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FACTS

What Does Valley View Home Loans Do With Your Personal Information?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and Income
  • Credit history and Credit scores
  • Mortgage rates and payments and Employment information

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All ?nancial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons ?nancial companies can share their customers’ personal information; the reasons Valley View Home Loans chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Valley View Home Loans share? Can you limit this sharing?

For our everyday business purposes -

such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes -

to offer our products and service to you

No

We don’t share

For joint marketing with other financial companies

No

We don’t share

For our affiliates’ everyday business purposes -

information about your transactions and experiences

Yes

No

For our affiliates’ everyday business purposes -

information about your creditworthiness

Yes

No

For our af?liates to market to you

(Only use with Affiliates)

No

No

For nonaf?liates to market to you

No

We don’t share

Questions?

Call 1-855-550-8500 or go to https://valleyviewhomeloans.com

Who We Are

Who is providing this notice?

Valley View Home Loans

What We Do

Valley View Home Loans

Financial protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law.

These measures include computer safeguards and secured files and buildings.

Additional privacy safeguards

We take all necessary precautions as defined by applicable law.

Valley View Home Loans

Financial collect my personal information?

We collect your personal information, for example when you

  • Apply for loan
  • Give us your income information or give us your contact information
  • Provide employment information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law give you the right to limit only

  • sharing for affiliates’ everyday business purposes - information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

Companies reacted by common ownership or control. They can be financial and non-financial companies.

  • Valley View Home Loans has no affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Valley View Home Loans does not share with nonaffiliated so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Valley View Home Loans does not enter into joint marketing agreements.

Third-Party Personal Data: Personal Data relating to third parties stored in your email and mobile device address books, including, without limitation, names, email addresses, and phone numbers. Third-Party services may request permission to access such Personal data.

Cookies: The Platform uses cookies, and similar technologies to cookies, to collect information about your access and use of the Platform. A number of cookies we use last only for the duration of your web or application session and expire when you close your browser or exit the application. Other cookies are used to remember you when you return to the Platform and will last for longer. You can also update your privacy settings on your device by setting the “Limit Ad Tracking” and Diagnostics and Usage setting property located in the settings screen of your Apple iPhone or iPad, or by resetting your Android ID through apps that are available in the Play Store. You can also stop information collection by uninstalling the App on your device and you can use the standard uninstall process available as part of your device for this purpose.

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We are an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program; or because you have exercised your rights under the Consumer Credit Protection Act. 

Program rates and parameters are subject to change without notice, and may differ by geographic location. Turn times are estimates and not warranted or guaranteed. Restrictions may apply. This material is intended for use by industry professionals only, and not for distribution to consumers. This is neither a solicitation of an offer nor a commitment to lend.

The interest rate you pay on a mortgage is the single biggest factor in your monthly payments. The higher the mortgage rate, the more you will pay over the life of the home loan. It is thus very important for you to compare mortgage rates when you shop for a loan. At Valley View Home Loans our experienced Loan Advisors are ready to help. Call us or apply online and we will help with the rest. © 2017 Bay-Valley Mortgage Group, Inc. DBA Valley View Home Loans and Pacific Bay Lending Group. All Rights Reserved. NMLS # 192103. NMLS CONSUMER ACCESS . Licensed by the California Bureau of Real Estate.

 

TEXAS COMPLAINTS & REIMBURSEMENTS

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  1-877-276-5550. 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 .

7390 Lincoln Way. Garden Grove, CA 92841

714-367-5125   |     [email protected]

We are an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program; or because you have exercised your rights under the Consumer Credit Protection Act. 

Program rates and parameters are subject to change without notice, and may differ by geographic location. Turn times are estimates and not warranted or guaranteed. Restrictions may apply. This material is intended for use by industry professionals only, and not for distribution to consumers. This is neither a solicitation of an offer nor a commitment to lend.

The interest rate you pay on a mortgage is the single biggest factor in your monthly payments. The higher the mortgage rate, the more you will pay over the life of the home loan. It is thus very important for you to compare mortgage rates when you shop for a loan. At Valley View Home Loans our experienced Loan Advisors are ready to help. Call us or apply online and we will help with the rest. © 2017 Bay-Valley Mortgage Group, Inc. DBA Valley View Home Loans and Pacific Bay Lending Group. All Rights Reserved. NMLS # 192103. NMLS CONSUMER ACCESS . Licensed by the California Bureau of Real Estate.

 

TEXAS COMPLAINTS & REIMBURSEMENTS

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  1-877-276-5550. 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 .