This Privacy Policy outlines how Adrian Webb Mortgage Advisors, herein "Company,"collects, uses, maintains, and discloses information collected from users (each, a “User”). This privacy policy applies to the Site and all products and services offered by theCompany.
We may collect personal identification information from Users in various ways, such as when Users visit our site, register, subscribe to newsletters, respond to surveys, fill out forms, and engage in other activities, services, features, or resources offered on our Site. Users may be asked to provide personal information such as their name, email address, and phone number. However, Users can visit our Site anonymously. We will collect personal identification information only if voluntarily provided by the User. Users can always choose not to provide personal information, although this may limit certain Site activities.
We may collect non-personal identification information about Users whenever they interact with our Site. This may include information such as browser name, type ofcomputer, operating system, and internet service provider used, as well as other technical details about the User’s connection to our Site.
Our Site may use cookies to enhance the User experience. A User’s web browser may store cookies on their hard drive for record-keeping purposes and to track information about them. Users may choose to set their web browser to refuse cookies or alert them when cookies are being sent. Please note that some parts of the Site may not function properly if cookies are disabled.
We do not share mobile information with third parties for marketing/promotional purposes as described in §5.1.4 of CTIA Messaging Principles and Best Practices. We may use the information we collect from Users for the following purposes:
By submitting your phone number on our site, you authorize us to send text messages and notifications. Message frequency may vary, and standard message/data rates may apply. To unsubscribe, reply STOP to any message sent by us.
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 complies with PCI vulnerability standards to ensure a secure environment forUsers.
Protecting the privacy of children is especially important. We do not collect or maintain information from those we know are under the age of 13, and no part of our website is designed to attract anyone under 13.
The Company reserves the right to update this privacy policy at any time. Any updates will be reflected by the revised date at the bottom of this page. We encourage Users to check this page regularly for updates to stay informed on how we are protecting their personal information. By continuing to use the Site, you accept any changes to this policy.
By using this Site, you signify your acceptance of this Privacy Policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following any changes to this policy will be deemed your acceptance of those changes.
We are committed to providing a website that is accessible to all our customers and compliant with accessibility guidelines. We are continuously improving our site to meet these standards. If you need assistance or have feedback regarding the accessibility of this site, please contact us.
Adrian Webb Mortgage Advisors is not endorsed by, nor acting on behalf of or at the direction of, the U.S. Department of Housing and Urban Development, Federal HousingAdministration, Veterans Administration, U.S. Department of Agriculture, or any other federal government agency. This material is for informational purposes only and does not constitute an offer to lend or recommend available products. This is not an advertisement to extend credit as defined by Regulation Z or an application for credit as defined by RESPA/Regulation X. All applications are subject to underwriting guidelines and approval based on credit, assets, property value, and the borrower’s ability to repay. Not all applications may qualify for all loan products. Terms, rates, and fees are subject to change without notice. Some loan products may not be available in all states. Please consult with one of our loan originators for more details.
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*This is not a commitment to lend. The borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, and hazard insurance. The borrower must maintain the home. If the borrower does not meet these loan obligations, then the loan will need to be repaid. Otherwise, the loan must be repaid when the last borrower passes away or sells the home. Prices, guidelines and minimum requirements are subject to change without notice. Some products may not be available in all states. Subject to review of credit and/or collateral; not all applicants will qualify for financing. It is important to make an informed decision when selecting and using a loan product; make sure to compare loan types when making a financing decision. This material has not been reviewed, approved or issued by HUD, FHA or any government agency. <COMPANY NAME> is not affiliated with or acting on behalf of or at the direction of HUD, FHA or any other government agency. To find a Reverse Mortgage counselor near you, search the HECM Counselor Roster at https://entp.hud.gov/idapp/html/hecm_ agency_look.cfm or call (800) 569-4287
Charges such as an origination fee, mortgage insurance premiums, closing costs and/or servicing fees may be assessed and will be added to the loan balance. The loan balance grows over time, and interest is added to that balance. Interest on a reverse mortgage is not deductible from your income tax until you repay all or part of the interest on the loan. Although the loan is non-recourse, at the maturity of the loan, the lender will have a claim against your property and you or your heirs may need to sell the property in order to repay the loan or use other assets to repay the loan in order to retain the property. You should know that a reverse mortgage is a negative amortization loan which means that your mortgage balance will increase while your home equity decreases if you do not make principle and interest payments on your loan. This may make it more difficult to refinance the loan or to obtain cash upon the sale of the home. However, you will never owe more than the home is worth when the loan is repaid.