At FHA CENTER, maintaining the confidence and trust of those with whom we do business is a high priority. In this notice, you will find the details of our policy, as well as an opportunity to choose how your personal information will be shared.

Security

The security of your personal information is very important to us. We employ extensive security measures to protect your information. Except as indicated in this statement, we restrict access to your non-public information to our employees who require this information in order to provide products and services to you. We maintain, and require third parties with which we share your non-public personal information (as provided herein) to maintain, physical and procedural safeguards to guard your non-public personal information.

Information Sources

In an effort to provide mortgage loans to you, we collect information from a variety of sources, such as:

• Information you provide to us on applications or other forms, such as name, address, Social Security number, income, assets, etc.,
• Information we receive from an outside source, such as a credit bureau or employment verification vendors;
• Information about your transactions or experience with us, such as property value appraisals, your payment history, etc.
• Information We Collect While You Browse Our Web Site

Information about your identity is not accessed while you browse our Web site. You remain anonymous to us. While you visit our site, our system tracks the pages you view, the pages you download, the Site you came from, and notes your IP address (but not your identity). We may also place a “cookie” on your computer that tracks the use of our Web site. A cookie is a piece of data stored on your hard drive. It takes up very little room on your system and helps us to estimate the number of persons using our site. It also helps us to determine the most popular areas of our site. The cookie does not provide specific identifying information about you such as your name, address, tax identification number, social security number, e-mail address or phone number. You remain anonymous while browsing our Web site; however, once you complete a loan application, we will use the information provided therein to determine if you are eligible for the loan you have requested. We may retain all of the information you provide to us in the application, including personal information such as your name, income, assets, liabilities, age, Social Security number and employment.

Who We Disclose the Information To

We may disclose the information we collect, as stated above, to:

• Financial service providers, such as banks and investment companies, third-party loan servicers or consumer credit companies.
• Voluntary organizations and non financial companies, such as appraisers, escrow agents or title companies.

Preferred providers under specific written joint-marketing arrangements (Preferred Providers), which are entered into to provide you with other products or services. In such cases these joint-marketing agreements will require these Preferred Providers to keep your personal information confidential and will prohibit the use of your personal information for any other purpose other than for the purpose disclosed when the product or service is offered. Categories of Preferred Providers with which we ma share your information include: (a) financial service companies such as insurance providers, insurance agents or brokers, registered broker-dealers, mutual fund companies, banks and credit-card companies and (b) non financial companies such as retailers, direct marketers and membership clubs.

Government agencies or consumer reporting agencies for specific and limited purposes as required to:

• Effect a transaction authorized by you;
• Effect, administer or enforce a transaction;
• Protect against fraud;
• Make a report to a consumer reporting agency; or
• Comply with a legal investigation or regulatory requirement.

How We Disclose Your Information

We do not provide personally identifying information about you to third parties, other than our lending partners, without your consent or if the disclosure is permitted or required by law. The situations in which we disclose information include the following:

Service Providers and Joint Marketers

We may disclose all of the information we collect to companies that perform support and other services for us such as data processors, data encrypters, technical systems consultants or programmers, or to marketing companies that provide a service on our behalf, or to other Preferred Provider financial institutions with whom we have or may have joint marketing arrangements unless you have notified us not to share such information by e-mailing or writing to us as indicated below in the “Contact Information” section.

Disclosures to Affiliates

As permitted by law, we may release information we obtain to you from third parties to companies with which we are related by common ownership or affiliated by corporate control (Affiliates), unless you notify us before the information is initially communicated that you do not want us to share such information. You can notify us not to share such information by communicating by e-mailing or writing to us as indicated below in the “Contact Information” section.

You can fill out our Online Application for a free quote and an FHA/VA specialist will contact you within 24 hours. We will give you professional advice and explain the pros and cons of your refinance transaction. We are here to assist you on all your questions about FHA/VA insured Loans and properly educate you, for you to make the best possible financial decision.