Terms of Use

 

The web site "NorthDallasMortgage.com" is available for personal, non-commercial use only. All of the contents of this Web site are copyrighted and owned by North Dallas Mortgage, LLC.  None of the information contained in this site may be copied, distributed, reproduced, published, or sold in any form. Use of this Web site constitutes agreement with all of the terms and policies of the site.

Liability Disclaimer

Information on this Web site is intended solely as general guidance as, for example, guidance for financing and refinancing a home loan and/or home improvements. None of the information provided on this Web site constitutes legal, tax, accounting, or other professional advice. All information included on this Web site is believed to be accurate, although inaccuracies or typographical errors may exist. Mortgage interest rates, loan terms, and other information on this Web site are subject to change without notice. This Web site may provide links to Web sites operated by parties other than northdallasmortgage.com, including Web sites of affiliated partners. (Affiliated partners are independent companies.) northdallasmortgage.com does not control these Web sites and is not responsible for their contents. These links are provided for reference only. Inclusion of these links does not imply endorsement of materials, products, or services provided on other Web sites.  All copyrights, trademarks, and service marks are the property of North Dallas Mortgage, LLC.

Equal Credit Opportunity Act (ECOA)

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capability to enter into a binding contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the consumer credit protection act.

If you have any questions regarding your rights, or if you wish to file a complaint, please contact the management of this financial institution or:

The Federal Trade Commission
Equal Credit Opportunity
Washington, DC 20580

The Fair Housing Act

The Civil Rights Act of 1968, as amended by the Fair Housing Amendments Act of 1988.

It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status (having one or more children), or national origin:

In the sale or rental of housing residential lots.In advertising the sale or rental of housing.In the financing of housing.In the appraisal of housing.In the provision of real estate brokerage services.

 

Blockbusting is also illegal.

Anyone who feels he or she has been discriminated against should send a complaint to:

U.S. Department of Housing and Urban Development
Assistant Secretary for Fair Housing and Equal Opportunity
Washington, DC 20410

License

North Dallas Mortgage LLC dba Texas Union Mortgage - NMLS #392718

Jenny Phung, Mortgage Broker - NMLS #338197

Privacy

Keeping your financial information secure is important to us. That is why we've designed this Web site with your privacy in mind. Please feel free to print a copy of this Privacy Policy and save it with your records.

Security

Security is one of the most important features of our Web site. We restrict access to your non-public personal information to our employees who have a need to know that information in order to provide products and services to you. We also maintain physical and procedural safeguards to guard your non-public personal information.

How We Protect Your Information

Your privacy is important to us. We do not provide personally-identifying information about you to third parties other than our lending partners unless we have your consent or the disclosure is otherwise permitted or required by law. The circumstances under which we disclose information about you are described below.

 

• Service Providers and Joint Marketers. We may disclose all of the information we collect, as described herein, to companies that perform marketing services on our behalf or to other financial institutions with whom we have or may have joint marketing agreements.

• Disclosures to Affiliates. As permitted by law, we may release information we obtain about you from you (e.g., from your Loan Application) or third parties (e.g., credit reporting agencies) to companies with which we are related by common ownership or affiliated by corporate control, 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 writing to us or calling us at the contact address below.

 

Information We Collect While You Browse Our Web Site

We do not access information about your identity while you browse our Web site. You remain anonymous to us. While you view our site, our system tracks the pages you visit, the pages you download, the site you came from, and notes your IP address (but not your identity). We also may place a "cookie" on your computer that tracks your use of our Web site. A cookie is a piece of data that is stored on your hard drive. It takes up very little room on your system and helps us estimate the number of persons that use our site and determine which areas of our site are the most popular. The cookie does not provide us with any specific, personally-identifying information about you, such as your name, address, tax identification number, social security number, e-mail address, or phone number. You can remain anonymous while your are browsing our Web site, but once you complete the Application we will use the information stated therein to determine if you are eligible for the loan you requested. We may retain all of the information you provide to us in that Application process. That information may include personally-identifying information such as your name, income, assets, liabilities, age, social security number, and employment.

Information We Collect Once You Apply for a Loan

To apply for a loan, you need to complete our Loan Application. We keep all of the information you provide in that application, including your name, address, phone number, e-mail address, your stated income and assets, and the other financial information (which may vary depending upon the type of loan you are interested in obtaining). Since we, or one of our Lending Partners, may be loaning you money, we may also obtain information about you from other sources, such as credit reporting agencies, employers, or companies that have made loans to you or maintained your accounts. A "Lending Partner" is another financial institution that has contracted with us to provide certain types of loans to qualifying applicants. After you complete the Loan Application, we may analyze the information we have about you, including information we receive from our relationship with you, to identify the products and services offered by us and our Lending Partners that may be of interest to you.

Information We Obtain When You Contact Us

We will obtain information about you if you provide information to us in connection with the Contact Us page. We do not sell or disclose information from that page to others. We may use your e-mail address or telephone number to contact you to discuss any questions or comments you raised in the Contact Us page.

How We Use Your Information

If you are applying for a first or second home mortgage loan, we may process your application and, if you qualify, we may use the information you provided in your Loan Application to match you with one or more of our Lending Partners. If your loan is funded by a Lending Partner, your loan relationship will be with that Lending Partner.

How You Can View and Change Your Personal Information

You can review the personally-identifiable information we maintain on you and make any needed corrections to it by contacting us in writing at the address below.

Changes to Our Privacy Policy; Notices

We reserve the right to amend (add to, delete from, or change) the terms of this Privacy Policy from time to time. Our Privacy Policy, as in effect from time to time, is continually posted on our Web site. By electing to become one of our customers or by receiving our products and related services, you agree to receive copies of our Privacy Policy and any amendments to it from our Web site, unless you notify us otherwise in writing at the address below.

Linked Web Sites

Please note that because we cannot control information (or its use) on other Web sites, we are not responsible for the content of sites linked to or from our Web site. For example, if you click on a banner ad or logo appearing on our site, you will leave our Web site and be interacting directly with a third party. That third party may notice a visit to its Web site from your computer, and its Web site may place a cookie on your computer for whatever purpose it might normally use a cookie when you visit. It may also use any information you provide it in accordance with a Privacy Policy that is very different from our Privacy Policy.

Questions Regarding Our Privacy Policy

If you have any questions regarding our Privacy Policy or about submitting a Loan Application, please contact us using the information below.

Acknowledgment

For us to provide you with the financial product and related services, please be advised that by visiting our Web site, you have acknowledged receipt and knowledge of this Privacy Policy.

Contact Information

Attn: Compliance Officer

North Dallas Mortgage LLC

dba Texas Union Mortgage
6160 Warren Parkway, Suite 100

Frisco, Texas 75034
Ph 972-675-7713