New City Financial (“New City Financial,” “we,” “us,” or “our”) is a commercial mortgage broker and direct DSCR lender based in Wilmington, Delaware. This Privacy Policy explains what information we collect from visitors and applicants on newcityfinancial.com (the “Site”), how we use it, and the choices you have. By using the Site or submitting information through our forms, you agree to the practices described here.
1 Who this applies to
New City Financial serves real estate investors, business entities, and LLC borrowers seeking financing for investment and commercial properties. Our services are directed to business and investment borrowers, not consumer homeowners seeking financing for an owner-occupied primary residence. This policy covers information collected through the Site and our lead and application forms.
2 Information we collect
We collect information necessary to evaluate financing requests and to contact you about them. This may include:
- Information you provide directly — such as your name, email address, phone number, the property’s state and type, loan purpose, estimated loan amount, estimated credit range, and timeline, submitted through our forms, by phone, or by email.
- Application and financial information — if you proceed toward a loan, information relating to the property, the transaction, and your financial profile that is necessary to underwrite or place the financing.
- Information from third parties — such as information from consumer reporting agencies, property records, or others used to verify the details you provide.
- Technical and source information — such as IP address, browser type, the pages you view, and the referral or campaign data (including UTM parameters and Google Click Identifier, “gclid”) that tells us which marketing source brought you to the Site.
3 How we use information
We use the information we collect to:
- Respond to your inquiry and prepare a rate quote or financing proposal;
- Evaluate, underwrite, place, or service a loan request;
- Contact you by phone, email, or text about your request and our services;
- Verify the accuracy of information you provide;
- Measure and improve our marketing, and understand which sources produce inquiries;
- Operate, secure, and improve the Site; and
- Comply with applicable law and protect our rights.
4 SMS / text messaging
Mobile opt-in is never shared. We do not sell, rent, or share your mobile phone number or SMS opt-in consent with third parties or affiliates for their own marketing purposes. Mobile information collected for text messaging stays with New City Financial and the service providers that help us deliver those messages.
If you provide your phone number and check the consent box on our forms, you agree to receive text messages from New City Financial related to your inquiry and account servicing — for example, confirmations, follow-ups, and information about your financing request. Message frequency varies based on your interaction with us.
Message and data rates may apply. You can opt out at any time by replying STOP to any message; you may reply HELP for help. Opting out of text messages will not remove you from phone or email contact unless you tell us separately. Carriers are not liable for delayed or undelivered messages.
5 How we share information
We share information only as needed to provide our services and as permitted by law. This may include sharing with:
- Lenders, capital providers, and underwriting partners involved in evaluating or funding your specific financing request;
- Service providers that operate on our behalf — such as hosting, messaging, email delivery, and analytics providers — who are permitted to use the information only to perform services for us;
- Legal and regulatory recipients when required by law, subpoena, or to protect our rights.
We do not sell your personal information. As stated above, we do not share mobile opt-in data for third-party marketing.
6 Cookies & tracking
The Site uses cookies and similar technologies, including analytics and advertising tools such as Google Analytics and Google Ads, to understand how visitors use the Site and to measure marketing performance. These tools may set cookies and capture identifiers like gclid. You can control cookies through your browser settings; disabling them may affect how the Site functions.
7 Data retention
We retain personal information for as long as needed to respond to your inquiry, provide and service financing, and meet our legal, tax, and recordkeeping obligations. When information is no longer needed, we take reasonable steps to delete or de-identify it.
8 Security
We maintain reasonable administrative, technical, and physical safeguards designed to protect the information we hold, and we require our employees and service providers to adhere to our confidentiality and data-protection practices. No method of transmission or storage is completely secure, however, and we cannot guarantee absolute security.
9 Your choices
You may request access to, correction of, or deletion of the personal information we hold about you, subject to legal and contractual limits, by contacting us using the details below. You can opt out of text messages by replying STOP, and you can ask to be removed from marketing email by using the unsubscribe link or contacting us. Depending on where you live, you may have additional rights under applicable state privacy laws; contact us to exercise them.
10 Third-party links
The Site may contain links to websites we do not operate. We are not responsible for the privacy practices of those sites, and we encourage you to review their policies before providing information.
11 Changes to this policy
We may update this Privacy Policy from time to time. When we do, we will revise the “Last updated” date above. Your continued use of the Site after a change takes effect means you accept the updated policy.
12 Contact us
Questions about this Privacy Policy or your information can be directed to:
New City Financial
1000 N West Street, Suite 1200-1812
Wilmington, DE 19801
Phone: (855) 848-2862
Email: info@newcityfinancial.com