Effective date: October 23, 2026
This Privacy Policy describes how Federal First Lending LLC, doing business as Sunset Home Lending (“Sunset Home Lending,” “we,” “us” or “our”), NMLS #2381991, collects, uses, shares and protects personal information when you visit this website, contact us or work with Bethany Sanchez (NMLS #2425491). By using this website you acknowledge the practices described here. If you become a customer, you will also receive our separate privacy notice that explains how we handle nonpublic personal information under federal law.
Information we collect
The information we collect depends on how you interact with us.
Information you give us. When you submit our contact form, call, email or text us, we may collect your name, phone number, email address, the type of help you are seeking, the property city or ZIP code, your timeline and any message you choose to send. If you later apply for a loan through our secure application system, we collect additional information such as your Social Security number, income, assets, debts, employment and property details. That information is handled under the separate notice you receive when you apply.
Information collected automatically. Like most websites, our servers and hosting provider receive technical data when you visit, such as your IP address, browser type, device type, pages viewed and referring website. If you arrive through a campaign link, we may record campaign details such as the source, medium and campaign name so we know which efforts are helpful.
Information from others. With your authorization we may obtain credit reports, verification of employment or assets, and property information from third parties as part of evaluating your loan request.
Quick quote and offer review. If you use the HELOC quick quote, we receive the property details you enter (estimated value, mortgage balance, requested amount, ZIP code, property type, occupancy and an estimated credit score range) so we can calculate estimates; we only learn who you are if you choose to secure an option. If you use Compare my offer, we receive the Loan Estimate or quote you upload, which can include your name, property address and loan details. Uploaded documents are delivered directly to Bethany Sanchez and used only to review your offer and respond to you.
What we do not collect on this website. Our website forms are not designed to collect Social Security numbers, dates of birth, bank account numbers or other highly sensitive information. Please do not send this information through the form or by regular email.
How we use information
We use personal information to:
- Respond to your questions and requests
- Evaluate your goals and provide mortgage options
- Process and service a loan if you apply
- Communicate with you about your inquiry or application, including by phone, text and email where you have agreed to be contacted
- Operate, secure and improve this website
- Understand which pages and resources are helpful
- Comply with legal and regulatory obligations, including recordkeeping and fair lending requirements
- Detect and prevent fraud, abuse and security incidents
How we share information
We do not sell your personal information. We may share information:
- With service providers that help us run our business, such as website hosting, form processing and email delivery, customer relationship management, communications, credit reporting, appraisal, title and escrow, and secure document systems. These providers are expected to use information only to provide services to us.
- With your agent or other professionals, at your direction. For example, if you ask us to update your real estate agent on your loan status, we will do so only with your permission.
- With lenders, investors and settlement providers as needed to process, fund, sell or service a loan you have applied for.
- To comply with law or protect rights, such as responding to subpoenas, regulators or legal process, and to protect the safety, rights or property of others.
- In a business transaction, such as a merger or sale, subject to appropriate protections.
[EDIT] If you have affiliates or joint marketing arrangements, describe them accurately here and in the separate GLBA privacy notice.
Text messages, calls and email
If you check the optional call and text box on a form, Sunset Home Lending and Bethany Sanchez may call or text the number you provided about your request, appointments and loan options, including occasional marketing messages, and some messages may use automated technology. Checking the box is never required to submit a form or to get a loan. If you leave it unchecked, we reply by email or a regular phone call only. Message frequency varies. Message and data rates may apply. Reply STOP to opt out of texts or HELP for help, or use the opt-out form. Full program details are on the terms page.
No sharing of mobile information. We do not share, sell or rent mobile phone numbers or text messaging opt-in data and consent with third parties or affiliates for their marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties, except service providers that help us deliver messages, such as our texting platform.
We also honor requests to be removed from our contact lists and comply with applicable do-not-call rules.
Cookies, analytics and similar technologies
This website is built to work without advertising cookies or third-party trackers. If privacy-friendly analytics such as Cloudflare Web Analytics is turned on, it measures aggregate traffic without cookies that follow you across sites. Links to the secure application portal and the scheduling service take you to those providers’ websites, which have their own privacy policies.
Some browsers offer a “Do Not Track” or Global Privacy Control setting. Because this website does not track you across other websites or sell personal information, there is no cross-site tracking for these signals to turn off. If tracking or advertising tools are ever added, we will honor Global Privacy Control signals where the law requires.
Security
We use administrative, technical and physical safeguards designed to protect personal information, including encrypted connections, access controls and secure systems for sensitive documents. No method of transmission or storage is completely secure, so we cannot guarantee absolute security. For your protection, please do not email sensitive information such as Social Security numbers or bank account details. We will provide a secure link when it is time to share documents.
Data retention
We keep personal information as long as reasonably necessary for the purposes described in this policy and to meet legal, tax, accounting and regulatory requirements. Mortgage records are often subject to long retention periods. When information is no longer needed, we delete or de-identify it according to our retention practices. [EDIT] Add specific retention periods.
Your choices and rights
- Marketing communications. You can opt out of marketing messages at any time using the instructions in the message or by contacting us.
- Access, correction and deletion. Depending on your state of residence, you may have rights to request access to, correction of or deletion of personal information. Certain information collected in connection with a loan is exempt from some privacy laws or must be retained for legal reasons.
- Credit reports. If we use a credit report to make a decision, you have rights under the Fair Credit Reporting Act.
- How to exercise your rights. Contact us using the information below. We may need to verify your identity before we can respond.
[EDIT] Add the state-specific notices (for example, notices for California residents) required for the states where you do business.
Children’s privacy
This website is intended for adults and is not directed to children under 13. We do not knowingly collect personal information from children.
Links to other websites
This website links to third-party sites, such as the secure application portal, our scheduling service, government agencies and community resources. We do not control those sites and are not responsible for their privacy practices. Please read their policies.
Changes to this policy
We may update this policy from time to time. When we do, we will change the effective date at the top of the page. Please review it periodically.
Contact us
If you have questions about this policy or want to exercise a privacy right, contact:
Federal First Lending LLC 8149 E Evans Rd, Suite 1, Scottsdale, AZ 85260 (760) 713-3814, [email protected]
You can also read our disclosures or visit the contact page.
Frequently asked questions
Do you sell my personal information?
No. Sunset Home Lending does not sell your personal information. We share information only as described in this policy, such as with service providers who help us process your loan and with others when you ask us to or when the law requires.
What information do the website forms collect?
The contact forms collect your name, phone number, email address, your goal and optional details such as property location and timeline. The HELOC quick quote collects property details such as estimated value, mortgage balance and ZIP code, and Compare my offer collects the document you choose to upload. No form asks for your Social Security number, date of birth or bank account numbers.
How do I stop text messages or calls?
Reply STOP to any text message, use the opt-out form, or tell us by phone or email and we will remove you from our marketing contact lists. Messages directly related to a loan application you submitted may still be necessary.
Does this website use cookies?
No advertising or tracking cookies. This website is built without third-party trackers. If privacy-friendly analytics such as Cloudflare Web Analytics is turned on, it measures overall traffic without cookies that follow you across sites.
How long do you keep my information?
We keep information as long as needed to respond to you, provide services and meet legal, regulatory and recordkeeping obligations. Mortgage records are subject to retention requirements, so some information must be kept even after a loan closes or an application ends. [EDIT] Add your specific retention periods.
How do I ask what information you have about me?
Contact us at [email protected] or (760) 713-3814 and tell us what you would like to know. Depending on where you live, you may have the right to request access to, correction of or deletion of certain personal information. We will verify your identity and respond as the law requires.