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Privacy Policy
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Mortgage Grader was invented (patent-pending) to protect your name and all of your private and confidential information. We collect nonpublic personal information about you from the following sources: (a) information we receive from you on applications or other forms; (b) information about your transactions with us; and (c) information we receive from consumer reporting agencies. We may disclose all the information we collect to companies that perform marketing services on our behalf or to our affiliates.
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The only way we will ever release your name or other nonpublic personal information to an unaffiliated third party (typically a lender) is if 1) You know exactly who the lender is. 2) You know exactly what the lender is proposing in terms of rate, fees and loan programs. 3) You give us express permission, either verbally or in writing, to raise the curtain and deliver your name and information (your application information) to that lender for the purpose of underwriting your loan (either through automated underwriting or manual underwriting). With Mortgage Grader, mortgage counseling and arranging loans is all we do. Your name and information will never be sold by Mortgage Grader for any purpose.
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Applicable state and federal laws require Mortgage Grader to keep a copy of your private and confidential loan application information for specific time periods.
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Any lender(s) that you direct us to submit your loan to must also keep copies of your confidential loan application information for specific time periods per applicable state and federal laws.
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Every lender in the Mortgage Grader network has its own privacy policy. At your request, we can make that available to you prior to loan submission.
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The Patriot Act, other applicable laws, state or federal regulators or a court of competent jurisdiction could also compel Mortgage Grader to release confidential loan application information that we possess.
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Except as described in this privacy policy, we do not disclose any nonpublic personal information about you (or about any current or former customer) to anyone, except as permitted by law.
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Finally, you should know that we restrict access to nonpublic personal information about you to those employees who need to know that information in order for us 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.
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| Patent Number 7,366,694 © 2007 Mortgage Grader. All Rights Reserved |
Real Estate Broker, California Department of Real Estate License #01517123
Florida Correspondent Lender License CL 0703795
Idaho Mortgage Broker/Lender License No. MBL-5977
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