First Time Home Buyers' Guide
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At Homespire Mortgage, a national leader with trusted experience in the home loan industry, our primary focus is empowering you to meet your homeownership and financial goals through an unparalleled variety of products and services.
The purpose of this section is to explain how Homespire Mortgage protects and uses your personal information when and after you obtain financial products and services from us. We want you to know that information given to us is safe, secure and used in a responsible manner. To offer you all the greatest advantages as a Homespire Mortgage customer, we do share some of your personal information* with our investors and vendor companies.
We use advanced data-encryption and storage technology to protect your sensitive personal information. We implemented extensive administrative, technical and physical safeguards and quality controls.
Unlike many lenders, Homespire Mortgage has designed many features of our websites to let you anonymously explore home loan options and other helpful functions, without revealing your identity. The only information we collect is from similar devices, which provide limited data, such as the date, time and areas of our websites that were visited. This general information enables us to serve you better by continually improving our websites and making them more convenient. Only when you’re ready for one of our products or services do we ask for identifying information, so that we can quickly process your request. When you are asked to enter personal information on our website, our system automatically switches to a secure mode.
The following security features keep your data safe:
Over 25 years of home lending experience
In order to continue offering and recommending valuable financial products and services, we may share customer and former customer information within our investors.
Homespire Mortgage offers new home loans, home equity loans and lines of credit and many refinancing options
Homespire Mortgage transfers the majority of its loans and servicing rights to outside investors.
Pinnacle Settlement Services as well as many other loan closing companies offer title and escrow services, title insurance, credit reporting, home inspection, property appraisals and flood zone determinations
Homespire Mortgage also specializes in helping people who may not qualify for traditional loans with their financing needs
To make products and services available, often at substantial savings to you, we may prudently share some customer and former customer non-public personal information with our investors under an agreement requiring that the information be kept confidential and used only for those purposes. Our investors and business partners may have privacy policies which vary from those set forth herein.
In order to fund, sell and/or service your loan(s), comply with government regulations, improve our products and services and better understand your financial needs, we collect and maintain a range of customer and former customer data including non-public information:
We are periodically required to disclose some of this data to third parties, such as credit reporting agencies, federal and state regulators and loan investors, in order to do business with you. We may also share all of this information with companies that perform services on our behalf (such as our investors, title companies or vendors). These business partners contractually agree to keep the information confidential and not use it for any other purpose.
IMPORTANT: Homespire Mortgage respects the personal nature of e-mail communication. Every effort is made to offer only information or products that may be of value to you. If you do not wish to receive e-mails from Homespire Mortgage in the future, please email unsubscribe to email@example.com. Homespire Mortgage cannot provide absolute assurances that all e-mail transmissions (sent or received) are secure, error free, virus free, complete, properly delivered, or not intercepted or decrypted by others. Therefore, we advise against sending time sensitive or personal information (e.g. your Social Security Number, account numbers, etc.) over e-mail. To ensure we give you the best client service, we record and monitor your communications with us. This includes communications made by telephone, e-mail, chat, our website, etc.
Homespire Mortgage is an Equal Housing Lender and does not discriminate on the basis of race, color, religion, national origin, sex, marital status or age. All borrowers must qualify based on the ability to repay the debt per the underwriting and qualification requirement set forth by Homespire Mortgage. The government agency that we adhere to for compliance purposes under federal law is the Federal Trade Commission (FTC), Equal Credit Opportunity, Washington, DC 20580.
Homespire Mortgage is an Equal Housing Lender. Rates subject to change. Homespire Mortgage Corporation is a licensed mortgage lender. Massachusetts: Homespire Mortgage Corporation, Mortgage Lender License NMLS #183215; Pennsylvania: Licensed as a first Mortgage Banker by the Department of Banking and licensed pursuant to the Pennsylvania Secondary Mortgage Loan Act; Virginia: Homespire Mortgage Corporation, NMLS ID# 183215 (www.nmlsconsumeraccess.org). Homespire Mortgage Corporation Nationwide Mortgage Licensing System #183215. Restrictions may apply. Equal Housing Lender.
Homespire Mortgage 9711 Washingtonian Blvd., Suite 500, Gaithersburg, Maryland 20878