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Privacy Policy

We take our clients' financial privacy very seriously. During the course of processing your application, we accumulate non-public personal financial information from you and from other sources about your income, your assets, and your credit history in order to allow a lender to make an informed decision about granting you credit.

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.

We collect nonpublic information about you from the following sources: (i) information we receive from you on applications or other forms; (ii) information about your transactions with us, our affiliates, or others; and (iii) information we receive from a consumer reporting agency.

All financial companies need to share their customer's personal information in order to process and close your mortgage loan. Therefore, we do disclose your personal information to pre-vetted vendors to perform certain required functions and who have high safe guards that prevent further release of your personal information. Universal Mortgage and Finance, Inc. may use your information to offer you products and services in the future, but does not share your personal information with any other companies or affiliates except for the purpose of processing and closing your mortgage loan.

DISCLAIMER:
© Universal Mortgage & Finance, Inc. Corporate Office: 3158 Braverton Street, Suite #204, Edgewater, Maryland 21037 | NMLS #118030 | www.nmlsconsumeraccess.org This communication is sent only by Universal Mortgage & Finance, Inc and is not intended to imply that any of our loan products will be offered by or in conjunction with HUD, FHA, VA, the U.S. government or any federal, state or local governmental body. Information in these guidelines is for credit policy guidance only and is not a complete representation of Universal Mortgage & Finance, Inc. Lending Policies. This is not a commitment to lend or extend credit. Information and/or date is subject to change without notice. Not all loans or products are available in all states. This is not a complete program guideline. *Subject to qualified borrowers. *Restrictions apply

New Jersey Required Statement: Licensed by the N.J. Department of Banking & Insurance
Texas Required Statement: http://www.sml.texas.gov/ResidentialMortgageLoanOriginator/documents/rmlo_compliance_reporting/rmlo_80_200_b_recovery_fund_notice.pdf