Privacy Policy

Last updated: September 24, 2026

Home Loans With Ben respects your privacy. This Privacy Policy explains how information may be collected, used, disclosed, retained, and protected when you visit www.HomeLoansWithBen.com.co or contact Ben Sobraske through the website.

Home Loans With Ben is an educational marketing website operated by Ben Sobraske, Mortgage Loan Originator, NMLS #2242762, with Edge Home Finance, LLC, NMLS #891464.

Information We Collect

Information You Provide

We may collect information you voluntarily provide through the website, including:

• Your name

• Email address

• Phone number

• Information included in a Contact-form message

• Communications you send by email or phone

• Information you provide when requesting mortgage-related information

Please do not submit Social Security numbers, bank-account information, account passwords, tax returns, financial statements, government identification numbers, or other sensitive financial documents through the website Contact form or regular email.

Mortgage Application Information

The “Start My Home Loan” buttons direct visitors to a separate online mortgage-application system used by Edge Home Finance, LLC.

Information entered into that application system is not collected through the Home Loans With Ben Contact form. Information submitted through the application system may be governed by additional privacy notices, disclosures, terms, and security practices provided by Edge Home Finance, LLC and its technology providers.

Information Collected Automatically

When you visit the website, the website platform and service providers may automatically collect limited technical information, including:

• Internet Protocol address

• Browser and device type

• Operating system

• Pages viewed

• Date and time of access

• Referring website or source

• General website-interaction information

• Cookie and similar technology information

This information may be used to operate, secure, maintain, and improve the website.

How We Use Information

Information may be used to:

• Respond to questions and Contact-form submissions

• Contact you about the mortgage information or assistance you requested

• Provide educational information about home financing

• Connect you with Edge Home Finance, LLC when appropriate

• Operate, maintain, secure, and improve the website

• Detect or prevent fraudulent, unauthorized, or harmful activity

• Maintain business and compliance records

• Comply with applicable legal, regulatory, licensing, or reporting obligations

• Protect the rights, safety, and property of website visitors, Ben Sobraske, Edge Home Finance, LLC, and service providers

Submitting a question through this website does not constitute a mortgage application, approval, loan commitment, or agreement to lend.

Cookies and Website Technology

The website platform may use cookies and similar technologies that help the website function, remember settings, maintain security, and understand general website usage.

You can adjust your browser settings to block or delete cookies. Blocking certain cookies may affect how some website features function.

If additional analytics, advertising, or tracking services are added to the website, this Privacy Policy and any required cookie or consent controls should be updated accordingly.

How Information May Be Shared

Personal information may be shared only when reasonably necessary with:

• Edge Home Finance, LLC and its authorized personnel

• Website-hosting, form-processing, email, security, and technology providers

• Mortgage-related service providers when needed to respond to your request

• Government agencies, regulators, law enforcement, courts, or other parties when disclosure is required or permitted by law

• Professional advisers, including legal, compliance, accounting, or technology advisers

• A successor organization in connection with a merger, acquisition, restructuring, or transfer of business operations

Home Loans With Ben does not sell information submitted through the Contact form for monetary consideration.

Service providers are expected to use personal information only for the services they provide and subject to applicable contractual, legal, and regulatory requirements.

Data Retention

Personal information is retained only for as long as reasonably necessary to:

• Respond to your request

• Provide the requested information or assistance

• Maintain required business and compliance records

• Meet legal, regulatory, licensing, accounting, or reporting obligations

• Resolve disputes

• Protect against fraud or misuse

• Enforce applicable agreements

Retention periods may vary depending on the information involved, why it was collected, and applicable legal or regulatory requirements. Information that is no longer relevant and reasonably necessary will be deleted or securely disposed of when appropriate, unless continued retention is required or permitted by law.

Data Security

Reasonable administrative, technical, and physical safeguards are used to protect personal information.

However, no website, email system, internet transmission, or electronic-storage system can be guaranteed to be completely secure. Do not send sensitive financial information through the website Contact form or regular email.

Use the secure mortgage-application system when Ben or Edge Home Finance, LLC instructs you to provide confidential mortgage or financial documentation.

Your Privacy Choices and Rights

Depending on your state of residence and applicable law, you may have the right to:

• Confirm whether personal information about you is being processed

• Request access to certain personal information

• Correct inaccurate personal information

• Request deletion of certain personal information

• Request a portable copy of information you provided

• Request information about certain third parties to which personal information was disclosed

• Opt out of certain targeted advertising, sale of personal information, or qualifying automated profiling

• Appeal a decision concerning a privacy request

• Exercise applicable privacy rights without unlawful discrimination

To submit a privacy request, email:

Ben.Sobraske@edgehomefinance.com

Use the subject line:

Privacy Request

Include your name, contact information, the nature of your request, and enough information to help identify the applicable records. Additional information may be requested when reasonably necessary to verify your identity and protect personal information from unauthorized access or deletion.

If a privacy request is denied, you may submit an appeal using the same email address with the subject line:

Privacy Request Appeal

Privacy requests and appeals will be reviewed and answered as required by applicable law.

Children’s Privacy

This website is intended for adults interested in homeownership and mortgage information. It is not directed toward children under 13, and Home Loans With Ben does not knowingly collect personal information from children under 13 through this website.

If you believe a child has submitted personal information through the website, contact Ben.Sobraske@edgehomefinance.com.

External Websites and Services

The website may contain links to external websites or services, including:

• The Edge Home Finance mortgage-application system

• NMLS Consumer Access

• Social-media platforms

• Scheduling or communication services

• Other educational or mortgage-related resources

Home Loans With Ben does not control the privacy, security, content, or availability of external websites. Review the privacy policies and terms of those services before providing personal information.

Mortgage and Financial Privacy Notices

This website Privacy Policy applies to information collected through www.HomeLoansWithBen.com.co.

It does not replace any financial privacy notices, mortgage disclosures, authorizations, consent forms, or other notices provided by Edge Home Finance, LLC during an inquiry, application, or loan transaction.

Changes to This Privacy Policy

This Privacy Policy may be updated to reflect changes in website practices, technology, service providers, legal requirements, or business operations.

The “Last updated” date will be revised when changes are made. When required by applicable law, additional notice of material changes will be provided.

Contact Information

Questions about this Privacy Policy or the website’s privacy practices may be directed to:

Ben Sobraske
Mortgage Loan Originator
NMLS #2242762
Edge Home Finance, LLC
NMLS #891464
5860 Baker Road
Minnetonka, MN 55345

Email: Ben.Sobraske@edgehomefinance.com
Phone: 763-670-1194
Website: www.HomeLoansWithBen.com.co