All Realty And Loans Privacy Policy

We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications and other forms;
  • Information about your transactions with us, our affiliates, or others; and
  • Information we receive from a consumer reporting agency.

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

We restrict access to nonpublic personal information about you to those employees who need to know that information 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.

NOTICE TO HOME LOAN APPLICANT

California Credit Score Disclosure

In connection with your application for a home loan, the lender must disclose to you the score that a creditbureau distributed to users and the lender used in connection with your home loan, and the key factors affecting your credit scores.  The credit score is a computer generated summary calculated at the time of the request and based on information a credit bureau or lender has on file.  The scores are based on data about your credit history and payment patterns.  Credit scores are important because they are used to assist the lender in determining whether you will obtain a loan.  They may also be used to determine what interest rate you may be offered on the mortgage.  Credit scores can change over time, depending on your conduct, how your credit history and payment patterns change, and how credit scoring technologies change.

Because the score is based on information in your credit history, it is very important that you review the credit-related information that is being furnished to make sure it is accurate.  Credit records may vary from one company to another.

If you have questions about your credit score or the credit information that is furnished to you, contact the creditbureau at the address and telephone number provided with this notice, or contact the lender, if the lender developed or generated the credit score. The credit bureau plays no part in the decision to take any action on the loan application and is unable to provide you with specific reasons for the decision on a loan application.

If you have questions concerning the terms of the loan, contact the lender.  If you have questions about your credit scores or the information in the credit report from which the scores were computed, you can contact the credit bureaus at the addresses and phone numbers listed below:

Equifax (800) 685-1111       Trans Union (866) 887-2673         Experian (888) 397-3742

P.O. Box 740258                    P.O. Box 4000                                   P.O. Box 2104

Atlanta, GA  30374-0258      Chester, PA  19016-4000                Allen, TX  75013

Acknowledgement of Receipt:

Borrower: ________________________________         Date: __________________

Co-Borrower: _____________________________         Date: __________________