Privacy Policy

Last updated November 9, 2026

This page is also available in Spanish. If the English and Spanish versions differ, the English version governs.

YourTruePayment ("we") is run by Your True Payment, LLC. Licensed loan officers at mortgage companies use YourTruePayment with their buyers and real estate partners. This policy explains what we collect when you use yourtruepayment.com, who we share it with, and your choices.

What we collect

• Without an account: the listing link or home details you enter, and the numbers you type into the analyzer. The numbers are processed in your browser and are not stored. We keep a random browser ID and a one-way scrambled (hashed) version of your IP address to count free analyses.
• With a free account: your full name, email address and mobile phone number, the homes you save and their analyses (including the income, debts, savings and credit score range you entered), and any review request or note you send.
• Site statistics: we use Vercel Web Analytics to count visits to our public pages. It does not use cookies and does not identify you. It records the page you viewed (without any codes in the link), the site that sent you, and your device type, browser and country.
• Consent records: when you agree to be contacted, we store the exact wording you agreed to, the date and time, your IP address and your browser type.

How we use it

• To show you payment estimates, save your homes and send your sign-in codes.
• So your loan officer can contact you about your home search and mortgage options, if you agreed to be contacted.
• To keep records required for licensing and consumer protection laws.

Who we share it with

We do not sell your information. We share it only with the services that run this site: our database and sign-in provider (Supabase), our email provider, our text message provider, our property data provider (for the listing address only), the customer relationship management system your loan officer uses, and our hosting provider (Vercel). Each uses it only to provide its service. We may also disclose information when the law requires it.

Your loan officer and their company. When you create an account, your information goes to one loan officer: the one your real estate agent works with if you came through an agent's link, the one whose own link you used, or otherwise the licensed loan officer the site assigns to new buyers. Their name is on your pages and in the consent you agree to. That loan officer and the mortgage company they work for receive your information so they can answer your questions and help with a loan. They use it under their company's own privacy policy, which also covers any loan application. You'll find it linked at the bottom of their pages and emails.

Your real estate agent. We share your information with a real estate agent only when you tell us to: when you share a report with your agent or choose one of our partner agents, or when you agree to it while signing up through an agent's link. That agent receives your name, email address, mobile phone number and the home reports you run. If you also choose to share your savings for the purchase and your debt-to-income with your agent (an optional box when you sign up, or on My homes), your agent sees those too, never your income, credit or debts. It's off unless you turn it on, it's shown only when everyone on your home search has turned it on, and it turns off if you change or remove your agent. If your agent connects their customer management system (CRM, such as Lofty or Follow Up Boss), the same details and your account status, including the date your pre-approval runs through, are also kept there, never your income, credit, debts or savings. You can stop sharing at any time from My homes.

Calls, texts and email

If you check the consent box, your loan officer and we may call or text the mobile number you gave, including with automated technology. Consent is not a condition of any purchase. Reply STOP to any text to stop texts, or email us to stop calls and email. Message and data rates may apply.

Text message alerts for loan officers and realtors

Loan officers and realtors who use YourTruePayment can choose to get text message alerts from Your True Payment about their account, their buyers and their leads. They turn alerts on in Settings by entering their mobile number and checking a consent box, and can turn them off there at any time. Message frequency varies. Message and data rates may apply. Reply STOP to any text to stop texts, or HELP for help. Alerts come from our number, (786) 788-8004.

We do not sell, rent or share your mobile phone number or your text message consent with third parties or affiliates for their marketing or promotional purposes. We share a mobile number only with our text message provider, so it can deliver the texts you asked for.

Your choices

You can ask us to see, correct or delete your account information by emailing info@yourtruepayment.com, by calling or texting (786) 788-8004, or by asking your loan officer. Some records, such as consent records, may be kept as long as the law requires. Information your loan officer's company already holds, such as a loan application, is covered by that company's privacy policy.

Security

Your information is stored with access limited to the site's own servers. No system is perfectly secure, so please don't enter anything you aren't comfortable sharing.

Changes

We'll post any changes here with a new date.