Privacy Policy

Mortgage-Loan-Solutions.com^® respects your privacy. We want you to know exactly what information is gathered and how it used. The following privacy statement discloses the privacy practices for Mortgage-Loan-Solutions.com.

If you have questions or concerns regarding this statement, you should first contact the Mortgage-Loan-Solutions.com^® site coordinator at 949-307-3729 or e-mail him at webmaster@mortgage-loan-solutions.com

Your Privacy is Important to Us. At Mortgage-Loan-Solutions.com, your privacy is our chief concern. We understand that you entrust us with your private financial information to help us match you with a bank, lender or loan broker (we refer to all of these as "Lenders") or real estate professional who can meet your needs. In exchange for your trust, you expect and deserve our commitment to treat your information with respect. Rest assured that we protect your privacy. Under no circumstances will Mortgage-Loan-Solutions.com sell or share any personal information about you to or with any person or organization except: as authorized by you, to participating lenders, real estate professionals or other parties involved in your transaction, or as may be required by law or court order. The Privacy Policy below describes the standards we adhere to in handling information about you and your loan request.

We want you to be aware of:

Who we are
Information we may collect on a Mortgage-Loan-Solutions.com^® site
How your information is used
Altering the information you submit through a Mortgage-Loan-Solutions.com Web site
How our Privacy Policy is monitored

1. Who We Are. Mortgage-Loan-Solutions.com is the leading online lending marketplace that connects consumers to Lenders that compete for their business across a variety of loan types. There are more than 1400 participating banks and Lenders on the Mortgage-Loan-Solutions.com Exchange. Mortgage-Loan-Solutions.com also maintains a nationwide network of real estate professionals that the Company matches with consumers in the process of buying or selling a home. More details…

2. Information We Collect. There are several areas on a Mortgage-Loan-Solutions.com site where you may be asked to enter both personal and non-personal information. We DO NOT sell or share any personal information about you to or with any person or organization except: as authorized by you, to participating Lenders, real estate professionals or other parties involved in your transaction, or as may be required by law or court order.

Information we receive from you on loan or realty requests. When you come to a Mortgage-Loan-Solutions.com^® site to complete a qualification form you'll need to provide personal and financial information such as your name, phone number, Social Security Number, e-mail address, income and other financial information depending upon your expressed loan or real estate referral preference. More details…
Supplementary information for your loan or realty request. When you complete a loan or realty request at a Mortgage-Loan-Solutions.com^® site, it may be necessary for us to supplement the information you provide with information from third party sources. More details…
Information we collect when you use the Mortgage-Loan-Solutions.com^® Home Value Estimation. Mortgage-Loan-Solutions.com and our authorized partners may collect information from you through our Home Value Estimation Plus service. Participation in this service is completely voluntary and it is your choice whether or not you wish to disclose your personal information to us. More details…
Technical information we collect. In order for us to ensure that we are providing the best possible consumer experience on a Mortgage-Loan-Solutions.com Web site, we collect and track certain user information. More details…
Information from surveys. You may complete a survey from Mortgage-Loan-Solutions.com online. Participation in surveys is completely voluntary and it is your choice whether or not you wish to disclose your personal information to us. More details…
Information from the "Contact Us" section of a Mortgage-Loan-Solutions.com Web site. You may contact Mortgage-Loan-Solutions.com through the "Contact Us" feature. Participation in this area is completely voluntary and it is your choice whether or not you wish to disclose your personal information to us. More details…
Information gathered from Lenders. The "Lenders" section of our Web sites contain information for Lenders who wish to join The Mortgage-Loan-Solutions.com^® Network or license our LendererLeaderBoard technology. More details…
Information gathered from Real Estate brokers. The "Real Estate Network" section of our Web sites contain information for Real Estate brokers who wish to join the Mortgage-Loan-Solutions.com Realty Services Network. More details…
Information gathered from the "Affiliates" section of a Mortgage-Loan-Solutions.com Web site. The "Affiliates" section contains information for affiliates who wish to join the Mortgage-Loan-Solutions.com Affiliate Program and advertise Mortgage-Loan-Solutions.com's services on their site. If you would like to be an affiliate, you may submit an application containing personal information such as your name, e-mail address, telephone number and address. If you use Mortgage-Loan-Solutions.com^®'s service through an affiliate site, under no circumstances will an affiliate ever see your information. More details…
Information collected from the "Calculators" section of our site. Mortgage-Loan-Solutions.com makes several resources available to you to help you complete a qualification form. One of these resources is the "Calculators" section of our site. We do not collect any personal data you may input into to any calculators on our site.
Information we collect when you apply for a job at Mortgage-Loan-Solutions.com. Mortgage-Loan-Solutions.com may collect information from job applicants via the "Employment Opportunities at Mortgage-Loan-Solutions.com" feature. Participation in this area is completely voluntary and it is your choice whether or not you wish to disclose your personal information to us. More details…

3. How your information is used. We use the information you provide on your loan or realty request to match you with up to four participating Lenders, real estate professionals or authorized agents. We may also send your information to other third parties relevant to your transaction. Lenders will also receive your credit history when they review your request. Mortgage-Loan-Solutions.com may also share certain aggregated data with our Lenders and other third parties for general marketing and demographic purposes; however, this data DOES NOT include any of your personal identifying information.

Sharing information with our participating Lenders and real estate professionals. At your direction (when you click on the "Submit" button), the information that you provide to us on the loan or realty request will be sent through the Mortgage-Loan-Solutions.com system and presented to the most appropriate lenders as determined by our financial advisors. They may or may not be affiliated with Mortgage-Loan-Solutions.com^®. We do however give when a participating lender who offers the types of loan products you have identified, other parties relevant to your transaction and/or participating real estate professionals. Lenders will also receive your credit history when they review your request. As our Lenders and real estate professionals may keep and use your information whether or not you qualify for a loan with them or use their services, we recommend that you contact them directly for more information about their specific privacy policies. More details…
Sharing information with third parties. We may also act as an agent for our participating Lenders and real estate professionals, sharing information on their behalf and pursuant to their instructions with providers of services related to your transaction. In addition, Mortgage-Loan-Solutions.com^® may notify you about a special offer from one of our promotional partners. We do not reveal your name, address or any other identifying information to that promotional partner unless you request us to do so. More details…
Sharing information with authorized agents. At your direction (when you click on the "Submit" button), the information you provide to us on the loan or realty request will be sent through the Mortgage-Loan-Solutions.com system and may be presented to our authorized agents. Our authorized agents do not sell or share your personal information with any person or organization.

4. Altering Information You Submit Through a Mortgage-Loan-Solutions.com Web Site. Mortgage-Loan-Solutions.com puts you in control of your experience on our Web sites. You'll find our sites easy to navigate to find all the information you need to complete your transaction.

Changing your information. You may be able to review and change personal information in an active loan or realty request that you completed through Mortgage-Loan-Solutions.com online. If you are unable to complete this online, you may contact our Customer Care Department for assistance. More details…
Deleting your information. Federal and state regulations require that we store completed loan and real estate requests for various periods of time. In order to comply with these regulations, we cannot delete information from our databases. More details…
Request to stop receiving emails from us. Periodically, Mortgage-Loan-Solutions.com may send you emails to alert you to money saving tips or special offers. If you do not wish to receive any of these offers, please visit our contact form where you can request to have yourself removed our mailing list If you receive additional e-mails feel free to call 1-949-307-3729 and ask to talk to customer service.

If you have questions or concerns regarding this statement, you should first contact our Customer Care Department.

If we make a change to our Privacy Policy in the future that will affect how we treat your information, we will notify you of the change. In that case, your ability to opt out of the new policy will be determined by applicable laws and we will include that information in our notification. If the change impacts how we use your information, we will notify you even if you have requested that we not contact you.

More Details

1. Who We Are. When you visit a Mortgage-Loan-Solutions.com^® site to request a loan, you will complete one simple loan or realty request. Based on the information you supply, Mortgage-Loan-Solutions.com will transmit your data to participating lenders who are best suited to meet your financial needs. When you request the services of a real estate professional through a Mortgage-Loan-Solutions.com site, we will transmit your data, including your credit history, to participating real estate brokers to complete your transaction.

2. Information We Collect.

Information we receive from you on loan or realty requests. Some of the information you supply to us on the loan or realty request may be optional. If you supply this information, it will not be sold or shared to or with any person or organization except: as authorized by you, to participating Lenders, real estate professionals or other parties involved in your transaction, or as may be required by law or court order.

Supplementary information for your loan or realty request. In order for us to match you with participating Lenders and real estate professionals, we may need to obtain additional data. For example, we may use your name and Social Security Number to request a credit report to help us determine which lenders are best suited to compete for your business.
Technical information we collect. When you visit a Mortgage-Loan-Solutions.com^® site, our Web server sends a cookie to your computer. This cookie merely stores a limited amount of information about your site visit. The cookie merely tracks aggregate information on how our site is being used, including session counts, navigation patterns, pages visited, etc. These cookies, however, do not store any personally identifiable information such as your name, email address, phone number, etc. as you browse the site. These cookies cannot be related to you as an individual unless you complete a loan or realty request.

When you complete a loan or realty request, we store your cookie identification in our system. If you request that we remember you during a loan or realty request, we use this cookie to allow our site to recognize you when you return.

Mortgage-Loan-Solutions.com^® also utilizes Web Logs to track aggregate information about how our site is being used. Web Logs track anonymous user information, including the number of visitors to our site, operating systems, Internet Provider addresses (if publicly available), and browser type. Unlike cookies, Web Logs are maintained only on Mortgage-Loan-Solutions.com servers and do not store or place anything on the user's computer.

If you come to the Mortgage-Loan-Solutions.com^® site from an online banner ad, an anonymous identification number may be passed to our site. This information cannot be used to gather any personally identifiable information about you. It will only allow us to track the overall effectiveness of our online advertising campaigns. Our partners in this program are listed below, along with links to their sites to access privacy policies and opt-out information.
Information from surveys. Every survey presented to you will include specific instructions regarding how your information may be shared. By clicking the "Submit" button at the end of the survey, you authorize Mortgage-Loan-Solutions.com to share your data in the manner outlined on the survey.
Information from the "Contact Us" section of a Mortgage-Loan-Solutions.com Web site. In the "Contact Us" form, we may ask you for personally identifiable information such as your name, mailing address, email address, etc. This information will not be sold to any person or organization. However, your information may be shared with other parties relevant to your transaction to help resolve any issues you report to us.
Information we collect when you use Mortgage-Loan-Solutions.com Privileges. When you use our Privileges program, we may ask you for personally identifiable information such as your name, mailing address, email address, etc. The Mortgage-Loan-Solutions.com Privileges is produced with partners who will only use the information to provide the Privileges services and benefits. This information will not be sold or shared with any person or organization for marketing purposes.
Information gathered from Lenders. If you are a Lender and you submit one or both of the forms requesting more information, your name and other identifying information will not be sold or shared with any person or organization. Your e-mail address or telephone number may be used by authorized Mortgage-Loan-Solutions.com employees to contact you concerning your request.
Information gathered from Real Estate brokers. If you are a Real Estate broker and you submit the form requesting more information, your name and other identifying information will not be sold or shared with any person or organization. Your e-mail address or telephone number may be used by authorized Mortgage-Loan-Solutions.com employees to contact you concerning your request.
Information gathered from the "Affiliates" section of a Mortgage-Loan-Solutions.com^® site.. If approved, we will use your e-mail address to inform you of Affiliate Program news and updates. You may withdraw your membership from the Affiliate Program at any time by sending an e-mail to affiliates@fcclending.com. If you choose to withdraw, you will not receive any further e-mails regarding the Affiliate Program. If you come to a Mortgage-Loan-Solutions.com site through an affiliate site, Mortgage-Loan-Solutions.com^® will never sell or share your information with that, or any other, affiliate. All transactions take place on Mortgage-Loan-Solutions.com^®'s servers.
Information we collect when you apply for a job at Mortgage-Loan-Solutions.com. When you apply for a job through a Mortgage-Loan-Solutions.com^® site, we may ask you for personally identifiable information such as your name, mailing address, email address, etc. This information will not be sold or shared with any person or organization. All data collected will be used for the purposes of evaluating your application for employment. Your e-mail address or telephone number may be used by authorized Mortgage-Loan-Solutions.com employees to contact you concerning your application.

3. How your information is used.

Sharing information with our participating Lenders and real estate professionals. After the most appropriate participating or non-participating Lenders and/or real estate professionals receive your information, they may contact you directly via phone, e-mail or other communications. All Lenders and real estate agents operate under federal and/or state laws and regulations. We strive to make the Internet an exciting and secure place to do business. If you are matched with any participating Lenders, the Lender with which you choose to close your loan and/or obtain your credit card will report certain information about your loan and/or credit card to Mortgage-Loan-Solutions.com^®, and Mortgage-Loan-Solutions.com^® will treat that information in the manner it treats the information you provided on your loan or realty request. As our Lenders and real estate professionals may keep and use your information whether or not you qualify for a transaction with them, we recommend that you contact them directly for more information about their specific privacy policies.
Sharing information with third parties. Following is an example of how Mortgage-Loan-Solutions.com may act as an agent for our participating Lenders and real estate professionals. A Lender may instruct us to share information with an appraiser to prepare an appraisal of the property to be mortgaged, with a flood certification provider to determine whether the property lies in a flood plain, or with a prospective secondary market purchaser of the mortgage loan the lender may make. In such situations, we will be acting on behalf of the Lender, under the authority of the Lender's privacy policy, a copy of which you will receive from the Lender. All of the information-sharing we do as agent for the Lender would be permissible under applicable federal law for the Lender to do directly.

From time to time, Mortgage-Loan-Solutions.com may notify you about a special offer from one of our promotional partners. At your request, Mortgage-Loan-Solutions.com will not send you any information or offers unrelated to your request for financing. If you do not wish to receive any of these offers, please visit our Contact Page and request to remove yourself from our mailing list. In the event you continue to receive e-mail call us at 949-608-3845 and ask for customer support.

4. Altering Information You Submit Through a Mortgage-Loan-Solutions.com Web Site.

Changing your information. If you want to change the type of loan or make other significant changes to your loan or realty request, you might need to make another request through our Web site. If you wish to change your subscriptions to Mortgage-Loan-Solutions.com^® emails, you can visit our Contact Page.

If you have questions or concerns regarding this statement, you should first contact us through our Contact Page.

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS