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MortgageRight Privacy Policy and Legal Information

All loans are subject to credit approval.

Rates and fees are subject to change.

Mortgage financing provided by MortgageRight

NMLS ID # 2239 (www.nmlsconsumeraccess.org)

Equal Housing Lender.

© 2020 MortgageRight

Privacy Policy for Customers – Website Privacy Policy

Visitors to the MortgageRight 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:

IP address

Date and time our site was accessed

Web browser used

City, state and country

We may use this information to create summary statistics and to determine the level of interest in information available on our site. If visitors elect to provide us with personal information via email, online registration forms or our guest book, this information may be used internally to handle the sender’s request. It is not disseminated or sold to other organizations. Some areas of our website may use a “cookie” temporarily stored in the visitor’s computer memory (RAM) to allow the web server to log the pages the visitor uses within the site and to know if the site has been previously visited.

Sharing with Non-Affiliated Companies

Occasionally we may share customer information with companies who 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, retailers, non-profit organizations, and financial service providers such as insurance, payment or data processing or check printing companies, retailers, non-profit organizations, etc. These companies assist us in completing and maintaining your service requests, processing your transactions, or mailing account statements. We confirm each company is contractually obligated to maintain our customer’s confidentiality, 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 allows you the opportunity to limit the sharing of “non- experience” information within MortgageRight. This 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 to only your transactions or other communications with us. Examples include data contained in an application such as assets or income or a consumer credit report. If you prefer we not share “non-experience” information within MortgageRight, you may exercise the opt out provision below. If you opt out of our sharing “non- experience” information with the MortgageRight we may still share information without affiliates that relate solely to your transactions or communications with us disclosed in our Privacy Policy.

Completing Online Forms

MortgageRight has programs in place to protect completed online forms, such as an online mortgage application. The information you supply is encrypted and then decoded to begin processing when it arrives to MortgageRight. You can look for features in your web browser that will provide you assurance that your information is protected if you would like to feel more secure. 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, it will read https:// at the beginning of the URL. The addition of the “s” means the site you are visiting is secure, https://.

Emailing

Please keep in mind the security settings from which you are transmitting when emailing MortgageRight contacts. Messages emailed from outside providers cannot be guaranteed, though the information in emails we share within our organization are guarded and secure. When communicating with MortgageRight contacts, be sure to send only confidential information from secure email services. This includes account numbers, social security numbers, etc… You may use our secure online document upload feature, visit our office location or send personal documents through the US postal service if you are not sure of the security settings of your email.

Home Mortgage Disclosure Act

The Home Mortgage Disclosure Act, enacted by Congress in 1975, legislates the reporting of loan data by lending institutions. This includes geographic distribution of applications and loans: race, sex, ethnicity, and income of borrowers and applicants, and information about loan denials and approvals. This data is reported by the lending institutions on the first of March for applications and loans of the previous year. Lenders need to have the information available within 30 days of the request but not earlier than March 31st, if requested. To receive a copy of these data send a written request to:

MortgageRight

Compliance Department

1 Perimeter Park South

Suite 230 South

Birmingham, AL 35243

The Federal Equal Credit Opportunity Act

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of color, race, 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 applicant’s income derives from any public assistance; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Security Policy

MortgageRight places a high priority on protecting your confidential and personal information. We make every effort to protect the information you provide us, no matter how we receive it.

Linking Outside of the MortgageRight Website

MortgageRight is not held responsible for any content or information 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.

Licensed By:

ALABAMA

MortgageRight One Perimeter Park South, Suites 130 & 230, Birmingham, AL 35243 NMLS ID #2239 (www.nmlscomsumeraccess.org)

Alabama Consumer Credit License/Registration (MortgageRight) #21435

Alabama Mortgage Brokers License (Albertville, AL Branch) #1863801

Alabama Consumer Credit License (Auburn, AL Branch) #1759490

Alabama Consumer Credit License (Huntsville, AL Branch) #21435.005 Branch ID 1800543

Alabama Consumer Credit License (Tuscaloosa, AL Branch) Branch ID 1858331

ARKANSAS

AR Combination Mortgage Banker – Broker – Servicer License (MortgageRight)

609 SW 8th Street; Bentonville, AR 72712 – NMLS Lic. #101262 (Branch ID 196846)

AR Combination Mortgage Banker – Broker – Servicer License /Registration #42880

Arkansas Combination Mortgage Banker-Broker-Servicer License (Atlanta, GA Branch) - #111929

CALIFORNIA

California – DBO Residential Mortgage lending Act License (MortgageRight) – License Number #41DBO-80076

California – DBO Residential Mortgage Lending Act License Huntington Beach Branch) – #41DBO-95836

California - DBO Residential Mortgage Lending Act license (Atlanta, GA Branch) – #41DBO-83971

California – DBO Residential Mortgage Lending Act License (Chattanooga, TN Branch) – 41DBO-82944

COLORADO

Colorado Mortgage Lender License/Registration (MortgageRight) #2239

FLORIDA

Florida Mortgage Lender License Registration (MortgageRight) #MLD1194

Florida Mortgage Broker License/Registration #MBR786

Florida Mortgage Lender Branch License/Registration (Kennesaw, GA Branch approval) #MLDB3457

Florida Mortgage Lender Branch License/Registration (Atlanta, GA Branch approval) #MLDB3328

Florida Mortgage Lender Branch License (Auburn, AL Branch approval) #MLDB9247

Florida Mortgage Lender Branch License (Naples, FL Branch) #MLDB7434

GEORGIA

Georgia Mortgage Lender License/Registration (MortgageRight) #31656

Georgia Mortgage Branch Approval – Kennesaw, GA 1 Branch – NMLS Branch ID #1743555

Georgia Mortgage Branch Approval – Atlanta, GA Branch – NMLS License/Registration #74482 | Promenade II, 1239 Peachtree Street NE, 19th Floor, Atlanta, GA 30309

Georgia Mortgage Branch Approval – Alpharetta, GA Branch – NMLS Branch ID #1767928

ILLINOIS

Illinois Residential Mortgage License (MortgageRight) #MB 6761352

INDIANA

Indiana-DFI Mortgage Lending License (MortgageRight) #38811

KENTUCKY

Kentucky Mortgage Company License/Registration (MortgageRight) #2239

LOUISIANA

Louisiana License/Registration (MortgageRight) #2239

Louisiana Mortgage Branch License/Registration (Atlanta, GA Branch) #na

Louisiana Mortgage Branch License/Registration (Kennesaw, GA Branch) #na

Louisiana Mortgage Lender License/Registration (Kennesaw, GA Branch) #na

Louisiana Mortgage Branch License/Registration (Atlanta, GA Branch) #na

Louisiana Mortgage Branch License/Registration (Kennesaw, GA Branch) #na

MARYLAND

Maryland Mortgage Lender License/Registration (MortgageRight) #22001

Maryland Mortgage Lender License (Kennesaw, GA Branch) #22141

Maryland Mortgage Lender License/Registration (Kennesaw, GA Branch) #22141

Maryland Mortgage Lender License (Atlanta, GA Branch) #22618

Maryland Mortgage Lender License (Kennesaw, GA Branch) #22141

Maryland Mortgage Lender License (Atlanta, GA Branch) #22618

Maryland Mortgage lender License (Bellevue, WA Branch) #06-23662

MICHIGAN

Michigan 1st Mortgage Broker/Lender License (MortgageRight) License Number #FL0020703

MINNESOTA

Minnesota Residential Mortgage Originator License #MN-MO-2239

MN Residential Mortgage Originator License Other Trade Name #1(MortgageRight) #MN-MO-2239-1

MISSISSIPPI

Mississippi Mortgage Lender License/Registration (MortgageRight) #2239

Reverse Mortgage Disclosure

These materials are not from HUD or FHA and were not approved by HUD or a government agency. (ML 2014-10)

Licensed by the Mississippi Department of Banking and Consumer Finance

NMLS ID # 2239 (www.nmlsconsumeraccess.org)

NEW HAMPSHIRE

New Hampshire Mortgage Banker License #23018-MB

NEW JERSEY

New Jersey Residential Mortgage Lender - State Does Not Issue License Number

NORTH CAROLINA

North Carolina Mortgage Lender License 9 (MortgageRight) License Number #L-163799

North Carolina Mortgage Branch License (Kennesaw, GA Branch) #L-163799-102

North Carolina Mortgage Branch License (Chattanooga, TN Branch) #L-163799-104

North Carolina Mortgage Branch License (Kennesaw, GA Branch) #L-163799-102

North Carolina Mortgage Branch License (Chattanooga, TN Branch) #L-163799-104

North Carolina Mortgage Branch License (Fort Mill, SC Branch) #L-163799-108

OHIO

Ohio Residential Mortgage Lending Act Certificate of Registration (MortgageRight) License number #RM 5020860000

OREGON

Oregon Mortgage Lending License (MortgageRight) License Number #ML-5703

Oregon Mortgage Lending Branch License (Huntington Beach, CA Branch) #ML-5703-1

PENNSYLVANIA

Pennsylvania Mortgage Lender License (MortgageRight) License Number #68232

SOUTH CAROLINA

South Carolina License/Registration (MortgageRight) #2239

South Carolina – BFI Mortgage Lender / Servicer License – Other Trade Name #1 – MLS_2239 OTN #1

South Carolina – BFI Branch Mortgage Lender/Servicer – MLB – 1817399

South Carolina – BFI Branch Mortgage Lender/Servicer – Other Trade Name #1 – MLB – 1817399 OTN #1

SC – BFI Branch Mortgage Lender/Servicer – Branch ID #1817399 – License Number #MLB-1817399

SC – BFI Branch Mortgage Lender/Servicer – Other Trade Name #1 – Branch ID #1817399 – Licesnse Number MLB – 1817399 OTN #1

TENNESSEE

Tennessee Mortgage Branch Authorization #1307263

Tennessee Mortgage Branch Authorization License/Registration #1497204 | 800 Market Street, Suite 100 Chattanooga, TN 37402 #108919-104

Tennessee Mortgage Branch Authorization License/Registration #1132663 | 7506 East Brainerd Rd. Chattanooga, TN 37421 #108919-101

Tennessee Mortgage Branch Authorization License/Registration #1497200 | 141 N. Martinwood Knoxville, TN 37402 #108919-105

Tennessee Mortgage Branch Authorization License/Registration (Kennesaw, GA Branch) #108919-103

Tennessee Mortgage Branch Authorization License/Registration (Atlanta, GA Branch) #108919-102

Tennessee Mortgage Branch Authorization License/Registration (Huntsville, AL Branch) #108919-110

TEXAS

Texas – SML Mortgage Company License (MortgageRight) #2239

Texas – SML Mortgage Company Branch License (Kennesaw, GA Branch) #1307263

Texas Mortgage Company Branch License/Registration #1349176 | 4444 Corona Drive, Suite 206-B, Corpus Christi, TX 78411 (Corpus Christi Branch) Branch ID #1349176

Texas – SM Mortgage Company Branch License (Atlanta, GA Branch) #1285851

Texas – SML Mortgage Company Branch License (Kennesaw, GA Branch) #na

Texas – SML Mortgage Company Branch License (Atlanta, GA Branch) #na

Texas – SML Mortgage Company Branch License (Corpus Christi, TX) Branch ID #1349176

Texas Mortgage Company Disclosure Figure: 7 TAC §80.200(b)

“CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A 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 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.”

VIRGINIA

Virginia Broker License (MortgageRight) License ID #MC-5923

Virginia Lender License (MortgageRight) License ID #MC-5923

Virginia Branch License (Kennesaw, GA Branch) #MC-5923 Lic. 1307263

Virginia Branch License (Kennesaw, GA Branch) #MC-5923

Virginia Branch License (Atlanta, GA Branch) #MC-5923

Virginia Branch License (Atlanta, GA Branch) #MC-5923 Lic. 1285851

WASHINGTON

Washington WA Consumer Loan Company License (MortgageRight) NMLS #2239

Washington Consumer Loan Branch Office License (Lynnwood, WA Branch) #CL-1747463

Washington Consumer Loan Branch Office License (Bellevue, WA Branch) #CL-1786462