Notice to Our Customers
To help the government fight the funding of terrorism and money laundering activities, Federal law requires us to obtain, verify, and record information that identifies each person who applies for a mortgage loan or other financial services with this establishment.  We will ask for your name, address and other information that will allow us to identify you.  We may also ask to see your driver's license or other identifying documents.

 

Complaints

Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department Of Savings And Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at (877) 276-5550.

 

The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.

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State Licensing

Texas –Licensed by the Texas Department of Savings and Mortgage Lending - Mortgage Banker Registration – NMLS #111842 - 8588 Katy Freeway, Suite 200, Houston, TX 77024

 

Georgia – Licensed by the Georgia Department of Banking and Finance - Mortgage Lender License #15346, 8588 Katy Freeway, Suite 200, Houston, TX 77024

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Privacy Policy

At America’s Choice Home Loans LP we value your trust, and we work hard to protect your private information. This notice describes out company privacy policy – what information we collect and what we do with it. The matters covered in this policy are:

1. What personally identifiable information we collect from you through our website or
other means, how it is used, and with whom it may be shared;
2. What choices are available to you regarding the use of your personal information;
3. How we protect against the misuse of your personal information; and
4. How you can correct any inaccuracies in your personal information.

How We Collect, Use, and Share Personal Information
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 us to make an informed decision about granting you credit. We are the sole owners of this information, and we will not sell or rent it to any third party.
Information Collected:
We collect non-public personal information about you from the following sources:
- Information we receive from you on the application or other forms, such as your name, address, social security number, assets, and income - Information we receive from a consumer reporting agency, such as your creditworthiness and credit history
- Information we receive from third party verifications, such as verifications of
employment, rent or bank deposits.

Information Shared:
We may disclose the above information about you to the following types of third parties:
- Financial service providers, such as mortgage bankers and insurance agents
- Non-financial companies, such as title and escrow companies, real estate brokers,
appraisal companies, etc
- Others, such as non-profit organizations

We may disclose the above information to companies performing marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. By sharing this information, we can better understand your financial needs and offer products to help you better reach your financial goals.
We require anyone that must have such access to your information to implement appropriate protections and safeguards.

The information sharing described above is subject to your right to direct that we do not make the disclosures, and this opt-out right is described below. We may disclose non-public personal information about you, including consumer report type information that relates solely to our transactions and experiences with you, to our affiliates, and this information sharing is not subject to an opt out right. We may wish to share consumer report type information that does not relate solely to our transactions and experiences with you (“Other Information”) with our affiliates who may have products or services that are of interest to you, or who may be able to offer assistance in connection with your transaction. You have the right to opt out of our sharing
of Other Information with our affiliates.

We may contact you in the future via email or otherwise about specials or other products and services we offer, or changes to our policies, including this Privacy Policy. You may tell us you do not wish to be contacted by us by opting out.

Opting Out:
If you prefer that we do not disclose non-public personal information about you to non-affiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make these disclosures (other than disclosures permitted by law). As noted above, you also have the right to opt out of our sharing of Other Information, that is, direct us not to share Other Information, with our affiliates. If you would like to limit disclosures of personal information about you as described in this notice, just fax, email, or mail us your choices. Our contact information is described below.

( ) Please do not share information about me with non-affiliated third parties
( ) Please do not share Other Information about me with your affiliates
( ) Please do not contact me with offers or products or services by email, mail, or telephone

For Joint Accounts, your opt-out choices will also apply to other individuals who are joint account holders. If these individuals have separate accounts, your opt-out will not apply to those separate accounts.

America’s Choice Home Loans LP
Attention: Opt Out
8588 Katy Freeway, Ste 200
Houston, TX 77024
Fax: 713-647-9941
OR
Email: optout@wechooseamerica.com

How We Protect Your Information
When you contact us on-line or otherwise, we provide reasonable security to protect and safeguard your personal information. When sensitive information (such as credit information) is collected, that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for “https” at the beginning of the address of the web page.
While encryption is one method used to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, loan processing or customer service) are granted access to personally identifiable information. The physical files, and computers or servers in which we store personally identifiable information, are kept in a secure environment.

Your Access to and Control over Information
You may opt out of any future contact from us at any time. You may review and correct or delete information* about yourself (with proper authentication) at any time by contacting us via the email, fax, or mailing address provided above.
*Please note that we are required by law to retain certain information in the form in which it was received, and may not change, alter, or delete it.

Tell Us About Your Concerns
If at any time you have questions about our Privacy Policy, or believe we are violating this Policy in any way, please contact us via the email or mailing address provided above. Your trust is important to us. We promise to work hard to deserve it.

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