Fair Credit Reporting Act

The Fair Credit Reporting Act (FCRA) is designed to help ensure that CRAs furnish correct and complete information to businesses to use when evaluating your application.

Your rights under the Fair Credit Reporting Act:

• You have the right to receive a copy of your credit report. The copy of your report must contain all of the information in your file at the time of your request.
• You have the right to know the name of anyone who received your credit report in the last year for most purposes or in the last two years for employment purposes.
• Any company that denies your application must supply the name and address of the CRA they contacted, provided the denial was based on information given by the CRA.
• You have the right to a free copy of your credit report when your application is denied because of information supplied by the CRA. Your request must be made within 60 days of receiving your denial notice.
• If you contest the completeness or accuracy of information in your report, you should file a dispute with the CRA and with the company that furnished the information to the CRA. Both the CRA and the furnisher of information are legally obligated to reinvestigate your dispute.
• You have a right to add a summary explanation to your credit report if your dispute is not resolved to your satisfaction.

TCPA CONSENT AGREEMENT

By providing your phone number, you consent and agree to being contacted by us regarding your loan inquiry and mortgage products and services at the telephone number provided. You agree that we, or one of our authorized third parties, may contact you, including through automated means, via telephone or mobile device, even if your telephone number is listed on a Do-Not-Call registry.

This consent is not required to obtain our goods and services. If you prefer to be contacted by other means, please contact our customer support for assistance.

SMS CONSENT AGREEMENT

1.    Opt-In Instructions:  By providing your mobile phone number you are opting into SMS texts and you explicitly consent to receive promotional messages, updates, alerts, and other relevant information from us or one of our authorized third parties. You may also opt in by checking a box during the registration process or by sending a specific keyword to a designated phone number.

2.    Frequency: Our SMS texts may be sent to you on a daily, weekly, monthly, or as-needed basis, depending on the nature of the information or updates we need to convey.

3.    Message Charges: Standard messaging and data rates may apply depending on your mobile service provider. You are responsible for any fees or charges incurred from receiving SMS texts.

4.    Opt-out Instructions: If you wish to stop receiving SMS texts from us, you can unsubscribe or opt-out at any time. To do so, simply send a specific keyword (e.g., "STOP," "OPT-OUT") to the designated phone number provided in our SMS texts. You may also follow the instructions provided in the SMS or contact our customer support for assistance.

This consent is not required to obtain our goods and services. If you prefer to be contacted by other means, please contact our customer support for assistance.