Who this covers
This policy applies to mjlending.co, the website of the Micah Johnson Mortgage Team (MJ Lending). Micah Johnson is a licensed Mortgage Loan Originator and Producing Branch Manager, NMLS #1555495, with Absolute Mortgage & Lending, NMLS #1910591. Our office is at 12600 Deerfield Pkwy, Ste 100, Office 2016, Alpharetta, GA 30004.
Absolute Mortgage & Lending maintains its own privacy statement covering company-wide practices, available at absoluteml.com/privacy-statement. This policy describes what happens with information you give us through this website and in the course of working with our branch.
What we collect
What you tell us. When you use a form on this site, book a call, call, text, or email us, we collect what you choose to provide. That usually means your name, phone number, email address, and details about what you are trying to accomplish — for example your timeline, general credit range, and how you are paid.
Loan application information. If you start an application, that happens on our lender platform rather than on this website. Applying involves the information a mortgage application requires, including Social Security number, income, assets, and a credit report. That process is governed by the platform's own terms in addition to this policy.
Technical information. Our host records standard server data such as IP address, browser type, and pages requested. We do not use it to identify individual visitors. This site does not run advertising trackers.
Why we collect it
We use your information to answer your question, to figure out which loan programs fit your situation, to process a loan if you ask us to, to keep you updated while a file is in progress, and to meet the recordkeeping and disclosure obligations that apply to licensed mortgage originators.
Mobile information and text messages
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Agreeing to receive text messages is optional and is never a condition of applying for or receiving a loan. You can stop messages at any time by replying STOP, or reply HELP for assistance. Message frequency varies. Message and data rates may apply.
Who else sees your information
Closing a mortgage requires other parties. Depending on your loan, we may share information with wholesale lenders and agency channels, credit reporting agencies, title and closing attorneys, appraisers, insurers, and service providers who support our operations. We share what the transaction requires and no more.
We may also disclose information when required by law, regulation, audit, subpoena, or to investigate suspected fraud.
We do not sell your personal information.
How we protect it
We use reasonable administrative and technical safeguards for the information you entrust to us.
One thing worth knowing: ordinary email and text message are not secure channels. Please do not send Social Security numbers, account numbers, or financial documents by email or text. Ask us for a secure upload link instead and we will send one.
Your choices
You can ask us to stop contacting you at any time by phone, email, or by replying STOP to a text message. You can ask what information we hold about you and ask us to correct anything inaccurate.
Mortgage lending regulations require us to retain certain records for a set period even after you ask us to stop contacting you.
Children
This website is intended for adults seeking mortgage financing. We do not knowingly collect information from children under 13.
Changes
We may update this policy as our practices or the applicable rules change. The revision date below reflects the current version.
Questions
Micah Johnson, NMLS #1555495
12600 Deerfield Pkwy, Ste 100, Office 2016, Alpharetta, GA 30004
(404) 919-5885 · micah@absoluteml.com
SMS Terms & Conditions
Product Description
By providing your mobile phone number, you consent to receive SMS messages from the Micah Johnson Mortgage Team (MJ Lending) related to your mortgage inquiry, loan application status, document requests, and appointment scheduling.
Message Frequency
Message frequency may vary.
Message and Data Rates
Standard message and data rates may apply.
Opting Out
You may opt out of receiving SMS messages at any time by replying with “STOP” to any SMS message you receive from us. After opting out, you will receive a confirmation message, and we will cease sending SMS messages to your number.
Help and Support
If you need assistance or have questions about our SMS service, reply with “HELP” to any SMS message you receive, or contact us at (404) 919-5885 or micah@absoluteml.com.
Privacy Policy
Your phone number will be handled in accordance with our Privacy Policy, available at https://www.mjlending.co/privacy-policy. No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Last updated: August 2026