Effective Date: May 15, 2026 · Presto Home Loans · South San Francisco, California
Presto Home Loans ("Presto," "we," "us," or "our") is committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and protect your data when you visit our website, submit a loan application, or interact with our services.
We collect information you provide directly to us, including:
We also collect limited technical data automatically when you visit our website, including device type, browser, IP address, and pages viewed. This data is used solely to improve site performance and is not sold or shared with third parties for marketing purposes.
We do not sell your personal information. We share it only as necessary to process your loan:
If you are a California resident, you have the following rights under the California Consumer Privacy Act and the California Privacy Rights Act:
To exercise your rights, contact us at [email protected] or call (844) 477-3786. We will respond within 45 days as required by law.
We use industry-standard security measures to protect your personal information, including encrypted data transmission (HTTPS/TLS), access controls, and secure document storage. Social Security Numbers are masked in all systems — only the last 4 digits are displayed to any user at any time.
We retain your personal information for as long as required to process your loan and comply with applicable law. Loan application records are retained for a minimum of 3 years. Marketing communications records are retained until you opt out.
We may update this Privacy Policy periodically. Material changes will be posted on this page with an updated effective date. Your continued use of our services after any change constitutes your acceptance of the updated policy.
Presto Home Loans uses AI-assisted tools to improve the speed and quality of service we provide. We are committed to transparency about how and where AI is used.
If you prefer to interact exclusively with a human representative, please call us directly at (844) 477-3786 and we will connect you with a team member.
Federal and California state law requires mortgage brokers and loan originators to disclose their licensing information at first contact and in all advertising.
To verify our licenses, visit the Nationwide Multistate Licensing System (NMLS) Consumer Access portal at nmlsconsumeraccess.org.
Presto Home Loans is a licensed California mortgage brokerage. We originate and broker residential mortgage loans. We do not fund loans directly — loans are funded by our wholesale lending partners. As a broker, we are paid a broker compensation fee disclosed on your Loan Estimate.
Presto Home Loans complies with the Equal Credit Opportunity Act (ECOA), the Fair Housing Act, and all applicable California fair lending laws. We do not discriminate in the provision of or access to financial products or services based on race, color, national origin, religion, sex, gender identity or expression, sexual orientation, age, disability, familial status, marital status, source of income, or any other characteristic protected by law.
If you believe you have been subject to discriminatory treatment, you may contact the California Department of Financial Protection and Innovation (DFPI) at dfpi.ca.gov or the U.S. Department of Housing and Urban Development (HUD) at hud.gov/fairhousing.
By accessing or using the Presto Home Loans website (prestohomeloans.com) and any related services, you agree to these Terms of Use. If you do not agree, please do not use our site or services.
This site is provided for informational purposes and to facilitate the mortgage application process. You agree to use this site only for lawful purposes and in a manner consistent with all applicable laws. You may not use this site to transmit fraudulent, misleading, or harmful content.
Information provided on this site, including rate estimates, loan calculators, and qualification guidance, does not constitute a loan commitment or guarantee of loan approval. Final loan approval is subject to underwriting, lender requirements, and applicable law.
We strive to keep information on this site accurate and up to date. However, mortgage rates, program terms, and regulatory requirements change frequently. Always confirm current rates and terms directly with a Presto loan professional before making any financial decisions.
Our site may contain links to third-party websites (e.g., CalHFA, NMLS Consumer Access, HUD). We are not responsible for the content, privacy practices, or accuracy of third-party sites.
All content on this site — including text, images, logos, and design — is the property of Presto Home Loans and may not be reproduced, distributed, or used without our prior written consent.
To the maximum extent permitted by law, Presto Home Loans shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this site or our services. Our total liability for any claim shall not exceed the amount of fees paid by you in connection with the specific transaction giving rise to the claim.
These Terms of Use are governed by the laws of the State of California without regard to its conflict of laws provisions. Any disputes shall be resolved in the courts of San Mateo County, California.
All legal notices should be directed to: [email protected] or mailed to our principal office in South San Francisco, California.
For privacy requests, legal questions, or accessibility concerns, please reach us through any of the following:
For CCPA requests, we will acknowledge receipt within 10 business days and respond fully within 45 calendar days. For accessibility accommodations, please call us directly and we will assist you in an alternative format.