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Effective Date: September 25, 2026
Mercantini Lending Team, powered by Envoy Mortgage, respects your privacy. This Privacy Policy explains how information may be collected, used, and shared when you visit or interact with merchomeloans.com.
This website is operated by Mercantini Lending Team and is intended to provide mortgage information, educational resources, and a way for consumers to contact Jim Mercantini, Mortgage Loan Originator.
Mortgage lending services are provided through Envoy Mortgage, Ltd. and are subject to Envoy Mortgage's applicable policies, disclosures, licensing requirements, and applicable federal and state laws.
Depending on how you interact with this website, we may collect information that you voluntarily provide, including:
We may also automatically collect certain technical information when you visit the website, such as your IP address, browser type, device information, pages viewed, referring website, approximate location information, and information about how you interact with the website.
The information collected may vary depending on the features, forms, analytics services, and other technologies operating on the website.
This website is not intended to collect sensitive mortgage application information through ordinary website forms, email, or other unsecured communication methods.
Please do not submit your Social Security number, bank account information, passwords, tax documents, complete credit information, or other sensitive financial information through a general website contact form or ordinary email unless specifically instructed to do so through an appropriate secure process.
When you apply for a mortgage or provide information necessary to process a mortgage transaction, that information may be collected and processed through Envoy Mortgage systems and other authorized service providers involved in the mortgage transaction.
Envoy Mortgage maintains separate privacy disclosures addressing the collection, use, sharing, and protection of personal financial information in connection with its mortgage business.
Information collected through this website may be used to:
We may also use information as otherwise permitted or required by applicable law.
This website uses Google technologies, including Google Analytics and Google advertising technologies, to help measure website traffic, understand how visitors interact with the website, and evaluate advertising or marketing performance.
These technologies may use cookies, identifiers, or similar technologies to collect information about website interactions and devices.
Google's collection and use of information is governed by Google's applicable privacy policies and terms.
You can manage certain browser, cookie, and advertising preferences through your browser and Google's available privacy and advertising controls.
This website may use cookies and similar technologies for purposes such as:
You may be able to control or disable certain cookies through your browser settings or available cookie-consent tools.
Disabling certain cookies may affect some website functionality.
If you provide your telephone number, email address, or other contact information, we may use that information to respond to your inquiry, provide requested information, schedule communications, or discuss mortgage-related services.
If you separately consent to receive marketing communications, those communications may be sent according to the terms of that consent and applicable law.
You may request that we stop certain communications by contacting us using the information provided below. For text messages, standard message and data rates may apply where applicable, and you may opt out using the instructions provided in the applicable message.
Information submitted through this website may be shared when reasonably necessary to provide requested services, operate the website, comply with legal requirements, or support mortgage-related activities.
Depending on the circumstances, information may be shared with:
Information collected in connection with an actual mortgage application or transaction may be subject to Envoy Mortgage's separate privacy disclosures and applicable federal and state requirements.
Mercantini Lending Team operates in affiliation with Envoy Mortgage, Ltd.
Envoy Mortgage, Ltd. is identified as NMLS #6666. That is Envoy Mortgage's corporate NMLS identifier and is not Jim Mercantini's individual NMLS identifier.
Jim Mercantini's individual NMLS identifier is #2598961.
Envoy Mortgage provides additional privacy disclosures concerning the collection, use, sharing, and protection of consumer financial information.
For Envoy Mortgage's current privacy information and privacy choices, please refer to Envoy Mortgage's official privacy disclosures.
We take reasonable measures to protect information submitted through this website against unauthorized access, use, or disclosure.
However, no website, electronic transmission, storage system, or method of communication can be guaranteed to be completely secure.
For mortgage applications and sensitive financial information, consumers should use the secure systems and processes provided or authorized by Envoy Mortgage rather than submitting sensitive information through a general website form or ordinary email.
Envoy Mortgage separately describes security measures applicable to personal financial information collected through its mortgage operations.
This website may contain links to third-party websites, including Envoy Mortgage, social media platforms, government websites, licensing resources, analytics services, or other websites.
Those websites operate under their own privacy policies and terms.
We are not responsible for the privacy practices, security, or content of third-party websites.
You should review the privacy policy of any third-party website before submitting personal information.
Depending on the information collected and the applicable law, you may have choices regarding:
Because mortgage-related financial information may be subject to federal financial privacy requirements and additional state laws, certain privacy rights and limitations may be administered by Envoy Mortgage.
Envoy Mortgage provides privacy choices and contact information through its official privacy disclosures, including options for certain information-sharing preferences.
Residents of certain states may have additional privacy rights under applicable state law.
For example, Envoy Mortgage maintains a separate California privacy notice addressing rights available under the California Consumer Privacy Act and California Privacy Rights Act.
If you are a resident of a state with specific privacy requirements, your rights may depend on the nature of the information collected and whether the information is collected in connection with a mortgage transaction.
This website is intended for a general audience and is not directed toward children under the age of 13.
We do not knowingly collect personal information from children under 13 through this website.
We may update this Privacy Policy from time to time to reflect changes to the website, technology, business practices, legal requirements, or applicable privacy practices.
When changes are made, the Effective Date at the beginning of this policy will be updated.
You should periodically review this page for the most current version.
If you have questions about this website's privacy practices or how information submitted through the website is handled, you may contact:
Jim Mercantini
Mortgage Loan Originator
Mercantini Lending Team
Powered by Envoy Mortgage
NMLS #2598961
Phone: 757-553-6972
Email: jim.mercantini@envoymortgage.com
Mercantini Lending Team serves homebuyers and homeowners in Chesapeake, Hampton Roads, and across Virginia.
For questions concerning Envoy Mortgage's corporate privacy practices or consumer financial privacy disclosures, please refer to Envoy Mortgage's official privacy resources. Envoy's current consumer privacy disclosure provides its privacy contact and opt-out information.