Privacy Policy

HomeRate Mortgage strongly believes that the responsible use of personal information collected on its websites is critical to its business objectives and reputation.

Your e-mail address and other details 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 HomeRate Mortgage related entity for the purpose intended or as required to be disclosed under law.

By submitting data on the HomeRate Mortgage 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.

HomeRate Mortgage Privacy Policy and Legal Information

All loans are subject to credit approval.
Rates and fees are subject to change.
Mortgage financing provided by HomeRate Mortgage
NMLS ID # 1132663(www.nmlsconsumeraccess.org)
Equal Housing Lender.
© 2019 HomeRate Mortgage

Privacy Policy for Customers – Website Privacy Policy

Visitors to the HomeRate Mortgage website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:

• IP address
• Date and time our site was accessed
• Web browser used
• City, state and country

We may use this information to create summary statistics and to determine the level of interest in information available on our site. If visitors elect to provide us with personal information via email, online registration forms or our guest book, this information may be used internally to handle the sender’s request. It is not disseminated or sold to other organizations. Some areas of our website may use a “cookie” temporarily stored in the visitor’s computer memory (RAM) to allow the webserver to log the pages the visitor uses within the site and to know if the site has been previously visited.

Sharing with Non-Affiliated Companies

Occasionally we may share customer information with companies who are not affiliated with our corporation in order to provide the products and services that you have requested or already have with us. These companies may include, but are not limited to, retailers, non-profit organizations, and financial service providers such as insurance, payment or data processing or check printing companies,  retailers,  non-profit organizations, etc. These companies assist us in completing and maintaining your service requests,  processing your transactions, or mailing account statements.  We confirm each company is contractually obligated to maintain our customer’s confidentiality, and the use of the information is strictly limited to providing the services we have asked them to perform for you and us.

Affiliate Sharing Opt-Out

The Fair Credit Reporting Act allows you the opportunity to limit the sharing of “non- experience” information within HomeRate Mortgage. This includes information that is used, expected to be used, or collected for the purpose of establishing your eligibility for consumer credit and related products and services and is not related to only your transactions or other communications with us. Examples include data contained in an application such as assets or income or a consumer credit report. If you prefer we not share “non-experience” information within HomeRate Mortgage, you may exercise the opt-out provision below. If you opt-out of our sharing “non- experience” information with the HomeRate Mortgage we may still share information without affiliates that relate solely to your transactions or communications with us disclosed in our Privacy Policy.

Completing Online Forms

HomeRate Mortgage has programs in place to protect completed online forms, such as an online mortgage application. The information you supply is encrypted and then decoded to begin processing when it arrives to HomeRate Mortgage. You can look for features in your web browser that will provide you the assurance that your information is protected if you would like to feel more secure. First, you can look for a lock icon, typically found in a lower corner of your web window or at the end of the window where the web address appears. Also, within the web address, it will read https:// at the beginning of the URL. The addition of the “s” means the site you are visiting is secure, https://.

Emailing

Please keep in mind the security settings from which you are transmitting when emailing HomeRate Mortgage contacts. Messages emailed from outside providers cannot be guaranteed, though the information in emails we share within our organization is guarded and secure. When communicating with HomeRate Mortgage contacts, be sure to send only confidential information from secure email services. This includes account numbers, social security numbers, etc… You may use our secure online document upload feature, visit our office location or send personal documents through the US postal service if you are not sure of the security settings of your email.

Home Mortgage Disclosure Act

The Home Mortgage Disclosure Act, enacted by Congress in 1975, legislates the reporting of loan data by lending institutions. This includes geographic distribution of applications and loans: race, sex, ethnicity, and income of borrowers and applicants, and information about loan denials and approvals. This data is reported by the lending institutions on the first of March for applications and loans of the previous year. Lenders need to have the information available within 30 days of the request but not earlier than March 31st, if requested.

The Federal Equal Credit Opportunity Act

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of color, race, religion, national origin, sex, marital status, age (providing the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Security Policy

HomeRate Mortgage places a high priority on protecting your confidential and personal information. We make every effort to protect the information you provide us, no matter how we receive it.

Linking Outside of the HomeRate Mortgage Website

HomeRate Mortgage is not held responsible for any content or information found on websites linked to or from our company website. Any link that might be provided is for the potential benefit of the visitor to our site; however, the accuracy of the third party’s site’s content is not guaranteed. Third-party sites also operate under different privacy and security 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.