Home Loans with Integrity is licensed under the laws of the state of Missouri and by state law is subject to regulatory oversight by the Department of Savings and Mortgage Lending. Any consumer wishing to file a complaint against Home Loans with Integrity of Missouri should complete, sign, and send a complaint form to the Department of Savings and Mortgage Lending.
Protection of the Privacy of Personal Non-Public Information
Loan product availability is subject to loan amount and qualification of borrower. Not every applicant qualifies or is eligible for every loan program. Some products may not be available in all states. Loan approval and rate are dependent on borrower credit, collateral and financial history. All loan programs, terms and rates are subject to change without notice.
As part of providing you with financial products or services, we may obtain information about you from the following sources:
Applications, forms, and other information that you provide to us, whether in writing, in person, by telephone, electronically or by any other means. This information may include your name, address, employment information, income, and credit references; Your transaction with us, our affiliates, or others. This information may include your account balances, payment history, and account usage; Consumer reporting agencies. This information may include account information and information about your creditworthiness;
Public sources. This information may include real estate records, employment records, telephone numbers, etc.
We may disclose information we have about you as permitted by law. We are required to or we may provide information about you to third parties without your consent, as permitted by law, such as:
• To regulatory authorities and law enforcement officials.
• To protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability.
• To report account activity to credit bureaus.
• To consumer reporting agencies.
• To respond to a subpoena or court order, judicial process, or regulatory authorities.
• In connection with a proposed or actual sale, merger, or transfer of all or a portion of a business or an operating unit, etc.
In addition, we may provide information about you to our service providers to help us process your applications or service your accounts. Our service providers may include billing service providers, mail and telephone service companies, lenders, investors, title and escrow companies, appraisal companies, etc.
We may also provide information about you to our service providers to help us perform marketing services. This information provided to these service providers may include the categories of information described under “Information Collected” limited to only that which we deem appropriate for these service providers to carry out their functions.
We do not provide non-public information about you to any company whose products and services are being marketed unless you authorize us to do so. These companies are not allowed to use this information for purposes beyond your specific authorization.
We also may share information about you with our corporate family of affiliates. We may share all of the categories of information we gather about you, including identification information (such as your name and address), credit reports (such as your credit history), application information (such as your income or credit references), your account transactions and experiences with us (such as your payment history), and information from other third parties (such as your employment history).
By sharing this information we can better understand your financial needs. We can then send you notification of new products and special promotional offers that you may not otherwise know about. For example, if you originally obtained a mortgage loan with us, we would know that you are a homeowner and may be interested in hearing how a home equity loan may be a better option than an auto loan to finance the purchase of a new car.
You may prohibit the sharing of application and third-party credit-related information within our company or any third-party company at any time. If you would like to limit disclosures of personal information about you as described in this notice, send Integrity Mortgage a communication (phone, email, or letter) with your privacy choices from the following list.
• Please do not share personal information about me with non-affiliated third-parties.
• Please do not share personal information about me with any of your affiliates except as necessary to effect, administer, process, service or enforce a transaction requested or authorized by myself.
• Please do not contact me with offers of products or services by mail.
• Please do not contact me with offers of products or services by telephone.
Note for Joint Accounts: Your Opt-Out choices will also apply to other individuals who are joint account holders. If these individuals have separate accounts, your Opt Out will not apply to those separate accounts.
The information contained on this Internet web site is provided as a service to the Internet community and does not constitute legal or financial advice. Home Loans with Integrity makes every effort to provide quality information, but we make no claims, promises, or guarantees about the accuracy, completeness, or adequacy of the information, text, or other items contained in or linked to this web site and its associated sites. The information derived from this website must be tailored to the specific circumstances of each case. In general, rules, regulations, loan programs, company policies, and interest rates are constantly changing, and nothing provided herein should be used as a substitute for the advice of competent counsel and/or financial advisor.
Home Loans with Integrity and its associates assume no responsibility for any errors or omissions in the materials contained on this web site. These materials are provided “as is” without warranty of any kind, either express or implied. Home Loans With Integrity and its associates shall not be liable for any special, indirect, incidental, or consequential damages, including without limitation, lost revenues or lost profits, which may result from the use of these materials. The information on this web site is subject to change without notice and does not represent a commitment on the part of Home Loans with Integrity or its associates in the future.
The Department Of Savings and Mortgage Lending maintains the Mortgage Broker Recovery Fund to make payments of certain types of judgments against a mortgage broker or loan officer. Not all claims are compensable and a court must order the payment of a claim from the recovery fund before that department may pay a claim.
FEDERAL EQUAL OPPORTUNITY ACT
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, 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 applicants income derives from any public assistance program; or, because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
HOME MORTGAGE DISCLOSURES ACT
Enacted by Congress in 1975, the Home Mortgage Disclosure Act legislates the reporting of loan data by lending institutions. This includes geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials.
This data is reported by the lending institutions on the first of March for loans and applications of the previous calendar year. If requested, lenders need to have the information available within 30 days of the request but not earlier than March 31st.