All loans subject to credit approval. Rates and fees subject to change. Mortgage financing provided by LoanLynx. Equal Housing Lender. © 2016-2017 LOANLYNX™.
LOANLYNX, INC. (NMLS: 1451865) is a wholly owned mortgage broker licensed by:
- Florida (FL) – Office of Financial Regulation (FL–OFR), Mortgage Broker License No. MBR1922.
- California (CA) – Licensed by the Department of Business Oversight (DBO) under the California Residential Mortgage Lending Act – License No. 60DBO61583.
- Colorado (CO) – Registered Mortgage Company by the Department of Regulatory Agencies (DORA), Division of Real Estate – License No. N/A.
Visitors to the LoanLynx website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:
- Date and time our site was accessed
- IP address
- Web browser used
- City, state and country
In accordance with Section 326 of the USA PATRIOT Act of 2001, LoanLynx is required to obtain a copy of the documents used in identifying our new account customers. This notice is being provided to you for adequate notice given under this act.
SHARING WITH NON-AFFILIATED COMPANIES
From time to time, we will share customer information with those companies, which are not affiliated with our corporation, in order to provide the products and services that you have requested or already have with us. These companies may include (but are not limited to) financial service providers such as insurance companies, payment or data processing companies, check printing companies, retailers, non-profit organizations, etc. These companies assist us in fulfilling and maintaining your service requests, processing your transactions, or mailing account statements. We make sure that each company is contractually obligated to keep our customer’s information confidential, and use of the information is strictly limited to providing the services we have asked them to perform for you and us.
AFFILIATE SHARING OPT-OUT
The Fair Credit Reporting Act (FCRA) allows you the opportunity to limit the sharing of “non-experience” information within the LoanLynx family of companies. Such information includes information that is used, expected to be used or collected for the purpose of establishing your eligibility for consumer credit and related products and services and is not related solely to your transactions or other communications with us. Examples of non-transaction, non-experience information could include data contained in a consumer credit report or application information such as income and assets.
LoanLynx is organized under the laws of the State of Florida and by state law is subject to regulatory oversight by the Florida Office of Financial Regulation. Any consumer wishing to file a complaint against LoanLynx should contact the Florida Office of Financial Regulation, Division of Consumer Finance through one of the means indicated below.
In person or by U.S. Mail:
Florida Office of Financial Regulation
Division of Consumer Finance
Consumer Assistance Group
200 E. Gaines Street
Tallahassee, FL 32399-0381
Website: www.flofr.com | (‘File a Complaint’)
HOME MORTGAGE DISCLOSURE ACT (HMDA)
Enacted by Congress in 1975, the Home Mortgage Disclosure Act legislates the reporting of loan data by lending institutions. This includes geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. This data is reported by the lending institutions on the first of March for loans and applications of the previous calendar year. If requested, lenders need to have the information available within 30 days of the request but not earlier than March 31st.
To receive a copy of these data send a written request to:
Attn: Compliance Department
10302 S Federal Hwy, Suite 300
Port Saint Lucie, FL 34952
THE FEDERAL EQUAL CREDIT OPPORTUNITY ACT (ECOA)
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the bases of race, color, religion, national origin, sex, marital status, age (providing the applicant has the capacity to enter into a binding contract); because all or part of the applicants income derives from any public assistance program; or, because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
LoanLynx, places a high priority on protecting your personal and confidential information. We make every effort to guard the information you provide us, no matter how we receive it.
When emailing your LoanLynx contacts, please keep in mind the security settings from which you are transmitting this information. While information we share via email within our organization is guarded and secure, messages emailed in from outside providers cannot be guaranteed. When communicating with your LoanLynx contents, please be sure only to send confidential information (account numbers, social security numbers, etc…) from secure email services. If you are not sure of the security settings of your email, it is often safer to provide confidential information via the postal system, by calling or through visiting the office location.
COMPLETING ONLINE FORMS
When you complete a form online, such as an online mortgage application, LoanLynx has programs in place to protect it. The information you supply is encrypted and then decoded to begin processing when it arrives to LoanLynx. If you would like to feel more secure as you work with your confidential information online, you can look for a couple features in your web browser that will provide you assurance that your information is protected. First, you can look for a lock icon, typically found in a lower corner of your web window or at the end of the window where the web address appears. Also, within the web address, you can look for it to read https:// at the beginning of the URL. With it typically reading https://, the addition of the “s” means the site you are visiting is secure. With LoanLynx, you are covered!
LINKING OUTSIDE OF THE LOANLYNX WEBSITE
LoanLynx is not held responsible for any information or content found on websites linked to or from our company website. Any link that might be provided is for the potential benefit of the visitor to our site; however, the accuracy of the third party’s site’s content is not guaranteed. Third party sites also operate under different privacy and security policies which may be different from those of LoanLynx.