Disclosures, Policies, Privacy, ETC
The Federal Equal Credit Opportunity Act
The Federal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of color, rate, religion, national origin, sex, marital status, age, due to all or part of the applicant's income being derived from any public assistance, or that the applicant has, in good faith, exercised any right under the Consumer Credit Protection Act.
Equal Credit Opportunity Act
Three Oaks Mortgage, LLC, in accordance with the Equal Credit Opportunity Act, does not discriminate against any applicant on the basis of race, religion, national origin, sex, marital status, age (provided the applicant has reached the age of majority and has the mental capacity to enter into a binding agreement) or disability.
Rate Lock
In the current financial climate, rates can change daily, and sometimes throughout the same day. A rate is not guaranteed until it is locked by the lender. A rate cannot be locked until the broker/lender receives a completed application, has obtained a credit report and the borrower has provided certain financial documents as requested by the broker/lender.
Privacy Policy
Three Oaks Mortgage, LLC takes the privacy of your information seriously, and will not sell, rent, lease or give away your personal information to others. By accessing and browsing our site, you accept, without limitation or qualification, the terms and conditions of Three Oaks Mortgage, LLC using that information for the purposes of offering you any loan products you may qualify for. DO NOT USE THIS SITE IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS. By continuing to use this site, you agree to hold harmless Three Oaks Mortgage, LLC from any liability or responsibility for any damages or injuries caused by the use of this site, including, but not limited to, any errors, omissions or misstatements. Three Oaks Mortgage, LLC does not guarantee any information or service offered by our lenders as provided on or through our website. Three Oaks Mortgage, LLC does not collect identifying information about visitors to our site.
Three Oaks Mortgage, LLC's mortgage application is through LendingPad software. LendingPad has programs in place to protect completed online applications. The information you supply is encrypted and then decoded to begin processing by Three Oaks Mortgage, LLC.
Legal Disclosure of Information
In accordance with the Home Mortgage Disclosure Act, enacted by Congree in 1975, lending institutions, such as Three Oaks Mortgage, LLC are required to report certain loan data. This loan data includes geographic distribution of applications and loans, race, sex, ethnicity, and income of applicants/borrowers, as well as information regarding loan approvals and denials. Please contact Three Oaks Mortgage, LLC for any questions or requests regarding this data.