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Política de Privacidad

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WEBSITE SAFEGUARD POLICY

Fifth Financial LLC – Mister Loans believes in protecting the confidentiality and security of the information we collect about you as a customer, potential customer, or former customer. We have adopted the following policies and procedures to safeguard the personal information about you in our possession.

Our Privacy

  • We do not sell or rent your information.
  • We share your information with certain employees and with companies providing services on our behalf in order to service your needs
  • Our policy is to require all employees and companies providing services on our behalf to keep your information confidential.
  • Our privacy policy applies to potential customers as well as current and former customers.

Safeguarding Personally Identifiable Information

  • We have adopted policies and procedures designed to protect your personally identifiable information from unauthorized use or disclosure.
  • We have implemented physical, electronic and procedural safeguards to maintain confidentiality and integrity of the personal information in our possession and to guard against unauthorized access. These include among other things, procedures for controlling access to your files, building security programs and information technology security measures such as the use of passwords, firewalls, virus prevention and use detection software.
  • Our policy is to permit employees to access your personal information only if they have a business purpose for using such information, such as administering, providing or developing our products or services.
  • Our policy, which governs the conduct of all of our employees, requires all employees to safeguard personally identifiable information about the consumers and customers we serve or have served in the past.
  • Fifth Fiancial LLC – Mister Loans, takes steps to safeguard your personal and sensitive information through industry standard physical, electronic and operational policies and practices. All data that is considered highly confidential data can only be read or written through defined service access points, the use of which is password-protected. The physical security of the data is achieved through a combination of network firewalls and servers with tested operating systems, all housed in a secure facility. Access to the system, both physical and electronic, is controlled and sanctioned by a high-ranking manager.

Information We Collect About You

We collect information about you to help us serve your financial needs, to provide you with quality products and services and to fulfill legal and regulatory requirements. We consider non-public information about you in our possession to be personally identifiable information, even if you cease to be a customer. The personally identifiable information we collect about you may include among other things:

  • Identifying information, such as your name, age, address, phone number and social security number and photo
  • Employment information
  • Financial information such as your income, assets and liabilities, as well as information about your savings, investments, insurance and business.
  • Information for fraud detection and prevention

Typically, we collect this information on applications and other forms you complete, through conversations you may have with our loan originators and processors, with our other representatives, and in some cases, through our website. We may also collect information from a wide range of other sources in order to process and/or underwrite your loan. These sources may include among others, employers, attorneys, banks, title insurers, insurance companies and credit reporting agencies.

We will use this information to pull a credit report from a credit bureau to determine your credit worthiness as well as to help our underwriters to assess your loan request in the context of your overall financial situation. We will also use your required and optional information to facilitate activities and transactions that need to occur during the lending process

Links to Third Party Websites

Fifth Financial LLC – Mister Loans, is not responsible for the information practices employed by sites linked to or from our website. In most cases, links to non-mister.loans websites are provided solely as an access point to obtain information on products and topics that may be useful to the users of the mister.loans website. Third party websites may have different privacy policies and/or security standards governing their sites.

Testimonial disclosure — Compensation was not paid in exchange for any testimonial on this site. Individuals pictured may not be that of the endorsers and is for display purposes only.

Refinance disclosure – By refinancing the existing loan, the total finance charges may be higher over the life of the loan.

Web-related Information Collection

loanDepot uses web beacons or pixel tags in conjunction with cookies on our website, including session ID cookies, non-persistent cookies. A cookie is a text file sent by a web server to a web browser and stored by the browser. The text file is then sent back to the server each time the browser requests a page from the server. This enables the web server to identify and track the web browser and load the pages according to a user’s preferences for that particular site, including the personalization of content. Cookies are also used to gather statistical data, such as which pages are visited, what is downloaded, the ISP’s domain name and country of origin, and the addresses of sites visited before and after coming to our site, as well as your “click stream” activity, meaning the paths taken by visitors to our site as they navigate from page to page and transactional attributes in accordance with information you voluntarily submit in the course of using our site. This data is aggregated for analysis to ensure proper functioning of our site in terms of navigation and usability, as well as to evaluate the effectiveness of our marketing activities. At no time do any of our cookies capture any personally identifiable information. However, to the extent that Internet Protocol (IP) addresses or similar identifiers are considered personal information by local law, we also treat these identifiers as personal information. Similarly, to the extent that non-personal information is combined with personal information, we treat the combined information as personal information for the purposes of this Cookie Policy. More importantly, using cookies also helps us protect the security of your account. Encrypted session ID cookies follow your activities on our site so that we can ensure that no one is making changes to your profile, applying for loans, or making loans on your behalf. We may send a cookie that can be stored by your browser on your computer’s hard drive. We may use the information we obtain from the cookie in the administration of our website, to improve its usability and for evaluating our marketing events. We may also use that information to recognize your computer when you visit our website. Most browsers allow you to refuse to accept cookies. Blocking cookies, however, can also have a negative impact on the usability of many websites. We also use third-party tracking services that use cookies or other tracking technology to track non-personal information about visitors to our site in the aggregate such as web page views, other sites visited and referral page information to track the effectiveness of our marketing campaigns to bring visitors to our site. We use respective web beacons to gather information that lets us tune and improve our user’s browsing experience, as well as track user responsiveness to various advertising campaigns and user activities. No personal or sensitive information is transmitted to advertising partners. However, certain partners may collect incoming IP addresses in connection with your visits to our site.

This site uses the Google Maps API, the Google Places API and the Google Maps Geocoding API to collect information about your location. By using this site, you agree to allow us to cache your location for the uses described herein. You may revoke this consent at any time by disabling geolocation sharing in your browser and starting a new browsing session. This information is used to identify nearby branch locations and provide directions to those locations and such information is only retained during your browsing session. Google’s Privacy Policy is incorporated herein and can be found at https://policies.google.com/privacy. By using this site, you agree to be bound by Google’s Terms of Service which may be found at https://policies.google.com/terms.

If you want to disable cookies and you’re using the Safari web browser, go to Safari preferences and then to the privacy pane to manage your preferences. On your Apple mobile device, go to Settings, then Safari, scroll down to the Privacy & Security section, and tap on “Block Cookies” to manage your preferences. If you want to disable cookies and you’re using the Chrome browser, go to Settings > Privacy and Security > Cookies and Other Site Data, make the selection that provides the level of tracking you prefer. If you want to disable cookies and you’re using the Explorer browser, go to Settings > Internet Options > Privacy Tab > Advanced, make the selection that provides the level of tracking you prefer. For other browsers, check with your provider to find out how to disable cookies. Please note that certain features of the loanDepot website will not be available once cookies are disabled.

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Foreign Nationals

Un préstamo nacional extranjero es un tipo especial de préstamo que ayuda a los no ciudadanos a comprar propiedades de inversión en los Estados Unidos. Este préstamo tiene requisitos (y tasas de interés) que difieren ligeramente de los préstamos estándar de Fannie Mae o FHA.

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Reverse Mortgage

Una Hipoteca de Conversión del Valor Equitativo de la Vivienda (HECM, por sus siglas en inglés), el tipo más común de hipoteca inversa, es un tipo especial de préstamo hipotecario solo para propietarios de 62 años o más.

Permite a los propietarios de viviendas pedir dinero prestado utilizando su vivienda como garantía del préstamo. También como una hipoteca tradicional, cuando obtiene un préstamo de hipoteca inversa, el título de su casa permanece a su nombre.

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VA

Un préstamo VA es un préstamo hipotecario disponible a través de un programa establecido por el Departamento de Asuntos de Veteranos (VA) de EE. UU. (anteriormente, la Administración de Veteranos). Con los préstamos VA, los veteranos, los miembros del servicio y sus cónyuges sobrevivientes pueden comprar casas con poco o ningún pago inicial y sin seguro hipotecario privado y, en general, obtener una tasa de interés competitiva.

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Private Lending

Una hipoteca privada es un tipo de préstamo hipotecario en el que los fondos pueden obtenerse de otra persona o empresa en lugar de pedir prestado a un banco u otro proveedor de financiación.

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Asset based

La hipoteca basada en activos es un tipo de préstamo NO QM calificado por el activo líquido dividido por X como la capacidad de pago.

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DSCR

El índice de cobertura del servicio de la deuda se aplica a las finanzas corporativas, gubernamentales y personales. En el contexto de las finanzas corporativas, el índice de cobertura del servicio de la deuda (DSCR) es una medida del flujo de efectivo disponible de una empresa para pagar las obligaciones de deuda actuales. El DSCR muestra a los inversores si una empresa tiene ingresos suficientes para pagar sus deudas.

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1099

La opción de préstamo NON QM de ingresos 1099 es para prestatarios autónomos que son trabajadores 1099. Muchos trabajadores independientes, contratistas, trabajadores de la economía informal u otros prestatarios independientes que presentan formularios W-9s y no puede calificar para una hipoteca según las pautas de la Agencia.

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P&L Only

En lugar de utilizar declaraciones de impuestos, el préstamo hipotecario de pérdidas y ganancias permite que el propietario de la empresa haga que su preparador de impuestos con licencia proporcione una declaración de pérdidas y ganancias (P&L) de 1 a 2 años como ingresos, que a menudo proporciona un perfil más preciso de los ingresos reales del solicitante.

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Bank Statements

Los préstamos con extracto bancario son un tipo de préstamo hipotecario no calificado que le permite calificar en función de los extractos bancarios en lugar de las declaraciones de impuestos. El prestamista requerirá que los posibles prestatarios proporcionen una cierta cantidad de certificados bancarios de meses para demostrar su capacidad para pagar el préstamo. Esto permite a los prestatarios que trabajan por cuenta propia acceder a préstamos hipotecarios, incluso si sus impuestos no reflejan sus ingresos completos.

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FHA

Un préstamo de la Administración Federal de Vivienda (FHA) es una hipoteca de vivienda asegurada por el gobierno y emitida por un banco u otro prestamista aprobado por la agencia.

Los préstamos FHA requieren un pago inicial mínimo más bajo que muchos préstamos convencionales, y los solicitantes pueden tener puntajes de crédito más bajos de lo que generalmente se requiere

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Conventional

Un préstamo convencional es cualquier préstamo hipotecario que no está asegurado ni garantizado por el gobierno (como los programas de préstamo de la Administración Federal de Vivienda, el Departamento de Asuntos de Veteranos o el Departamento de Agricultura).

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Jumbo

El préstamo jumbo, o hipoteca jumbo, es un préstamo hipotecario por un monto que excede el «límite de préstamo conforme» establecido en las hipotecas elegibles para la compra por parte de Fannie Mae y Freddie Mac, las empresas patrocinadas por el gobierno (GSE) que finalmente compran y administran la mayoría de los préstamos individuales o hipotecas de viviendas unifamiliares en EE. UU.

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