We are committed to safeguarding your privacy. Please read the following policy to understand how your personal information will be treated as you use our services.
The Security We Use to Protect Your Information
We use SSL (Secure Sockets Layer) technology to protect all data transmitted between browsers and our servers. In order to use the site, users are required to be running an SSL-capable browser.
What Information We Collect From You
We collect various types of personal information about you during the normal course of offering and providing real estate and/or mortgage services. This includes but is not limited to: Information you provide in order to purchase a home and/or obtain a home loan including your name, phone number, address, social security number, email address, employer’s name and address, income, assets, liabilities, and answers to questions of both personal and financial matters; communications from you regarding your loan(s) such as a change of employment; information obtained from third parties such as consumer reporting agencies or credit bureaus, employers, depository institutions and others, that we use to evaluate a loan application; information that we may gather in compliance with certain laws and regulations, such as the Home Mortgage Disclosure Act.
Sharing of the Information Gathered on This Site
We are the sole owner of the information collected on this site. However, in order to process your loan we must share some of the information with certain third parties. These third parties include: appraisal companies, credit agencies, lenders, mortgage insurance companies, title and escrow companies.
What Cookies Are and How They Are Used
This site contains external links (links to other sites). We are not responsible for the privacy practices or the content of such websites.
If you have any questions about this privacy statement, the practices of this site, or your dealings with this web site, please contact us.
Updating or Deleting Your Information, Including Demographic and Profile Data
You may update or delete your information at any time prior to completing an online data form. Once your online form is completed and submitted, you will not be able to change any of the information online. You will need to contact us via email, phone or postal mail to request that we update or delete your information.
Demographic and Profile Data
We may share certain aggregated demographic and profile data with government agencies. Aggregate data excludes information that would enable any individual to be identified. We also collect certain data (including your IP address) about your visit to our website in our log files to enable us to analyze site traffic and gather broad demographic data. The data in our log files are not linked to personally identifiable information
Between You or User & United Mortgage Corp.
Please read this agreement (“Agreement”) carefully before accessing or using this website (“Site”). By accessing or using the Site, you agree to be bound by this Agreement. United Mortgage Corp. and its suppliers provide the information and services on this site to you, the user, conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of this site and accessing its content constitutes your agreement to all the terms, conditions and notices contained in this agreement.
The information and services offered on this Site are provided with the understanding that neither United Mortgage Corp., nor its suppliers or users are engaged in rendering legal or other professional services or advice. Your use of the Site is subject to the additional disclaimers that may appear throughout the Site.
United Mortgage Corp. and its agents assume no responsibility for any consequence relating directly or indirectly to any action or inaction that you take or don’t take based on the information, services or other material on this Site. While United Mortgage Corp. and its suppliers, strive to keep the information on this Site accurate, complete and up-to-date, United Mortgage Corp., and its suppliers cannot guarantee, and will not be responsible for any damage or loss related to, the accuracy, completeness or timeliness of the information.
PERSONAL AND NONCOMMERCIAL USE LIMITATION: PROHIBITED USES
You may access and print materials on this Site for your personal and non-commercial use. However, You may not modify, copy, distribute, transmit, display, reproduce, publish, create works from, frame and use in another Web page, use on any other website, transfer or sell any information, products or services obtained from this Site. If and when requested by United Mortgage Corp., you agree to provide true, accurate and complete user information and to refrain from impersonating or falsely representing your affiliation with any person or entity. Except with the written permission of United Mortgage Corp., you agree to refrain from accessing or attempting to access secure or non-public areas of this Site. Unauthorized individuals attempting to access prohibited areas of this Site may be subject to prosecution. Individuals that violation these prohibitions will be prosecuted.
All materials on this Site (as well as the organization and layout of the Site) are owned and copyrighted or licensed by United Mortgage Corp. and its affiliates. ©Copyright United Mortgage Corp. 2008. All rights reserved. No reproduction, distribution or transmission of the copyrighted materials on this Site is permitted without the written permission of United Mortgage Corp. and/or its affiliates.
NO UNLAWFUL OR PROHIBITED USE
As a condition of your use of this Site, you warrant and hold harmless United Mortgage Corp., that you will not use this Site for any purpose that is unlawful or prohibited by these terms, conditions, notices, and applicable federal and state laws. If you violate any of these terms, your permission to use the Site automatically terminates.
Your use of this Site is at your own risk. If your use of this Site or the materials therein results in the need for servicing or replacing property, loss of money, material, equipment or data, neither United Mortgage Corp., nor its affiliates are responsible for those costs.
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. United Mortgage Corp., ITS AFFILIATES AND/OR ITS RESPECTIVE SUPPLIERS MAY WITHOUT PRIOR NOTICE MAKE IMPROVEMENTS AND/OR CHANGES IN THIS SITE INCLUDING BUT NOT LIMITED TO THE INFORMATION, SERVICES, PRODUCTS OR OTHER MATERIAL AT ANY TIME. ALL INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. IN NO EVENT SHALL United Mortgage Corp., ITS AFFILIATES AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, PRODUCTS, MATERIAL AND/OR SERVICES OBTAINED THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF United Mortgage Corp., ITS AFFILIATES OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.
You agree to indemnify, defend and hold harmless United Mortgage Corp., its affiliates and suppliers from any liability, loss, claim and expense (including attorney’s reasonable fees) related to your violation of this Agreement.
LINKS TO THIRD PARTY SITES
CHANGES TO AGREEMENT
United Mortgage Corp. may and can modify this Agreement at any time, and such modifications shall be effective immediately upon posting of the modified Agreement. It is your responsibility to review this Agreement periodically, and your continued access or use of this Site will be deemed to be your acceptance of the modified Agreement.
This website is applicable to and should only be used by persons 18 years of age or older and located within the United States of America. Accessing or using this website by any person under the age of 18 or from locations outside the United States is prohibited.
This Agreement and the resolution of any dispute related to this Agreement or this Site shall be governed by and construed in accordance with the laws of New York without giving effect to any principles of conflicts of law. Failure by United Mortgage Corp. or its affiliates to strictly enforce any provision of this Agreement shall not be construed as a waiver of any provision or right. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of this Site or this Agreement must be filed within one (1) month after such claim or cause of action arose or be forever barred. Any legal action or proceeding between United Mortgage Corp., and/or its affiliates and you related to this Agreement shall be brought in federal district court and/or by methods of mediation. You agree that the decision as to where to bring or hold these proceedings is at the sole discretion of United Mortgage Corp., and/or its affiliates.
United Mortgage Corp. logos, products and service names are trademarks owned by and licensed to United Mortgage Corp., or its affiliates (the “Marks”). Without the prior written permission of United Mortgage Corp., or its appropriate affiliates, you agree not to display or use in any manner, the Marks. All other trademarks are the property of their respective owners.
In accordance with state and federal regulations, the following disclosure and licensing information is available for you to review online:
- Home Mortgage Disclosure Act
- Equal Housing Opportunity Lender
- Equal Credit Opportunity Act Fair Lending Notice
Home Mortgage Disclosure Act (HMDA)
The HMDA data about our residential mortgage lending is available for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at 25 Melville Park Road, Suite 100, Melville, NY 11747 regarding the location of where our HMDA data may be inspected. To receive a copy of the data, send a written request to:
United Mortgage Corp.
c/o Compliance Department
25 Melville Park Rd
Melville, NY 11747
Equal Housing Opportunity Lender
We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin:
- In the sale or rental of housing
- In advertising the sale or rental of housing
- In the financing of housing
- In the provision of real estate brokerage service
- In the appraisal of housing
- Blockbusting is also illegal
Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (toll free), or 1-800-927-9275 (tdd), U.S. Department of Housing and Urban Development Assistant Secretary for Fair Housing and Equal Opportunity, Washington DC 20410.
Equal Credit Opportunity Act Fair Lending Notice
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 capacity 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. The federal agency that administers compliance with this law concerning the creditor is:
Federal Trade Commission
Equal Credit Opportunity
Washington DC 20580
Fair Lending Policy
United Mortgage Corp. is committed to fair lending practices. It is our policy to make credit products available to all applicants on a consistent and fair basis, provided they meet standard guidelines for safe and sound lending.
United Mortgage Corp. does not discriminate against any credit request on the basis of race, color, religion, national origin, marital status, age (providing the applicant is of legal age and has the capacity to enter into a binding legal contract), sex, disability, familial status, receipt of public assistance, or if the individual has exercised in good faith any right under the Consumer Credit Protection Act, or on any prohibited basis.
No High Cost Loans
United Mortgage Corp. is also committed to not originate loans that would be considered “High Cost Loans” under the Federal Home Ownership & Equity Protection Act. (HOEPA).
No Predatory Lending
United Mortgage Corp.’s will not originate loans that have “Predatory” characteristics nature. We also do not require that borrowers purchase single paid, or life credit insurance premiums from United Mortgage Corp..
All advertised rates are subject to underwriting approval. Not all applicants will be approved. Fees and Charges may apply. Full documentation & property insurance required. Loans secured by liens against your property. Consolidating debts may increase the time and/or the total amount needed to repay your debt. Taxes & insurance are not included in any payments advertised. Terms, conditions & restrictions apply. Your rate and term may vary. Lock in fee required to secure rate. The only way to lock in a rate is to speak with a United Mortgage Corp. employee and receive confirmation of lock-in. Loans are arranged through third party lenders and investors. Recent advertised rates are subject to change without notice. Advertised rates are available on owner-occupied single-family residential properties. Call for further details.
Rates for purchase and refinance loans may vary. Fees and charges may apply. An advertised rate is not guaranteed and does not constitute an approval. Not all applicants will be approved. Minimum credit score requirement apply. Full documentation, acceptable properties, insurance, and additional underwriting is required. Loans are secured by liens against real property. Terms, conditions, and restrictions apply. Taking cash our consolidating debt my increase time for approval, the rate, loan amount and the requirements of your loan. Rates may include discount points. Rates and terms may vary. You can only lock in a rate if you speak with a United Mortgage Professional. Locks require a lock-in fee. Rates are not available in all areas. Minimum and maximum loan amounts apply. Rates are subject to change without notice. Taxes and Insurance are extra. Waiving escrow may require a higher rate or additional fees.