Privacy Policy & Legal Disclosures

Our Commitment to Your Privacy

At Shannon Wheeler Mortgage Team, protecting your personal information is an important part of the trust you place in us. We are committed to providing exceptional customer service while respecting your privacy and safeguarding the information you share with us.

Shannon Wheeler Mortgage Team is the customer-facing brand operated by Shannon Wheeler, Mortgage Sales Manager with Cornerstone First Mortgage, LLC. Mortgage lending services are provided through Cornerstone First Mortgage, LLC, a licensed mortgage company.

Shannon Wheeler Mortgage Team maintains and manages its own customer relationship management systems, marketing communications, and customer engagement platforms. Information collected through these platforms may be accessed and managed by Shannon Wheeler and authorized members of his team, as well as Cornerstone First Mortgage and authorized service providers when necessary for legitimate business, lending, compliance, and regulatory purposes.

This Privacy Policy explains how information collected through shannonwheeler.com and our associated communication platforms may be collected, used, shared, and protected.

1. Information We Collect

We may collect personal and nonpublic information necessary to respond to inquiries, provide mortgage-related services, communicate with customers, and facilitate the mortgage lending process.

Information may include:

• Personal Information: Name, mailing address, email address, telephone number, and other contact details.
• Mortgage and Financial Information: Employment information, income, assets, liabilities, credit history, Social Security number, and other information necessary to evaluate mortgage financing options.
• Application Information: Information submitted through mortgage applications, online forms, telephone conversations, email, text messaging, or in-person meetings.
• Transaction Information: Loan application status, transaction history, account activity, and other information related to mortgage services.
• Third-Party Verification Information: Information obtained from credit reporting agencies, employers, financial institutions, and other authorized sources.
• Website and Digital Information: Information relating to website visits, browser types, device information, IP addresses, cookies, and interactions with our website or communications.

We collect this information directly from you, through authorized third parties, and through the digital platforms used to provide our services.

2. How We Use Your Information

Shannon Wheeler Mortgage Team may use collected information to:

• Respond to mortgage inquiries and requests for information.
• Assist with mortgage prequalification, applications, and loan transactions.
• Communicate regarding mortgage products, financing options, rates, appointments, and application updates.
• Provide customer service and ongoing relationship management.
• Send appointment reminders, transactional notifications, and other requested communications.
• Provide mortgage-related educational materials, updates, and promotional communications when permitted by law and your communication preferences.
• Improve our website, services, and customer experience.
• Maintain accurate records and comply with applicable legal and regulatory requirements.

Information collected through our website and communication systems may be maintained within systems administered by Shannon Wheeler Mortgage Team and made available to Cornerstone First Mortgage as necessary to perform mortgage lending activities and meet applicable obligations.

3. Information Sharing and Disclosure

We respect the confidentiality of your personal information.

Shannon Wheeler Mortgage Team does not sell personal information to unrelated third-party marketing companies.

We may share information with the following parties when necessary or otherwise permitted by applicable law:

• Cornerstone First Mortgage, LLC: As the mortgage company through which lending services are provided, Cornerstone First Mortgage may receive and access information necessary for mortgage origination, processing, underwriting, compliance, recordkeeping, and related business purposes.
• Authorized Team Members: Shannon Wheeler and authorized members of Shannon Wheeler Mortgage Team may access customer information to provide services, manage communications, and maintain customer relationships.
• Mortgage Service Providers: Information may be shared with credit reporting agencies, title companies, appraisal providers, underwriting services, settlement providers, verification companies, and other parties involved in mortgage transactions.
• Technology and Communication Providers: We may use third-party service providers to operate our website, customer relationship management software, email systems, SMS messaging services, scheduling platforms, automation tools, and other business systems.
• Legal and Regulatory Authorities: We may disclose information when required by law, regulation, subpoena, legal process, or other applicable compliance requirements.

We do not authorize third-party communication service providers to use customer mobile information obtained through our SMS programs for their own independent marketing purposes.

Information sharing relating to mortgage accounts and financial products is also governed by applicable federal and state privacy laws and any required privacy notices provided by Cornerstone First Mortgage.

4. Customer Data and Communication Platforms

Shannon Wheeler Mortgage Team independently manages certain customer relationship, marketing, and communication platforms used in connection with its business activities.

These systems may include:

• Customer relationship management (CRM) software.
• Email and SMS communication platforms.
• Online contact and inquiry forms.
• Appointment scheduling systems.
• Marketing automation and customer follow-up systems.
• Website analytics and customer engagement tools.

Shannon Wheeler and authorized members of his team retain administrative access to information maintained within their team-managed systems, subject to applicable laws, customer privacy rights, company policies, and contractual obligations.

Customer information may also be maintained within Cornerstone First Mortgage's systems when necessary for mortgage lending and regulatory purposes.

The use of independently managed communication platforms does not remove or limit Cornerstone First Mortgage's legal responsibilities relating to mortgage transactions or customer financial information.

5. Data Security and Confidentiality

We take reasonable administrative, technical, and organizational measures intended to protect personal information against unauthorized access, misuse, disclosure, or alteration.

Access to customer information is limited to authorized individuals and service providers who require the information for legitimate business purposes.

Although we work to protect the information entrusted to us, no electronic transmission or storage system can be guaranteed to be completely secure.

We encourage customers to avoid transmitting Social Security numbers, bank account information, or other highly sensitive financial information through unsecured email, text messages, or general website contact forms. When sensitive documents are required, customers should use an approved secure submission method.

6. SMS Text Messaging and Email Communications

Shannon Wheeler Mortgage Team may communicate with customers and prospective customers through telephone calls, email, and SMS text messaging.

Communications may include:

• Responses to mortgage inquiries.
• Appointment confirmations and reminders.
• Loan application updates and requested follow-ups.
• Mortgage-related educational information.
• Rate and financing updates.
• Promotional or marketing communications when appropriate consent has been obtained.

By voluntarily providing your contact information and separately opting in to receive SMS marketing communications where required, you authorize Shannon Wheeler Mortgage Team, operating in connection with Cornerstone First Mortgage, LLC, to contact you as described in the applicable consent disclosure.

Consent to receive marketing text messages is not required to apply for or obtain a mortgage loan.

Message frequency varies. Message and data rates may apply.

You may opt out of SMS communications at any time by replying STOP to a message from our messaging system. For assistance, reply HELP or contact Shannon Wheeler Mortgage Team at (615) 417-6640.

We honor applicable communication preferences and opt-out requests in accordance with relevant laws.

We do not sell or share mobile phone numbers or SMS opt-in consent information with third parties for their independent marketing or promotional purposes. Sharing with service providers necessary to deliver our messaging services is permitted.

7. Cookies and Website Analytics

Our website may use cookies, analytics tools, and similar technologies to understand website traffic, evaluate visitor interactions, and improve the website experience.

Information collected may include browser information, device details, website usage patterns, and general location information derived from IP addresses.

Where required by applicable law, visitors will be provided with appropriate choices regarding nonessential cookies and tracking technologies.

You may also control certain cookie preferences through your browser settings.

8. Third-Party Websites and Services

Our website may contain links to external websites, mortgage application portals, financial service providers, or other resources.

These third-party websites may operate under their own privacy policies and terms of use.

Shannon Wheeler Mortgage Team is not responsible for the privacy practices or content of independently operated third-party websites.

We encourage visitors to review the privacy policies of any external services before submitting personal or financial information.

9. Data Retention

We retain personal information for as long as reasonably necessary to provide services, maintain business records, support customer relationships, fulfill contractual obligations, and comply with applicable laws.

Mortgage-related records may be subject to specific federal and state record-retention requirements.

Requests for deletion or modification of personal information will be evaluated in accordance with applicable privacy laws and legal retention obligations.

10. Your Privacy Choices

You may contact us to:

• Request information regarding our collection and use of your personal information.
• Update or correct your contact details.
• Change your marketing communication preferences.
• Request removal from marketing email or SMS lists.
• Ask questions about applicable privacy rights or information-sharing practices.

Certain customer information may need to be retained or disclosed by Cornerstone First Mortgage to comply with mortgage lending laws, financial recordkeeping obligations, and regulatory requirements.

11. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time.

Changes will be published on this website, and the updated effective date will appear at the top of this policy.

Continued use of the website following an update is subject to the revised policy, except where additional consent or notice is required by law.

12. Contact Information

For questions regarding this Privacy Policy, your personal information, or communications from Shannon Wheeler Mortgage Team, please contact:

Cornerstone First Mortgage, LLC

• Phone: (866) 815-1803
• Email: info@cfmtg.com
• For additional information about Cornerstone First Mortgage's privacy practices, please visit https://cfmtg.com/legal/.

General Information

The information provided on shannonwheeler.com is intended for general informational and educational purposes.

Shannon Wheeler Mortgage Team operates as the customer-facing brand of Shannon Wheeler, Mortgage Sales Manager with Cornerstone First Mortgage, LLC. Mortgage lending services are provided through Cornerstone First Mortgage, LLC.

While we make reasonable efforts to ensure the accuracy of information presented on this website, mortgage products, programs, lending requirements, rates, and other information may change without notice.

Website content should not be interpreted as a commitment to lend, guarantee of financing, or binding offer of any particular mortgage product or interest rate.

Loan availability, qualification, and approval depend upon individual financial circumstances, underwriting criteria, property eligibility, applicable laws, and lender requirements.

Professional Advice

Information provided through this website does not constitute legal, accounting, tax, or other professional financial advice.

Customers should consult qualified legal, tax, or financial professionals when evaluating matters outside the scope of mortgage lending services.

Website Use and Intellectual Property

All original website content, including written materials, graphics, branding elements, and other proprietary materials, is protected by applicable copyright and intellectual property laws.

Unauthorized reproduction, modification, redistribution, or commercial use of protected materials is prohibited without prior written permission from the applicable rights holder.

Limitation of Liability

To the fullest extent permitted by applicable law, Shannon Wheeler Mortgage Team and Cornerstone First Mortgage, LLC disclaim liability for damages arising from inaccuracies, interruptions, or technical limitations associated with the use of this website, except where liability cannot legally be excluded.

Nothing in this disclaimer limits any rights or protections provided to consumers under applicable law.

All mortgage loans are subject to credit approval, underwriting requirements, and applicable lending guidelines.

Mortgage interest rates, annual percentage rates (APR), terms, programs, and availability are subject to change without notice.

Rates and loan terms may vary based on factors including:

• Credit score and credit history.
• Loan type and program.
• Loan amount and loan term.
• Property type and occupancy.
• Loan-to-value ratio.
• Down payment.
• Discount points and associated fees.
• Market conditions and interest rate lock period.

Any rates displayed on this website are for informational purposes unless expressly identified as a specific, applicable offer.

A rate is not guaranteed until properly locked in accordance with applicable lender procedures.

Not all applicants will qualify for all loan programs or advertised terms.

Shannon Wheeler Mortgage Team Customer Notifications

Program Name: Shannon Wheeler Mortgage Team SMS Notifications

Shannon Wheeler Mortgage Team, operating in connection with Cornerstone First Mortgage, LLC, offers SMS messaging services to assist customers and prospective customers with mortgage-related communications.

These messaging services may be operated through communication platforms independently managed by Shannon Wheeler Mortgage Team.

1. Program Description

Subscribers may receive text messages regarding:

• Mortgage inquiries and requested information.
• Appointment scheduling and reminders.
• Loan application and transaction updates.
• Customer service communications.
• Mortgage education and financing information.
• Interest rate and mortgage product updates.
• Promotional offers and marketing messages where appropriate consent has been obtained.

2. Consent to Receive Messages

By affirmatively opting in through an applicable website form, written agreement, or other authorized enrollment process, you consent to receive the categories of SMS messages described in that consent request from Shannon Wheeler Mortgage Team, operating in connection with Cornerstone First Mortgage, LLC.

Messages may be sent using automated technology where permitted by law and authorized by the consent provided.

Consent to receive marketing SMS messages is not a condition of purchasing any goods or services, applying for a loan, or obtaining mortgage financing.

Providing a telephone number through a general inquiry form does not, by itself, constitute consent to receive automated marketing text messages.

3. Message Frequency and Charges

Message frequency varies depending on customer activity, communication preferences, and the nature of the mortgage inquiry or transaction.

Message and data rates may apply based on your mobile service provider and individual wireless plan.

Shannon Wheeler Mortgage Team and Cornerstone First Mortgage, LLC are not responsible for charges imposed by your wireless carrier.

4. Opting Out

You can cancel SMS messaging at any time by replying STOP to a text message received from Shannon Wheeler Mortgage Team.

You may receive a final confirmation message acknowledging your opt-out request.

You may also contact us at (615) 417-6640 to request removal from applicable messaging lists.

Opt-out requests will be processed in accordance with applicable law.

5. Customer Support

For assistance with our SMS messaging program, reply HELP to a message or contact:

6. Privacy and Mobile Information

We respect the privacy of our SMS subscribers.

Mobile phone numbers, SMS opt-in data, and related consent records are used to administer our messaging program and provide authorized customer communications.

No mobile information will be shared with third parties or affiliates for their independent marketing or promotional purposes. Text messaging opt-in data and consent will not be sold or shared with third parties for their independent marketing purposes.

Information may be shared with messaging platforms, telecommunications providers, and other service providers as necessary to operate and deliver our messaging services.

Our full Privacy Policy is available on shannonwheeler.com.

7. Message Delivery

SMS messaging services are provided on a best-effort basis.

Message delivery may be affected by wireless carrier availability, network connectivity, device compatibility, technical interruptions, and other circumstances beyond our control.

Shannon Wheeler Mortgage Team and Cornerstone First Mortgage, LLC do not guarantee immediate or uninterrupted message delivery.

SMS messages should not be relied upon as the sole method for receiving urgent or time-sensitive mortgage information.

8. Mobile Number Responsibility

By subscribing to our SMS program, you represent that you are authorized to receive text messages at the mobile number provided.

You agree to notify us if your telephone number changes or if you no longer have authorization to receive messages at that number.

9. Changes to Messaging Terms

We reserve the right to modify these SMS Terms and Conditions in accordance with applicable law.

Material changes will be communicated where required.

Continued participation in our SMS program following properly communicated changes is subject to applicable consent requirements.

Mortgage services are provided through Cornerstone First Mortgage, LLC.

Licensing information may be verified through the Nationwide Multistate Licensing System (NMLS) Consumer Access website:

https://www.nmlsconsumeraccess.org

All loans are subject to credit approval and applicable lending requirements. Not all products or services are available in all states or to all applicants.