Legal

Privacy Policy

This Privacy Policy describes how Loans By Alfred (Alfred Spencer, operating as a mortgage broker with eMortgage Capital) collects, uses, and protects information you provide through this website.

Information We Collect

We collect information you voluntarily provide through contact forms, qualification requests, and inquiries, including your name, phone number, email address, state, and the nature of your request. We may also collect anonymous analytics data about website usage.

How We Use Your Information

Your information is used to respond to your inquiry, provide mortgage-related services, and communicate with you about financing options. We do not sell your personal information.

Contact Consent (TCPA)

By submitting your contact information, you consent to be contacted by Alfred Spencer / eMortgage Capital regarding your inquiry, including by telephone and text message, using automated or manual means. This consent is not a condition of any purchase.

Data Security

Inquiries are stored securely and access is restricted to authorized personnel.

This content is a placeholder pending compliance review. Do not publish until reviewed and finalized.

LOANS BY ALFRED

Alfred Spencer — Mortgage Broker with E Mortgage Capital, Inc.. Helping borrowers explore financing solutions that fit their goals.

Licensed in: Michigan, Tennessee, Florida, Missouri, New Mexico, Connecticut

Explore

Legal

Alfred Spencer, Mortgage Broker — E Mortgage Capital, Inc.. Individual NMLS #376123. E Mortgage Capital, Inc. NMLS #1416824.

Licensed in Michigan, Tennessee, Florida, Missouri, New Mexico, Connecticut. State licensing disclosures pending compliance review.

Equal Housing Opportunity. This is not a commitment to lend. All loans are subject to credit approval. Programs, rates, terms, and conditions are subject to change without notice.

© 2026 Loans By Alfred. All rights reserved.