Your conversation stays private

Ask Enrique is a direct question-and-answer service from Enrique Pelayo Jr, NMLS #131435, through Mortgage Lending Group LLC, CL-1157983. It is separate from the mortgage application process.

Messages and recordings

You can type a question or record up to one minute of audio or video. Nothing is recorded until you start recording and grant browser permission. Preview or discard before sending. Messages and recordings are stored with application-level encryption and are available to you and the authorized advisor through this service.

Email-code access

No account is needed to send a first question. Your initial browser session lasts up to eight hours. Verify your email inside the conversation before leaving so you can reopen it later. A new device or an expired or locked session requires a one-time code sent to that verified address. A forwarded return link alone does not open your messages. Use “Lock conversation” when you finish on a shared device.

Email verification proves access to an email address, not legal identity. Borrower identification and permission to discuss an existing loan are handled separately. For an older conversation without a verified email, the original access link can be used to verify an address before reopening. Contact Enrique if you cannot recover access.

Conversation access expires after 90 days. This is not automatic record deletion. No new deletion policy has been applied to existing recordings; contact Enrique about access or retention questions.

Personal replies and clear plans

For live Daily calls, optional transcription requires both participants’ agreement. Daily processes speech for transcription; Automatic AI summaries are currently off. Enrique can copy saved transcripts for manual review. Original transcript segments are saved encrypted and remain separate from any manually prepared summaries. Transcription can contain errors or gaps; the original recording is the reference for exact spoken wording. The advisor must keep the conversation open to capture and save transcription. Nothing from a call is automatically published. Enrique can write a labeled transcript or a short recap when useful. He reviews a plan before sharing it, and you can agree or request changes. Every revised plan requires fresh agreement. A plan does not authorize credit, lock a rate, approve a loan or replace required disclosures and signatures.

Live Connect

When Enrique marks himself available, visitors can verify their email, provide their name and reason for calling, and connect using their own phone service. Each fresh verification permits one call request within ten minutes. The website sends the request details to Enrique before showing the call button. He decides whether to answer. Phone calls are not recorded or transcribed by this website. Ordinary phone-service charges may apply.

When Daily is connected, you can request an audio or video call inside this website without scheduling. Once the Cloudflare Turnstile human check is connected, you can request a live call without verifying email. Cloudflare processes browser and connection signals to help distinguish people from automated requests. This check does not establish legal identity. Until the human check is connected, live requests use the existing email verification. Each live request sends Enrique an email alert with a sign-in link and no question or financial details. When he is away, you can choose to notify him and wait up to five minutes; an immediate response is not guaranteed. Enrique must accept before the server creates a private room for two participants. Each participant receives access limited to that room and its 30-minute lifetime. Daily processes the live media and technical connection information; your submitted email and question are not sent to Daily. Live Daily recording is off unless both participants explicitly agree. With that agreement, Enrique can start and stop cloud recording. Daily stores recorded audio, video and shared screens; a recording indicator shows when capture is active. Optional transcription has separate consent. You may decline either option and still call. Enrique can view recording history and delete recordings from Daily, and separately delete saved transcripts and notes. Consent history remains; previously downloaded copies and provider retention are separate. No automatic deletion period is applied. You can leave the call at any time. An existing video meeting link can also be connected and shown after verification when Enrique is available. The external meeting provider controls admission and privacy; this website does not record those meetings. Custom browser-based live video remains unavailable until a relay service is configured. If enabled, both participants must explicitly consent to the session’s audio recording, and Enrique must accept the request. The legacy custom-call path does not save live video. Otherwise, you can leave a message or schedule a conversation.

Contact reporting

The advisor can view aggregate results for their own conversations: messages saved, calls requested, email verification, replies and agreed plans. Simple campaign labels and referring website hostnames may be stored with the encrypted conversation. These labels can be incomplete. The public Ask Enrique entry page uses Google Analytics to count page visits; only the public path and validated campaign labels are included in explicit visit events. Private conversation pages, this privacy page and advisor inboxes do not load the company Google Analytics tag; names, message content, recordings and calculator summaries are not sent to Google Analytics.

Advisor sign-in

Advisor access requires a one-time code sent to the authorized advisor email. Codes expire after ten minutes, are single use, and allow up to five attempts. Sessions expire after eight hours and can be ended with Sign out. ChatGPT sign-in does not grant advisor access.

Advisor phone notifications

Enrique can enable browser push notifications on his own devices for new messages and live requests. These alerts contain only a generic instruction to check the inbox, with no visitor name, question, financial details or conversation link. The browser’s push provider processes the device subscription and delivery information. Device subscriptions are encrypted in storage, expire after 90 days without reopening the app, and can be disabled from the advisor inbox. Opening an alert does not bypass sign-in. Private conversations and recordings are not cached for offline use.

Email updates

Verification codes and optional reply notifications use Resend, the website’s existing email service. Reply alerts contain a return link, not transcripts or financial details. Turning notifications off does not remove the verified address needed for future access.

What to keep out of messages

Do not include Social Security numbers, account numbers, passwords, credit reports or financial documents. Use the designated secure application process for those materials. The inbox is not continuously monitored and does not promise an immediate response.

Questions? Call (206) 861-5626. See the website privacy policy.