Privacy policy.

Vista Lending is a division of Network Funding, LP (NMLS #2297), a licensed mortgage lender. Our office is at 1211 Baylor St., Austin, TX 78703. This policy describes how we collect, use, and protect your information when you visit our website or inquire about a mortgage loan.

When you contact us, request a pre-approval, or submit an application, we collect personal and financial information you provide directly, including name, contact details, Social Security number, income, employment history, assets, and credit information. We also collect information automatically through cookies and analytics, including pages visited, approximate location (from IP), and browser type.

We do not collect sensitive financial data unless you voluntarily submit it as part of a formal application.

• To process mortgage pre-approvals, applications, and loan closings.
• To verify your identity, income, assets, and creditworthiness.
• To communicate with you about your inquiry, application, or loan.
• To comply with federal and state lending regulations (including TILA, RESPA, ECOA, and the Fair Credit Reporting Act).
• To improve our website and services.

We share your information only with parties required to originate, underwrite, fund, and service your loan, including Network Funding, LP (our parent company and lender of record), title companies, appraisers, credit bureaus, investors, and insurers. We do not sell your information. We do not share your information with third-party advertisers.

When you authorize a pre-approval or application, we pull your credit report from one or more of the three major credit bureaus (Equifax, Experian, TransUnion). Under the Fair Credit Reporting Act, you have the right to request a free copy of your credit report and dispute inaccuracies. Credit pulls may affect your credit score.

We use industry-standard administrative, technical, and physical safeguards to protect your information, including encrypted document portals, access controls, and secure file handling. No method of transmission over the internet is 100% secure, but we work to minimize risk.

• Access: Request a copy of the personal information we hold about you.
• Correction: Ask us to correct inaccurate information.
• Deletion: Request deletion where legally permitted (subject to retention obligations for loan records).
• Opt-out: Decline marketing communications at any time.

To exercise these rights, email info@vistaaustin.com.

Our website uses first-party cookies and analytics to understand traffic patterns and improve the experience. You can disable cookies in your browser settings, though some site features may not work properly.

We may update this policy periodically. The "Last updated" date above reflects the most recent change. Material changes will be communicated on this page.

Questions about this policy or our data practices? Call us at (512) 358-6262 or email info@vistaaustin.com.