

We maintain strict physical, technical, and administrative safeguards to ensure your phone number and messaging preferences remain confidential and secure.

4. Message Frequency and Message & Data Rates

• Message Frequency: Message frequency varies based on customer activity, interaction levels, and active loan application processing status.

• Costs: Standard Message and Data Rates May Apply depending on your mobile carrier and personal cellular plan.

5. Opt-Out and Help Instructions

You may opt-out or request assistance regarding mobile communications at any time:

• Opt-Out (Unsubscribe): Reply STOP to any text message received from VIVA Home Loans. Upon sending STOP, you will receive a single confirmation message confirming your unsubscribe request, and no further text messages will be sent unless you re-subscribe.

• Help & Customer Support: Reply HELP to any text message for customer support instructions, or contact us directly at info@vivahomeloans.com or call 1.833.764.2272 (1.833.7 MI CASA).

6. Contact Information

For questions regarding this Communications Policy or our general privacy practices, contact us through any of the following channels:

• Legal Entity: Home Mortgage Alliance Corporation (HMAC) d/b/a VIVA Home Loans

• NMLS ID: Company NMLS # 1165808 | Branch NMLS # 2523861

• Email: info@vivahomeloans.com

• Phone: 1.833.764.2272 | 866-275-2677 | 714-417-9895

• Corporate Headquarters: 4 Hutton Centre Dr., Ste. 500, Santa Ana, CA 92707

• Branch Office: 8133 Leesburg Pike, Suite 380 / Suite 580, Tysons Corner, VA 22182

• Website: www.vivahomeloans.com | www.homemac.com