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Wednesday February 26, 2020
What information do we collect?
We collect information from you when you fill out a form.
Any data we request that is not required will be specified as voluntary or optional.
When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address, mailing address or phone number. You may, however, visit our site anonymously.
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What do we use your information for?
Any of the information we collect from you may be used in one of the following ways:
The email address you provide for order processing, may be used to send you information and updates pertaining to your order or request, in addition to receiving occasional company news, updates, promotions, related product or service information, etc.
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How do we protect your information?
We implement a variety of security measures to maintain the safety of your personal information when you submit a request or access your personal information.
These security measures include: password protected directories and databases to safeguard your information or SSL (Secure Sockets Layered) technology to ensure that your information is fully encrypted and sent across the Internet securely.
We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway providers database only to be accessible by those authorized with special access rights to such systems, and are required to keep the information confidential.
After a transaction, your private information (credit cards, social security numbers, financials, etc.) will not be stored on our servers.
Do we use cookies?
Yes (Cookies are small files that a site or its service provider transfers to your computers hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information.
Do we disclose any information to outside parties?
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others' rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
Third party links
Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.
California Online Privacy Protection Act Compliance
Because we value your privacy we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent.
Children’s Online Privacy Protection Act Compliance
We are in compliance with the requirements of COPPA (Children’s Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.
CAN-SPAM Compliance
We have taken the necessary steps to ensure that we are compliant with the CAN-SPAM Act of 2003 by never sending out misleading information.
Your Consent
By using our site, you consent to our privacy policy.
Changes to our Privacy Policy
If we decide to change our privacy policy, we will post those changes on this page, and/or update the Privacy Policy modification date below. Policy changes will apply only to information collected after the date of the change.
This policy was last modified on 01/01/2014
Contacting Us
If there are any questions regarding this privacy policy you may contact us using the information below.
4MortgageQuotes.com
7660 Fay Ave. Suite H399
La Jolla, CA 92037
United States
support@4mortgagequotes.com
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We pledge to you, our customer, that we have made a dedicated effort to bring our privacy policy in line with the the following important privacy laws and initiatives:
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4MortgageQuotes.com
www.4mortgagequotes.com's privacy policy has been verified by Trust Guard
4MortgageQuotes.com is not a banker or lender (Service Provider). The Service Providers in our lender network participate in our quote matching service and may have mortgage loan products available that match the criteria you submit in our secure online form. The information collected is not an application for credit or a mortgage loan, nor is it used to pre-qualify you with any Service Provider. Our service is 100% completely free and there is no cost to submit a quote request, get matched with service providers, and receive mortgage offers. Of course, you will be responsible for paying any closing costs, loan processing fees, or other fees directly to the lender that you choose to close your loan with. The rate and payment referenced on our site or in any advertisement is for guidance and is based on available rates and terms from our lender network. The interest rate, APR, and terms that you are offered may vary based on your mortgage loan request and are determined by the lenders that you are matched with. There is a possibility that you may not be matched with the particular service provider that is making this example offer. Advertised rates are subject to change daily without notice. Not available in all states.
4MortgageQuotes.com is not acting as a lender or broker and does not make loans, loan commitments or lock-rates. The information provided by you to 4MortgageQuotes.com is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender. All credit decisions, including loan approval and the conditional rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your loan request, your particular financial situation, and and/or other factors and criteria determined by the lenders to whom you are matched. 4MortgageQuotes.com does not offer its matching services in all states. Not all consumers will qualify for the advertised rates, programs and terms.
Customer Support: support@4mortgagequotes.com
Media Inquires: media@4mortgagequotes.com
Customer Support
4MortgageQuotes.com
7660 Fay Ave. Suite H399
La Jolla, CA 92037
All service and data is provided by SecureRights.
Alabama Mortgage Brokers License No. MB 20145
Arkansas Mortgage Broker License No. 21750
Arizona Mortgage Broker License No. MB – 907329
California Real Estate Broker License No. 014819055
LeadPoint, Inc. DBA SecureRights is a Licensed California Real Estate Broker. SecureRights. does not make mortgage loans or commitments. The Housing Financial Discrimination Act of 1977 Fair Lending Notice. It is illegal to discriminate in the provisions of or in the availability of financial assistance because of the consideration of: a. Trends, characteristics or conditions in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate in the particular case that such consideration is required to avoid an unsafe and unsound business practice; or b. Race, color, religion, sex, marital status, national origin or ancestry. It is illegal to consider the racial, ethnic, religious or national origin composition of a neighborhood or geographic area surrounding a housing accommodation or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, or under what terms and conditions, to provide financial assistance. These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation or refinancing of one-to-four unit family residence occupied by the owner and for the purpose of the home improvement of any one-to-four unit family residence. If you have any questions about your rights, or if you wish to file a complaint, contact the management of this institution or the agency noted below.Department of Real Estate: 2201 Broadway P.O. Box 187000, Sacramento, CA 95808-7000 Department of Corporations: 320 West 4th Street Suite 750, Los Angeles, CA 90013-1105 If your inquiry is forwarded to a Lender that makes you an offer, within three business days from the date you submit an application to the Lender you should receive from the Lender a good faith estimate required under RESPA and an initial disclosure statement required under the Truth in Lending Act. If the Lender denies your request for credit, and that action is based, in whole or in part, on any information contained in a consumer credit report, you have the right to obtain, within sixty days, a free copy of your consumer credit report from the credit reporting agency which compiles and maintains files on consumers on a nationwide basis. You also have the right to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency by contacting that agency directly. An applicant, if married, may apply for a separate account. Mortgage Loan Disclosure Statement: SecureRights will receive a fee from a Lender upon passing along your consumer lead information in compensation for its services as a mortgage broker. This fee is received whether or not you close your loan and is the entire compensation received by SecureRights. I acknowledge that this mortgage broker fee will be paid to SecureRights and that there is no other mortgage broker fee agreement between us.
SecureRights is a broker only, not a lender. First Mortgage Broker License # 15700
Mortgage Broker License No. 148603
DC Mortgage Broker License No. 5461
Financing Agreement: Any Lender you transact with through SecureRights shall issue a Financing Agreement in accordance with D.C. Code Ann. § 26-1013. The Financing Agreement must include the terms of the loan, the principle amount of the loan, a full explanation of the loan type, the interest rate and points and fees, and the duration of the finance agreement. This Financing Agreement must be executed by the Lender and must be delivered at least 72 hours before settlement.
Mortgage Broker Business License No. 0506940
Idaho Mortgage Broker License No. 4688
SecureRights, does not act as a lender or credit provider. SecureRights will pass along the information you submit to our mortgage broker and/or lending partners and these party(s) will contact you with additional information/offers.SecureRights does not distribute the products of all lenders or investors in the marketplace and therefore cannot guarantee the lowest price or best terms available in the market.SecureRights provides a service to the consumer at no cost to the consumer. SecureRights will not charge or seek fees of any kind from you. SecureRights will receive fees from broker/lender partners and may be paid based on (i) the value of the Mortgage Loan or related servicing rights in the market place or (ii) other services, goods or facilities performed or provided by us to the broker/lender.This agreement remains in effect only as long as you seek to use the services offered by SecureRights. You may discontinue this relationship at any time, without notice, at no cost or penalty to you.Idaho Prepayment Penalty Disclosure: If you, the borrower, pay off or refinance your mortgage loan before the date for repayment stated in the loan agreement, you may be charged a prepayment charge.A prepayment penalty charge may be significant. Prior to signing any documents, make sure you fully understand the prepayment charge provisions outlined in your loan agreement.Interest Rate Lock Information: An interest rate that is not locked in is subject to change.
Illinois Residential Mortgage Licensee MB.6759917
Loan Brokerage Agreement and Broker Disclosure Statement: Secure Rights is a mortgage broker and not a lender. Secure Rights provides mortgage information at no cost to you. Secure Rights will not accept, charge or seek fees of any kind from you. Secure Rights will transmit your request for information to our lending partners and these partners will contact you with their offers. Secure Rights does not distribute the products of all lenders and therefore cannot guarantee the lowest price or best terms available in the market. Secure Rights receives fees from lending partners based on the services, goods or facilities performed or provided by us to the lender. This agreement remains in effect only as long as you seek to use our services. You may discontinue this relationship at any time, without notice, at no cost or penalty to you. A participating lender may provide you with a Borrower Information Document pursuant to the Residential Mortgage License Act of 1987. You may also receive a list of documents and materials required to complete your loan application with the lender. Illinois Department of Financial and Professional Regulation Division of Banking: 122 S. Michigan Ave., Suite 1900, Chicago, IL 60603,(312) 793-3000
Indiana Loan Broker Registration License No. 05-0057LB
Iowa Mortgage Broker License No. 2005-0008
Mortgage Company License No. 2005-4885
SecureRights11661 San Vicente BlvdLos Angeles, CA 90049SecureRights is a mortgage business licensed with the Kansas Office of the State Bank Commissioner in accordance with the laws of the state of Kansas. This license does not represent an endorsement or recommendation of the licensee's products or services by the Office of the State Bank Commissioner. As a consumer, you may submit a complaint or inquiry about this mortgage business by delivering a written statement to the Office of the State Bank Commissioner, 700 Jackson, Suite 300, Topeka, KS 66603.
Residential Mortgage Lender RML 2204 – 0
Loan Broker #CSO7580
The State of Maine requires certain disclosures below before signing a contract or paying fees to a credit services organization. Please print out this information and keep for your records to acknowledge reading and receiving a copy of these disclosures. Escrowing of Consumer Funds. SecureRights will receive no fees of any kind at any time from consumers or prospective borrowers. SecureRights does not charge Prospective Borrower a fee for services provided and will at no time seek or charge fees of any kind from Prospective Borrowers. SecureRights receives a fee from the lender for marketing Prospective Borrower's potential loan product business to the lender. SecureRights will link Prospective Borrowers to our Qualified Network of lenders; one or more lenders will contact the Prospective Borrower directly with loan product offerings. SecureRights represents the interests of Prospective Borrower while performing these services; the services are consultative only. Prospective Borrower will rely on his/her judgment to decide which loan product best suits them. SecureRights does not distribute the products of all lenders or credit providers in the marketplace and does not guarantee that Prospective Borrower will receive the lowest price or best terms available in the market. A consumer protection bond is on file with the State of Maine. If you have a claim against our company which cannot be resolved through information means, you may institute an action to recover your loss from that bond by filing a written complaint with the Director, Office of Consumer Credit Regulation, 35 State House Station, Augusta, Maine 04333-0035.
Maryland Mortgage Lender License No. 12633
SecureRights does not accept or solicit any fees or payments from consumers. If you submit an inquiry to SecureRights and your inquiry is forwarded to our participating Lenders, you may be issued a Financing Agreement by Lenders as per Maryland Commercial Law Code §§ 12-125, 1013. This Financing Agreement must contain the following: (1) the term and principal amount of the loan; (2) an explanation of the type of mortgage loan being offered; (3) the rate of interest that will apply to the loan, and, if the rate is subject to change or is a variable rate, or is subject to final determination at a future date based on some objective standard, a specific statement of those facts; (4) any points to be paid by the borrower or the seller; and (5) the effective term of the Financing Agreement.
Massachusetts Mortgage Broker License MB 4077
In accordance with Massachusetts General Law, Chapter 184, Section 17B, we must advise you that the responsibility of the attorney for the mortgagee is to protect the interest of the mortgagee and the mortgagor may, at his own expense, engage an attorney of his own selection to represent his own interests in the transaction. In addition, the mortgagor shall, if applicable, provide you with the approximate expiration date of the note, the rate of interest charged, and that the mortgagee may demand payment of the note by agreement at a greater or lesser rate of interest, or may, by agreement, allow payments to be made on the note at the same, or a lesser or greater rate of interest. Massachusetts law prohibit creditors from discriminating against credit applicants on the basis of race, color, religion, creed, national origin, sex, sexual orientation, ancestry, handicap, marital status, age (provided that the applicant has the capacity to enter into a binding contract), or because all or part of the applicant's income derives from any public assistance program. MORTGAGE BROKER DISCLOSURES REQUIRED BY THE ATTORNEY GENERAL'S CONSUMER PROTECTION REGULATIONSLeadPoint, Inc. DBA Secure Rights: 11661 San Vicente Blvd Suite 800, Los Angeles, CA 90049. Mortgage Broker License Number: TBD. Secure Rights acts as your mortgage broker. Secure Rights does not make mortgage loans and cannot guarantee acceptance into any particular loan program or promise specific loan terms or conditions. Secure Rights will not charge a fee to consumers to arrange a mortgage loan from the mortgage lender. Secure Rights receives payment from our partner brokers and lenders for marketing services provided which links consumer to loan products. As a consumer, your submitted information will be forwarded to partner lender(s) who will be able to obtain a mortgage loan for you based on the information provided. We will perform the following services for you: (i) make available a website based mortgage information request form; (ii) transmit completed mortgage information inquiries to partner lenders.
Michigan First Mortgage License No. 11413
Minnesota Residential Mortgage Originator License No. MO 20502025
SECURE RIGHTS IS NOT ACTING AS YOUR AGENT IN CONNECTION WITH OBTAINING A RESIDENTIAL MORTGAGE LOAN. WHILE WE SEEK TO ASSIST YOU IN MEETING YOUR FINANCIAL NEEDS, WE CANNOT GUARANTEE THE LOWEST OR BEST TERMS AVAILABLE IN THE MARKET.
Mississippi Mortgage Company License No. 831/2006
Missouri Residential Mortgage Broker License No. 05-1288
Nebraska Licensed Mortgage Banker License No. 1488
New Mexico Loan Broker License No. 02297
New York Registered Mortgage Broker No. 204333
North Carolina Mortgage Lender License No. L-129795
North Dakota Money Broker License No. MB: 101168
Oklahoma Supervised Lender License No. SL006244
Oregon Mortgage Broker License No. ML-3528
Licensed by the Pennsylvania Department of Banking, First Mortgage Broker License No. 15604, Secondary Mortgage Broker License No. 15605
If you choose to transact with a Lender, the Lender may require you to pay an application fee to cover the costs of an appraisal, credit report or other items. The Lender determines the fee amount. Your loan documents will disclose whether these fees are refundable or nonrefundable. Variable Interest Rate Disclosure: Pennsylvania's Loan Interest and Protection Law is applicable to loans of $50,000 or less. Under this law, a Lender offering a mortgage with a variable interest rate is required to offer a mortgage with an interest rate that will not change. This fixed interest rate mortgage must be offered to you at reasonably competitive terms and rate. On variable interest loans, the Lender will explain how the interest rate can change in the future, an explanation of the index and the effect of changes in the index on the rate and term.
South Dakota Mortgage Broker License No. 593
Tennessee Mortgage Broker License No.
Regulated Loan Licensee: Main Office License # 46691, Branch Office License # 46690, Mortgage Broker License #57160
LeadPoint, Inc., acting in a brokerage capacity, will provide the following services to Prospective Borrower(s) (hereinafter "You"): LeadPoint will link Prospective Borrower to our Qualified Network of lenders and one or more lender will contact You directly with loan product offerings. LeadPoint is not a lender or credit provider and will not be making the loan to You. You will rely on your own judgment in deciding which offered loan product is best suited to your needs and financial means. LeadPoint will not charge You a fee for services provided; LeadPoint will at no time seek or charge fees of any kind from You. LeadPoint receives a fee from the lender for marketing your potential loan product business to the lender. The fee received by LeadPoint is not related to the value of the loan product you select. LeadPoint, as a broker and not a lender, will not be extending credit to You or making a loan offer to You. You should read all documents carefully and make sure you understand the terms and conditions prior to signing any contract between You and the lender you choose. Any agreement between You and a lender should include the following disclosures if applicable: the identity of the creditor, the amount financed, annual percentage rate and any applicable variable-rate disclosures, finance charge, total of payments, payment schedule, prepayment/late payment penalties, information regarding late fees, prepayment clauses, provisions for after maturity interest, finance charge earning, refunds, default conditions, property insurance, mailing of notices, etc. COMPLAINTS REGARDING MORTGAGE BROKERS OR LOAN OFFICERS SHOULD BE SIGNED AND SHOULD BE SENT TO THE TEXAS SAVINGS AND LOAN DEPARTMENT, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
Utah Mortgage Lender Company License No. 5798608-MLCO
Vermont Mortgage Broker License No. 609 MB
SecureRights, acting in a brokerage capacity, will link Prospective Borrowers to our Qualified Network of lenders; one or more lenders will contact the Prospective Borrower directly with loan product offerings. SecureRights is not a lender or credit provider and SecureRights does not make loans to Prospective Borrowers. SecureRights represents the interests of Prospective Borrower while performing these services; the services are consultative only. Prospective Borrower will rely on his/her judgment to decide which loan product best suits them. Prospective Borrower is not relying on SecureRights to select a product for him/her. SecureRights does not distribute the products of all lenders or credit providers in the marketplace and does not guarantee that Prospective Borrower will receive the lowest price or best terms available in the market. SecureRights does not charge Prospective Borrower a fee for services provided. SecureRights will at no time seek or charge fees of any kind from Prospective Borrowers. SecureRights receives a fee from the lender for marketing Prospective Borrower's potential loan product business to the lender. Prospective Borrower(s) and SecureRights agree to the above terms and conditions. Prospective Borrower(s) authorize(s) the release of all information required by the lender relating to the disposition and status of the mortgage application. This agreement should be printed and retained for your records.
Virginia Mortgage Broker License No: MB-3052
Mortgage Broker License No: 510-MB-27649
In accordance with RESPA and the initial disclosure statement required under the TILA, you may receive from the Lenders a good faith estimate of settlement costs if your loan request is forwarded to one or more participating Lenders. Interest rates quoted in connection with the loan selected are subject to change, without notice, unless and until an interest rate lock-in agreement is made between you and the Lender. SecureRights does not offer lock-in agreements and does not guarantee interest rates offered or quoted by a participating Lender. If you enter a lock-in agreement with the Lender and are required to pay a lock-in fee, the terms and conditions under which the lock-in fee may be refunded, if any, are set by the Lender. SecureRights will not seek or accept any fees from you at any time. All fees due will be collected by and payable to the Lender. If the Lender is licensed under the Mortgage Broker Practices Act, the fees paid by you for third-party provider services (such as an appraisal or credit report), may be held in a trust account and any moneys remaining after the payment to third-party providers will be refunded to you. If you are unable to obtain a loan for any reason, the Lender, if licensed under the Mortgage Broker Practices Act, will, within five (5) days of a written request by you, give copies to you of any appraisal, title report, or credit report paid for by you, and transmit the original appraisal, title report, or credit report to any other mortgage broker or lender to whom you direct. Transmission of these reports includes the right to use these reports. You are also entitled to receive a copy of any appraisal paid for by you, pursuant to the Federal Equal Credit Opportunity Act. Washington state law prohibits discrimination in credit transactions based on race, creed, color, national origin, sex or marital status. The Washington State Human Rights Commission administers compliance with this law.
Mortgage Broker License No. 22024
Mortgage Broker License No. 17546
Secure Rights provides mortgage information at no cost to you. Secure Rights will not charge or seek fees of any kind from you. This agreement remains in effect only as long as you seek to use the services offered by Secure Rights; you may discontinue this relationship at any time, without notice, at no cost or penalty to you. This agreement does not create an exclusive relationship. Secure Rights does not act as a lender or credit provider. Secure Rights will pass along your inquiry to qualified lenders and one or more lender will contact you with their loan product offers. Secure Rights seeks to help you meet your financial needs, however we do not distribute the products of all lenders in the market and cannot guarantee the lowest price or best terms available in the market. Secure Rights receives fees from qualified lender partners and may be paid based on (i) the value of the Mortgage Loan or related servicing rights in the market place or (ii) other services, goods or facilities performed or provided by us to the lender.
Mortgage Broker License No. 347
