A new law protects your privacy when applying for a mortgage in Tucker, Decatur, Stone Mountain, and beyond.
What Are Trigger Leads?
If you’ve ever applied for a mortgage and then noticed your phone blowing up with calls, texts, or emails from unfamiliar lenders, you’ve run into trigger leads.
Here’s how they worked: when a lender pulled your credit report, the credit bureaus could sell your info to other lenders. Those lenders would then “trigger” outreach, bombarding you with competing offers.
The idea was to give you more options. In practice, it often caused:
- Overwhelming calls and texts
- Confusion about which offers were real
- Distractions from the loan you already started
Myth vs Fact
Myth: When you apply for a mortgage, your information is private.
Fact: Credit bureaus used to sell it as “trigger leads.”
Myth: More offers mean better options.
Fact: For most buyers, it just caused stress and uncertainty.
Myth: Nothing could be done about it.
Fact: Starting March 5, 2026, a new law puts an end to it.
What the New Law Changes
The Homebuyers Privacy Protection Act takes effect March 5, 2026. Once in place, lenders can no longer use trigger leads in ways that expose you to unwanted solicitations.
That means:
- You stay focused on the lender you chose
- Your privacy is protected instead of sold
- You make confident decisions without the noise
Why This Matters for Your Homebuying Journey
Buying a home in the Atlanta metro is already a big decision. You don’t need extra stress from dozens of cold calls. This new law makes the process simpler, safer, and more respectful.
At Art Wood Mortgage, we’ve always believed in a transparent, neighborly approach to lending. These protections line up with the way we already do business—keeping your best interests first.
FAQ: People Also Ask
What are trigger leads?
When a lender pulls your credit, credit bureaus could sell that info to other lenders, who would then contact you.
When do they end?
March 5, 2026.
What does this mean for me?
Fewer distractions, more control, and a smoother mortgage process.
How does Art Wood Mortgage handle this?
We’ve always focused on privacy and guidance, not unwanted solicitations.
Your Next Step
Trigger leads may be ending, but your path to homeownership is just beginning. Whether you’re a first-time buyer, planning your next move, or exploring a refinance or renovation loan, you deserve a mortgage experience that’s clear, stress-free, and centered on you.
