This Privacy Policy governs the manner in which Valor Home Mortgage collects, uses, maintains and discloses information collected from users (each, a “User”) of thehttps://www.valorhomemortgage.com/ website (“Site”). This privacy policy applies to the Site and all products and services offered by Valor Home Mortgage .

Valor Home Mortgage (VHM), a Georgia entity, is not a government agency and has no affiliation with the United States Department of Veterans Affairs or any government agency.

Valor Home Mortgage is a Fair and Responsible Licensed Lender & Mortgage Broker

Valor Home Mortgage (VHM) is committed to lending fairly. We comply with fair lending laws, such as the Equal Credit Opportunity Act, the Fair Housing Act, and the Home Mortgage Disclosure Act. We require annual fair lending training of all of our employees. And we strive every day, and in many different ways, to make sure that everyone has a positive experience with our company.

Non-discrimination is an integral part our company ethic. We proudly serve the heroes of our nation without bias, from the beginning of the loan process to the end. For example:

We encourage loan applications – we do not discourage individuals based on race, color, religion, national origin, marital status, age, sex, sexual orientation, disability, familial status, receipt of public assistance, or whether an individual has exercised in good faith any right under a consumer protection law.
We make credit decisions based on defined guidelines for safe, sound lending and consistent credit parameters – applicants in similar financial situations will have similar outcomes at VHM.

We continue to treat borrowers fairly once their loans have closed – we do not apply default remedies discriminatorily.

We market ourselves honestly. We adhere to marketing rules, including those that address unfair or deceptive practices. We ensure that we provide clear, honest and accurate information to our customers and to the public. We do not want to bring customers in under false pretenses. We attract customers by providing them with an accurate understanding of what products we offer and how we do business.

We treat customers fairly and take their concerns seriously. We are passionate about making our customers happy so we take customer service very seriously. We understand that sometimes a customer will have a problem, concern or question about his or her loan or experience with our company. Our Leadership Team is dedicated solely to resolving these issues promptly and to the customer’s satisfaction. The Valor Team’s approach: Respond quickly, listen carefully, thoroughly investigate and, in the end, deliver the right solution for the customer.

The bottom line? VHM understands that fair lending is what is right, both for our customers and for our company. We are committed to complying with both the letter and the spirit of fair lending rules. Our Client Advocate Team, in cooperation with our Legal and Compliance Departments, is ready to answer any individual customer questions (833) 878-3837 or legal@valorhomemortgage.com).

Licenses:

Valor Home Mortgage is currently licensed to originate mortgage loans in the following states:

Georgia Residential Mortgage License, Mortgage Lender License: # 68472

Colorado Mortgage Broker: License # 1904516, regulated by the Division of Real Estate

Florida Mortgage Broker: License # MBR3348, issued by the Florida Office of Financial Regulation

Pennsylvania Mortgage Broker: License # 100305, issued by the Department of Banking

South Carolina Mortgage Broker: License # 1904516, issued by the State Board of Financial Institutions

Virginia Mortgage Broker: License # 1904516, issued by the Bureau of Financial Institutions

NMLS #1904516 (www.nmlsconsumeraccess.org)

Personal identification information

We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, register on the site, subscribe to the newsletter, respond to a survey, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, phone number. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.

Non-personal identification information

We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.

Web browser cookies

Our Site may use “cookies” to enhance User experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.

How we use collected information

Valor Home Mortgage may collect and use Users personal information for the following purposes:

To improve customer service
Information you provide helps us respond to your customer service requests and support needs more efficiently.
To personalize user experience
We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site.
To improve our Site
We may use feedback you provide to improve our products and services.
We may use the information Users provide about themselves when placing an order only to provide service to that order. We do not share this information with outside parties except to the extent necessary to provide the service.
To share your information with third parties
We may share or sell information with third parties for marketing or other purposes.
To run a promotion, contest, survey or other Site feature
To send Users information they agreed to receive about topics we think will be of interest to them.
To send periodic emails

If User decides to opt-in to our mailing list, they will receive emails that may include company news, updates, related product or service information, etc.

If at any time the User would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email or User may contact us via our Site.

With Whom We May Share The Information We Collect

In addition to the uses mentioned or described elsewhere in this Privacy Policy, we may catalog and add Collected Information to our database which may be shared with our affiliates.

We do not sell, rent, or lease our user lists or the identity of individual users to third parties, except as permitted or required by applicable law. However, we may use and disclose certain aggregated, anonymized information, such as System usage data, to our trusted business partners. Such information may also be shared as permitted or required by applicable law.

We may also disclose Collected Information if we become subject to a subpoena or court order, or if we are otherwise legally required to disclose information. We may also use and disclose Collected Information to establish or exercise our legal rights, to assert and defend against legal claims, or if we believe such disclosure is necessary to investigate, prevent, or take other action regarding actual or suspected illegal or fraudulent activities or potential threats to the physical safety or well-being of any person.

As we grow and develop our business, it is possible that our corporate structure or organization might change or that we might merge or otherwise combine with, or that portions of our business might be acquired by, another company. In any such transactions, customer information generally is, and should be expected to be, one of the transferred business assets. Also, if any bankruptcy or reorganization proceeding is brought by or against us, your information may be considered a company asset that may be sold or transferred to third parties.

How we protect your information

We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.

Our Site is in compliance with PCI vulnerability standards in order to create as secure of an environment as possible for Users.

Third party websites

Users may find advertising or other content on our Site that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website’s own terms and policies.

Social Media Platforms and Websites

Any Submission that you submit to any of our pages contained on a social media platform or website by e-mail, posting, messaging, uploading, or otherwise is done at your own risk and without any expectation of privacy. We cannot control the actions of other users of a social media platform and we are therefore not responsible for any Submissions contained on a social media platform or website. We encourage you to review the applicable privacy policy and terms of use of any such social media platform or website prior to making any such Submissions.

Authorization to Release Information & Make Contact

You hereby agree to grant permission for Valor Home Mortgage to obtain all information deemed necessary to process your mortgage loan application. This information includes, but is not limited to, your past and present employment status, your deposit accounts, your past and present consumer credit record, your mortgage record and/or your rental record. By applying for a loan online, you agree to accept all applicable disclosures associated with this transaction in an electronic form, including disclosures required by the Truth in Lending Act, Real Estate Settlement Procedures Act and Equal Credit Opportunity Act. Paper copies will be provided to you for certain real estate related transactions after your loan application is received.

We take your privacy seriously. You are providing express “written” consent to share your information with Valor Home Mortgage and/or its affiliates which may attempt to reach you through automated means; e.g. autodialing, text and pre-recorded messaging via telephone, mobile device (including SMS and MMS – charges may apply) and/or email, even if your telephone number is currently listed on any internal, corporate, state, federal or national Do-Not-Call (DNC) list.

Job Applicants

Any personal information you provide to us when applying for a job position with us will be used solely to consider and act upon your application. We may retain your personal information for a period of time, but only for as long as necessary for such purposes. We may disclose your personal information to our agents for the purpose of evaluating your qualifications for the particular position you applied for, or other available positions. We may also disclose your personal information to third parties hired by us to collect, maintain, and analyze candidates for job positions.

Compliance with children’s online privacy protection act

Protecting the privacy of the very young is especially important. For that reason, we never collect or maintain information at our Site from those we actually know are under 13, and no part of our website is structured to attract anyone under 13.

Your Choices Regarding Our Privacy Practices

When submitting information, corresponding, making requests for information, and otherwise interacting with us and our representatives through or in connection with the System, including by utilizing the Services, you choose what information to supply or submit, whether you wish to receive further information, and how you may be contacted. Please take care to share only such information as is needed or that you believe is appropriate. Any promotional email we send to you will contain a link which will allow you to opt out of receiving any further correspondence.

Changes to this privacy policy

Valor Home Mortgage has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

Your acceptance of these terms

By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.

Contacting us

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us at:

Valor Home Mortgage LLC
116 Red Bluff Circle
Rincon, GA 31326
(833) US-VETERAN | Info@ValorHomeMortgage.com
This document was last updated on 11/06/2022