We are committed to your right to privacy. We have very strong privacy policies than most other Internet companies to keep your information secure and private. Additionally please view or Fair Lending practices, Equal Opportunity Lender statement, as well as our FHA Disclosures.

Q. If I use this web site, is any personal identifiable information collected about me or my computer?
A. When you visit our site, our systems log some basic and anonymous information about your computer, including its:

• IP address (your computer's unique signature)
• Browser software (i.e., Netscape, Explorer)
• Operating system (i.e. Windows 98)

We use this data to perform routine website maintenance and design to make sure the site's features works effectively with most people's browsers and systems. By using our site, you consent to our collection and use of this information.

Q. What personally identifiable information do you collect?
A. We only collects the information necessary to respond to your requests for our customized products and services. Personally identifiable information includes, but is not limited to, first and last name, physical address, zip code, email address, phone number, social security number, birth date, and any other information that itself identifies or when tied to the above information, may identify you as a specific individual. By supplying us with this information, we reserve the right to share this information with trusted third-party vendors; affiliates, and / or service companies that provide contracted services for FHA-Home-Loans.com and our web site visitors. By utilizing any promotions or services offered by FHA-Home-Loans.com, you consent to the collection of any data and use of this information by FHA-Home-Loans.com and agree to use site at your own risk. We are the sole owner of the information collected on this web site.

Q. Do I need to provide all my personally identifiable information in order to apply for a loan?
A. You do not have to fill out every single section of our online loan applications in order to submit your loan application to us. However, we are required by lenders and government guarantors to collect all of the information requested on the loan application, so you'll need to give this information to your Loan Consultant when it is requested in order for us to process your loan.

Q. Does you share my personally identifiable information?
A. We do need to share some of your data with agents and third parties authorized to process your home or auto loan. In general, we work with the following authorized agents or third parties to perform services related to your loan:

• Credit agencies
• Underwriting services
• Title and settlement companies
• Appraisal companies
• Mortgage insurance companies
• Trusted third-party vendors, Affiliates, and Service companies contracted with FHA-Home-Loans.com.

In addition, we need to contact your employer, to verify your income, and your bank, to verify your assets. We do not share information about your specific loan application with these institutions.

State and federal agencies require that we provide certain information regarding the number of loan applications received in particular states, loan amounts, and race and gender make-up of our customer base. All of this information is disclosed in an aggregated report without the use of any personally identifiable information.

Like all other licensed mortgage brokers, we are required by all of the states where we are  is licensed to submit to periodic audits of actual customer loan files. This is to ensure that we are complying with all the regulations in place to protect consumers. When you complete the Universal Residential Loan Application, you grant us permission to include your loan file in these compliance reviews.

Like other licensed mortgage lenders, we are required to perform quality control reviews monthly on a small percentage of customer loan files to re-verify all of our calculations and procedures. On occasion in the past we have contracted with outside companies to perform these quality control reviews. Currently, our staff is performing the reviews and we expect to keep this function in-house.

Q. Can I ask you to delete my personal information from its systems?
A. Because federal and state regulations require us to provide aggregate data about our customer base, including race and geographic data about our borrowers, we are prohibited from deleting loan application data from our databases, even for loan applications that are withdrawn. This information is stored securely and is accessible only to selected    employees. Aside from state and Federal regulatory authorities that perform periodic compliance reviews for the protection of consumers, and, in rare cases, contractors hired to perform quality control reviews (see above), third parties do not have access to this application data.

Q. Will you send me information not directly related to my loan application? Can I choose not to receive it?
A. We routinely email a short customer satisfaction survey to every customer. After your loan is funded, you may choose to ask us not to send the survey. Please note that even if we do send it, you can still choose not to complete it. Generally, we offer incentives, like gift certificates, to people who complete the surveys to thank them for helping us better understand their needs. If you earn a gift certificate, we may need to send your name, address, email address and phone number to the company sending out the gift certificates.

After your loan is closed, we will periodically send your emails about new products we offer that can help you save money by reducing your cost of borrowing. Our customers generally find this information very helpful, but you can choose not to receive it by responding to the opt-out question we ask you after your loan is funded.

If you have signed up to receive automatic emails about new loan products through our free service features on our website, you can cancel at anytime by simply sending an email. You can also respond to our  email with "unsubscribe" in the subject line, and we'll delete your name.

Q. How long will you keep my personal information on file?
A. In keeping with Federal and state banking regulations, we may not delete customer information even for loans that are withdrawn for a period of seven years.

Q. How secure are your systems and procedures?
A. Every staff member is trained on our privacy and security procedures on their first day of employment. In order to be employed, each person must sign a pledge up to uphold our privacy and security standards, and commit not to share your information with any third parties other than authorized agents.

Q. Who can I contact to find out more about your privacy practices?
A. Please contact our Privacy and Compliance department by email. We welcome your comments and suggestions about how we can improve our privacy procedures.

help @ fha-home-loans.com
 

Legal Statement

Please completely read and print this contract. It stands as the restrictions and agreement between the owners of this site and all visitors.

FHA-Home-Loans.com is not affiliate, endorsed, owned or operated by FHA, HUD or the department of housing and development. We are not a mortgage lender and we do not offer or make mortgage loans.

FHA-Home-Loans.com is dynamic Web site, including information and inputs from colleagues as well as the site authors. In preparing this site effort has been made to offer the most current and clearly expressed information possible. However, inadvertent errors can occur, and applicable laws, rules and regulations often change. Please do not consider this information as more than food for thought at any time. The information, links, recommendations, and implications contained in this site are comments and opinions at best and should not be taken, used, or followed without personal consultation with the site owner.

This information is not intended for use without professional advice

Further, the information contained herein is intended to afford general guidelines on matters of common interest. Visitors are encouraged to consult with mortgage professionals for advice concerning specific matters before making any decision, and FHA-Home-Loans.com disclaims any responsibility for positions taken by Visitors or for any misunderstanding on the part of Visitors.

Certain links on this site lead to resources located on servers maintained by third parties over whom FHA-Home-Loans.com has no control. As such, FHA-Home-Loans.com makes no representation as to the accuracy, content, or any other aspect of the information contained on such servers. Let the Visitor beware!

To the Visitor: FHA-Home-Loans.com and site owner does not and cannot warrant the information, documentation, or software (including any fixes and updates) available from this site or the performance or results obtained by using this information, documentation, or software. This information, documentation, and software is provided "as is". FHA-Home-Loans.com makes no warranties of any kind, either express or implied, including but not limited to, noninfringement of third party rights, merchantability, or fitness for a particular purpose with respect to the product and the accompanying written materials. To the extent you use or implement this information, documentation, or software in your own setting, you do so at your own risk. In no event will FHA-Home-Loans.com or site owner be liable to you or others for any damages arising from your use or your inability to use this information, documentation, or software, including any lost profits, lost savings, or other incidental or consequential damages, even if FHA-Home-Loans.com,  has been advised of the possibility of such damages, or for any claim by another party.

Likewise, for services provided, they are all provided on a best-efforts basis and no guarantees of performance are stated or implied for provided services. It is the nature of the web to be dynamic, and services are based upon earnest attempts to deliver services in this uncertain and constantly changing environment. In no event will FHA-Home-Loans.com be liable to you or others for any damages for any cause arising from provided services, documentation, or software, including any lost profits, lost savings, or other incidental or consequential damages, even if FHA-Home-Loans.com has been advised of the possibility of such damages, or for any claim by another party.

All copyrights, trademarks, service marks, and logo's are the respective property of their holders. Some information contained in this site refers to other sites or authors, but most is original intellectual work produced by FHA-Home-Loans.com resulting from experience and supported by the research of various confirming sites already existing on the Web. If you detect any issues with the legality of this site in any way, shape, or form, problems are always unintentional and will be corrected with notification.

Copyright © 1999 to 2011 FHA-Home-Loans.com. All rights reserved.
 

Unless otherwise allowed by law or stated elsewhere, NO part of the normally displayed text or graphics, including keywords and HTML commands not normally displayed, on this site may be reproduced or transmitted in any form or by any means, electronic or mechanical, including by photocopying, facsimile transmission, recording, rekeying, scanning, or yet uninvented means, or by using any information storage and retrieval system, EXCEPT WITH THE PRIOR WRITTEN PERMISSION OF THE AUTHOR AND APPROPRIATE REFERENCES TO THIS SITE AS DEFINED BY THE AUTHOR. All text is intellectual property and is copyrighted. Each web page of portion thereof contained in this site has a retail value of $6,000.00 US and is only available when ordered from the author. No portion of this site may be used or redistributed for commercial purposes. Utilization of resources from this site and associated server (such as "cgi" programs, SMTP resources (eMail), and others) shall carry a fee of $3,000.00 per use and all such uses require the prior written permission of the author. Theft will result in consequences.

Where repeated traffic to the site is intended to disrupt performance or to consume resources (thus increasing our server fees), or where such traffic is intended to increase advertising fees associated with an outside service (such as a pay-per-click or impression-based billing service), each visitation will be billed at $2,500.00 per incident.

Additional Notices:

For each visitor to our Web page, our Web server automatically collects visitor information to include their domain name, but not the e-mail address, of visitors to our web page, aggregate information on what pages consumers access or visit, user-specific information on what pages consumers access or visit and information volunteered by the consumer, such as survey information and/or site registrations. The information we collect is used for internal review and is then discarded, used to improve the content of our Web site, used to notify consumers about updates to our Web site and not shared with other organizations for commercial purposes.

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