Privacy Policy

Information We Collect

We take our clients’ financial privacy very seriously. While processing your application, (that is after the rate request and you decided to start an application with us) we accumulate non-public personal financial information from you and from other sources about your income, your assets, and your credit history to allow a lender to make an informed decision about granting you credit. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

We collect nonpublic information about you from the following sources: (i) information we receive from you on applications or other forms; (ii) information about your transactions with us, our affiliates, or others; (iii) information we receive from a consumer reporting agency, and (iiii) employers and others to verify information you have given to us. Examples of information provided by employers and others include verifications of employment, income, or deposits.

Information We Disclose

Your personal information will only be retained for the purpose of providing you with our response to your query and will not be made available to any third party except as necessary to be disclosed to any related entity for the purpose intended or as required to be disclosed under law. By submitting data on our website, the visitor is providing explicit consent to transmission of data collected on the website. We treat data as confidential within our firm and require a strict adherence of all our employees to data protection and our confidentiality policies. All visitors, however, should be aware that our website may contain links to other sites that are not governed by this or any other privacy statement.

We reserve the right to amend (that is, add to, delete or change) the terms of this Privacy Statement from time to time.

Legal

Consumers wishing to file a complaint against a company, or a residential mortgage loan originator should complete and send a complaint to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar Blvd, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550

The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filled out with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov