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Legal Information

NOTICE

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS WEB SITE AND ANY PAGES THEREIN, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS WEB SITE, OR ANY PAGES THEREIN.

 

PRIVACY POLICY

We follow the strictest privacy guidelines to ensure that the information you provide to us remains confidential at all times. We take extreme precautions to ensure the safety of your personal information and data.

Our goal is to gather just enough information to process a home loan, render an approval decision, or market our products - and we collect most of this information from consumers through our call center, Web site, or as part of our application process. Occasionally we gather additional necessary information from public records, credit repositories , or approved business affiliates and partners.

We retain all information in-house except when required to share it with our partners as a necessary function of the lending process. Such partners include title and escrow companies, appraisal services, and to a limited extent, our business affiliates and partners. Freedom Mortgage Corporation does not sell or share customer information to unaffiliated parties.

The security of your personal information is our first priority at Freedom Mortgage Corporation. We have taken extraordinary measures to make sure that only authorized people see the information you send to us.

Your financial information is not kept on our web server, but on a different computer that is separated from the Internet. Even in the unlikely event that our web site is "hacked", your data will still remain securely out of reach.

Freedom Mortgage Corporation reserves the right to change, modify, add or remove portions of this Privacy Statement at any time, but will alert you that changes have been made by indicating on the Privacy Statement the date it was last updated.

FAIR LENDING
Freedom Mortgage Corporation conducts all lending activities in a manner consistent with federal and state fair lending laws. We treat all existing and prospective customers fairly and consistently throughout the loan lifecycle, without regard to any characteristic or basis prohibited by law.

Federal fair lending laws include the Fair Housing Act and the Equal Credit Opportunity Act. Other laws and regulations, including those at the state or local level, contain additional prohibited bases, including, for example, military and veteran status or sexual orientation.

Fair Housing Act

The Fair Housing Act (“FH Act”) is part of the Civil Rights Act of 1968. The FH Act expressly prohibits discrimination in every aspect of a residential real estate-related transaction, including the following:

  • Making loans to buy, build or repair a dwelling;
  • Purchasing real estate loans;
  • Selling, brokering or appraising residential real estate; or
  • Selling or renting a dwelling.

 

The FH Act prohibits discrimination based on any of the factors listed below:

  • Race or color;
  • Religion;
  • National origin;
  • Sex;
  • Handicap; or
  • Familial status (which prohibits discrimination against households having children under the age of 18 living with a parent or legal custodian, pregnant women or individuals with legal custody of children under 18).

 

Two additional factors are expressly prohibited when dealing with loans insured by the Federal Housing Administration (the “FHA”) and the properties providing security interests therefor. In 2012, the U.S. Department of Housing and Urban Development issued a rule that prohibits FHA-approved lenders from basing eligibility determinations for FHA-insured loans on actual or perceived sexual orientation or gender identity.

Equal Credit Opportunity Act

The Equal Credit Opportunity Act and its implementing Regulation B (together, “ECOA”) prohibit discrimination in any aspect of a credit transaction against any applicant based on any of the following factors:

  • Race or color;
  • Religion;
  • National origin;
  • Sex;
  • Marital status;
  • Age (provided the applicant is old enough and has the capacity to enter into a contract);
  • Receipt of income from any public assistance program; or
  • An exercise in good faith of a right under the federal Consumer Credit Protection Act or state law counterpart.

 

As a residential mortgage lender, FMC is subject to both the FH Act and ECOA.

State Law

Other laws and regulations, including those at the state or local level, contain additional prohibited bases, including, for example, military and veteran status or sexual orientation. An example is set forth below.

Massachusetts General Law

Massachusetts General Law, MGL Chapter 151B, prohibits the discrimination of mortgage applicants on the basis of gender identity, sexual orientation, genetic information, ancestry or handicap.

DISCLAIMERS
Freedom Mortgage Corporation is an equal housing lender. Interest Rates are subject to change. Interest rates are also subject to credit, income and property approval based on market guidelines. Other rates and terms are available. Contact us for details. Consult your accountant about tax deductions.

COPYRIGHT AND TRADEMARKS
All content used on this site is property of Freedom Mortgage Corporation. Any use of text, graphics, logos, icons, buttons, and software that is not for the exclusive objective of obtaining a mortgage loan from Freedom Mortgage is strictly prohibited.

All marketing materials online and offline are trademarks exhibited by Freedom Mortgage, including but not limited to the use of graphics, logos, images, and text; cannot be used in association or a relationship in connection with any other products or services except those presented by Freedom Mortgage.

LINKS
THIS WEB SITE MAY CONTAIN LINKS TO THIRD PARTY WEB SITES. FREEDOM MORTGAGE DISCLAIMS LIABILITY FOR: ANY INFORMATION, MATERIALS, PRODUCTS OR SERVICES POSTED OR OFFERED AT ANY OF THE THIRD PARTY WEB SITES LINKED TO THIS WEB SITE. By creating a link to a third party Web site, Freedom Mortgage does not endorse or recommend any products or services offered or information contained at the Web site, nor is Freedom Mortgage liable for any failure of products or services offered or advertised at those Web sites. Freedom Mortgage may remove any third party link at any time. Such third party may have a privacy policy different from that of Freedom Mortgage and the third party Web site may provide less security than this Web site. If you decide to visit a third party Web site via a link contained on Freedom Mortgage’s Web site, you do so at your risk.

COOKIES
In addition to the information you provide, Freedom Mortgage may also collect information during your visit to our website through our online tracking technologies, which include Web beacons, cookies, embedded Web links, and other information-gathering tools such as http://www.ibm.com/software/marketing-solutions/privacy/index.html. These tools collect certain traffic information that your browser sends to a website, such as your browser type and language, access times, and the address of the website from which you arrived . They may also collect information about your Internet Protocol (IP) address, click stream behavior (i.e. the pages you view, the links you click, and other actions you take in connection with HP websites or “powered by” websites) and product information.

When you browse or visit one of our websites, we may store certain information on your computer, in the form of a small text file or "cookie", and can help us to tailor our web site to your individual preferences and save you time if you visit the site again. Where specific programs associated with our website require a user ID and password, you have the option of requesting that we save your user ID and password so that you will not have to re-enter that information the next time you access the website. You can disallow cookies or prevent them from being set by making the appropriate selection from your browser options. However, if you set your browser options to disallow cookies, you may limit the functionality of our site.

This information allows us to measure site activity and to create ideas for improving our sites which may include the time and length of your visit, viewed web pages, previously visited websites, your internet service.

PORTAL TECHNOLOGY
Freedom Mortgage has enabled portal technology on its Web sites. To enable the use of the technology and personalize the site for your use, you will be required to register as a user with Freedom Mortgage. Freedom Mortgage will issue a user name and password to you. The user name and password belong to Freedom Mortgage and may be revoked or canceled by Freedom Mortgage at any time and without prior notice. You are responsible for maintaining the confidentiality of the user name and password. You are responsible for all activities that occur under your assigned user name and password.

This Web site and the portal may be used solely for conducting business with Freedom Mortgage such as paying your loan or viewing your account information, submitting applications and registering loans with Freedom Mortgage and other related services provided by Freedom Mortgage. Freedom Mortgage prohibits use of your user name and password and the use of its site for any other purpose.

Once you have a user name and password, portal technology enables you to customize the Web site for your use. You may have the ability to include Web links on your portal that will only be available to view under your user name. Many Web sites strictly limit the use of Web links without authorization. By including a Web link on the Freedom Mortgage portal, you represent and warrant that you have permission or authority from the third party Web site owner to create a Web link on Freedom Mortgage’s site to the linked Web site.