{"id":1911,"date":"2026-10-28T22:40:26","date_gmt":"2026-10-28T22:40:26","guid":{"rendered":"https:\/\/vivahomeloans.com\/?page_id=1911"},"modified":"2026-10-28T23:01:01","modified_gmt":"2026-10-28T23:01:01","slug":"sms-communications-policy","status":"publish","type":"page","link":"https:\/\/vivahomeloans.com\/eng\/sms-communications-policy\/","title":{"rendered":"SMS &amp; Communications Policy"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1911\" class=\"elementor elementor-1911\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a72c611 e-flex e-con-boxed e-con e-parent\" data-id=\"a72c611\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10cbf09 elementor-widget elementor-widget-heading\" data-id=\"10cbf09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SMS &amp; Communications Policy<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d4b87f9 elementor-widget elementor-widget-heading\" data-id=\"d4b87f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Effective Date \/ Last Updated: October 2026<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a5572c4 elementor-widget elementor-widget-text-editor\" data-id=\"a5572c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"background-color: rgba(0, 0, 0, 0);\">This <\/span><b style=\"background-color: rgba(0, 0, 0, 0);\" data-path-to-node=\"2\" data-index-in-node=\"5\">SMS and Communications Policy<\/b><span style=\"background-color: rgba(0, 0, 0, 0);\"> outlines how <\/span><b style=\"background-color: rgba(0, 0, 0, 0);\" data-path-to-node=\"2\" data-index-in-node=\"48\">VIVA Home Loans<\/b><span style=\"background-color: rgba(0, 0, 0, 0);\"> (Branch NMLS ID:<\/span><span style=\"background-color: rgba(0, 0, 0, 0);\"> 2523861),<\/span><span style=\"background-color: rgba(0, 0, 0, 0);\"> a registered DBA of <\/span><b style=\"background-color: rgba(0, 0, 0, 0);\" data-path-to-node=\"2\" data-index-in-node=\"111\">Home Mortgage Alliance Corporation (HMAC)<\/b><span style=\"background-color: rgba(0, 0, 0, 0);\"> (NMLS ID:<\/span><span style=\"background-color: rgba(0, 0, 0, 0);\"> 1165808),<\/span><span style=\"background-color: rgba(0, 0, 0, 0);\"> collects,<\/span><span style=\"background-color: rgba(0, 0, 0, 0);\"> uses,<\/span><span style=\"background-color: rgba(0, 0, 0, 0);\"> and protects mobile phone numbers and communication preferences for text messaging (SMS) and telephone calls.<\/span><\/p><h2 data-path-to-node=\"4\">1. Scope and Explicit Consent Collection<\/h2><p data-path-to-node=\"5\">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.<\/p><p data-path-to-node=\"6\">Consent to receive text messages (SMS) and telephone calls (including automated or pre-recorded voice messages) is obtained strictly through opt-in mechanisms:<\/p><ul data-path-to-node=\"7\"><li><p data-path-to-node=\"7,0,0\">An unchecked, voluntary opt-in checkbox on our online contact forms and application portals.<\/p><\/li><li><p data-path-to-node=\"7,1,0\">Written authorization on formal mortgage application and disclosures forms.<\/p><\/li><li><p data-path-to-node=\"7,2,0\">Verbal consent provided during phone interactions with our authorized representatives, documented in our secure system.<\/p><\/li><\/ul><p data-path-to-node=\"8\"><i data-path-to-node=\"8\" data-index-in-node=\"0\">Note: Consent to receive SMS messages is not a requirement or condition for purchasing any property, goods, or mortgage services.<\/i><\/p><h2 data-path-to-node=\"10\">2. Purpose of Mobile Communications<\/h2><p data-path-to-node=\"11\">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:<\/p><ul data-path-to-node=\"12\"><li><p data-path-to-node=\"12,0,0\">Providing loan application progress updates and milestone alerts.<\/p><\/li><li><p data-path-to-node=\"12,1,0\">Requesting required documentation and verification items.<\/p><\/li><li><p data-path-to-node=\"12,2,0\">Sending appointment reminders and closing schedule notifications.<\/p><\/li><li><p data-path-to-node=\"12,3,0\">Responding directly to inquiries, support requests, or pre-approval evaluations.<\/p><\/li><li><p data-path-to-node=\"12,4,0\">Delivering promotional updates or rate notifications (only when explicit promotional consent was granted).<\/p><\/li><\/ul><h2 data-path-to-node=\"14\">3. Strict Non-Sharing &amp; Privacy Guarantee<\/h2><p data-path-to-node=\"15\"><b data-path-to-node=\"15\" data-index-in-node=\"0\">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.<\/b><\/p><p data-path-to-node=\"16\">We maintain strict physical, technical, and administrative safeguards to ensure your phone number and messaging preferences remain confidential and secure.<\/p><h2 data-path-to-node=\"18\">4. Message Frequency and Message &amp; Data Rates<\/h2><ul data-path-to-node=\"19\"><li><p data-path-to-node=\"19,0,0\"><b data-path-to-node=\"19,0,0\" data-index-in-node=\"0\">Message Frequency:<\/b> Message frequency varies based on customer activity, interaction levels, and active loan application processing status.<\/p><\/li><li><p data-path-to-node=\"19,1,0\"><b data-path-to-node=\"19,1,0\" data-index-in-node=\"0\">Costs:<\/b> Standard <b data-path-to-node=\"19,1,0\" data-index-in-node=\"16\">Message and Data Rates May Apply<\/b> depending on your mobile carrier and personal cellular plan.<\/p><\/li><\/ul><h2 data-path-to-node=\"21\">5. Opt-Out and Help Instructions<\/h2><p data-path-to-node=\"22\">You may opt-out or request assistance regarding mobile communications at any time:<\/p><ul data-path-to-node=\"23\"><li><p data-path-to-node=\"23,0,0\"><b data-path-to-node=\"23,0,0\" data-index-in-node=\"0\">Opt-Out (Unsubscribe):<\/b> Reply <b data-path-to-node=\"23,0,0\" data-index-in-node=\"29\">STOP<\/b> to any text message received from VIVA Home Loans. Upon sending <b data-path-to-node=\"23,0,0\" data-index-in-node=\"98\">STOP<\/b>, you will receive a single confirmation message confirming your unsubscribe request, and no further text messages will be sent unless you re-subscribe.<\/p><\/li><li><p data-path-to-node=\"23,1,0\"><b data-path-to-node=\"23,1,0\" data-index-in-node=\"0\">Help &amp; Customer Support:<\/b> Reply <b data-path-to-node=\"23,1,0\" data-index-in-node=\"31\">HELP<\/b> to any text message for customer support instructions, or contact us directly at <b data-path-to-node=\"23,1,0\" data-index-in-node=\"117\">info@vivahomeloans.com<\/b> or call <b data-path-to-node=\"23,1,0\" data-index-in-node=\"148\">1.833.764.2272<\/b> (1.833.7 MI CASA).<\/p><\/li><\/ul><h2 data-path-to-node=\"25\">6. Contact Information<\/h2><p data-path-to-node=\"26\">For questions regarding this Communications Policy or our general privacy practices, contact us through any of the following channels:<\/p><ul data-path-to-node=\"27\"><li><p data-path-to-node=\"27,0,0\"><b data-path-to-node=\"27,0,0\" data-index-in-node=\"0\">Legal Entity:<\/b> Home Mortgage Alliance Corporation (HMAC) d\/b\/a VIVA Home Loans<\/p><\/li><li><p data-path-to-node=\"27,1,0\"><b data-path-to-node=\"27,1,0\" data-index-in-node=\"0\">NMLS ID:<\/b> Company NMLS # 1165808 | Branch NMLS # 2523861<\/p><\/li><li><p data-path-to-node=\"27,2,0\"><b data-path-to-node=\"27,2,0\" data-index-in-node=\"0\">Email:<\/b> info@vivahomeloans.com<\/p><\/li><li><p data-path-to-node=\"27,3,0\"><b data-path-to-node=\"27,3,0\" data-index-in-node=\"0\">Phone:<\/b> 1.833.764.2272 | 866-275-2677 | 714-417-9895<\/p><\/li><li><p data-path-to-node=\"27,4,0\"><b data-path-to-node=\"27,4,0\" data-index-in-node=\"0\">Corporate Headquarters:<\/b> 4 Hutton Centre Dr., Ste. 500, Santa Ana, CA 92707<\/p><\/li><li><p data-path-to-node=\"27,5,0\"><b data-path-to-node=\"27,5,0\" data-index-in-node=\"0\">Branch Office:<\/b> 8133 Leesburg Pike, Suite 380 \/ Suite 580, Tysons Corner, VA 22182<\/p><\/li><li><p data-path-to-node=\"27,6,0\"><b data-path-to-node=\"27,6,0\" data-index-in-node=\"0\">Website:<\/b> <a class=\"ng-star-inserted\" href=\"https:\/\/www.google.com\/search?q=https%3A%2F%2Fwww.vivahomeloans.com\" target=\"_blank\" rel=\"noopener\" data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwjYuPb47tyXAxUAAAAAHQAAAAAQywg\">www.vivahomeloans.com<\/a> | <a class=\"ng-star-inserted\" href=\"https:\/\/www.google.com\/search?q=https%3A%2F%2Fwww.homemac.com\" target=\"_blank\" rel=\"noopener\" data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwjYuPb47tyXAxUAAAAAHQAAAAAQzAg\">www.homemac.com<\/a><\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>SMS &amp; Communications Policy Effective Date \/ Last Updated: October 2026 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&#8230;.<\/p>","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_kad_post_transparent":"","_kad_post_title":"hide","_kad_post_layout":"fullwidth","_kad_post_sidebar_id":"","_kad_post_content_style":"unboxed","_kad_post_vertical_padding":"hide","_kad_post_feature":"hide","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"class_list":["post-1911","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/vivahomeloans.com\/eng\/wp-json\/wp\/v2\/pages\/1911","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vivahomeloans.com\/eng\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/vivahomeloans.com\/eng\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/vivahomeloans.com\/eng\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/vivahomeloans.com\/eng\/wp-json\/wp\/v2\/comments?post=1911"}],"version-history":[{"count":7,"href":"https:\/\/vivahomeloans.com\/eng\/wp-json\/wp\/v2\/pages\/1911\/revisions"}],"predecessor-version":[{"id":1921,"href":"https:\/\/vivahomeloans.com\/eng\/wp-json\/wp\/v2\/pages\/1911\/revisions\/1921"}],"wp:attachment":[{"href":"https:\/\/vivahomeloans.com\/eng\/wp-json\/wp\/v2\/media?parent=1911"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}