Privacy Statement

We are committed to safeguarding your privacy. Please read the following policy to understand how your personal information will be treated as you use our services. This policy is provided to you as required by the federal Gramm-Leach-Bliley Act (15 U.S.C. §§ 6801 et seq.) and the appropriate regulations and guidelines thereunder.

What Cookies Are and How They Are Used

Most of the information we need to know we collect from you. We also may need to obtain information about you and the proposed transaction from other sources such as consumer reporting agencies, your employer, your bank, and others to make sure that the information is complete and correct.  Additionally, when you browse or visit our website, we may store certain information such as the type of device and browser you are using, the IP address of your device, and additional information associated with your device.  This information,  or “cookies”, facilitates website navigation, tailors the website to your individual preferences, and saves you time when you return to the homeloanexpert.com website. For example, if a program on the website requires a user ID and/or password, you may have the option of requesting that we save your user ID so you won’t have to enter it the next time you visit the website.  A cookie accomplishes this.  Cookies, tags and other technologies provide homeloanexpert.com with the capability to monitor the use of our website so we can continually improve the design and functionality to better serve you. Cookies do not contain or capture unencrypted personally identifiable information. 

We also provide certain widgets or tools on our sites, such as tools that allow web surfers to easily share information on another platform, such as a social media platform. At other times, information from a third party may be embedded on our site, such as a map or information streaming from another site, including communications streaming from a third party social media platform. These widgets, tools, and informational items often function through the use of third party cookies utilized by the third party site, such as the social media platform. You may wish to review information at third party sites, such as social media platforms where you have an account, to determine how these third parties treat data that they obtain through the use of cookies.

The Security We Use to Protect Your Information

We use SSL (Secure Sockets Layer) technology to protect all data transmitted between browsers and our servers. In order to use the site, users are required to be running an SSL-capable browser.

What Information We Collect From You

We collect various types of personal information about you during the normal course of offering and providing real estate and/or mortgage services. This includes but is not limited to: Information you provide in order to purchase a home and/or obtain a home loan including your name, phone number, address, social security number, email address, employer's name and address, income, assets, liabilities, and answers to questions of both personal and financial matters; communications from you regarding your loan(s) such as a change of employment; information obtained from third parties such as consumer reporting agencies or credit bureaus, employers, depository institutions and others, that we use to evaluate a loan application; information that we may gather in compliance with certain laws and regulations, such as the Home Mortgage Disclosure Act.

Sharing of the Information Gathered on This Site

We share personal information about you, as required or permitted by law, with third parties, such as service providers who assist us in the day to day operations of our company in the administration, processing, servicing and sale of your loan. These third parties include among others, title companies, appraisers, insurance companies, underwriting services, processing services, printing companies, software providers, marketing services and purchasers of loans. Our policy is to require third party service providers to enter into confidentiality agreements with us, prohibiting them from using any personal information they obtain for any other purpose other than those for which they were retained or as required by law. We may also disclose information about you, when necessary or required, in legal and arbitration proceedings and to government agencies.

External Links

This site contains external links (links to other sites). We are not responsible for the privacy practices or the content of such web sites. If you have any questions about this privacy statement, the practices of this site, or your dealings with this web site, please contact us.

Updating or Deleting Your Information, Including Demographic and Profile Data

You may update or delete your information at any time prior to completing an online data form. Once your online form is completed and submitted, you will not be able to change any of the information online. You will need to contact us via email, phone or postal mail to request that we update or delete your information.

Demographic and Profile Data

We may share certain aggregated demographic and profile data with government agencies. Aggregate data excludes information that would enable any individual to be identified. We also collect certain data (including your IP address) about your visit to our web site in our log files to enable us analyze site traffic and gather broad demographic data. The data in our log files are not linked to personally identifiable information.

Contacting Us

If you have any questions about this privacy policy, please write us by mail here:

1380 Lead Hill Boulevard Suite 106
Roseville, California  95661

Sierra Pacific Mortgage
Office Hours: Monday through Friday 8:30am to 5:00pm
Mike McIntosh
NMLS#234196
1380 Lead Hill Boulevard
Suite 106
Roseville, California 95661
michael.mcintosh@sierrapacificmortgage.com
Toll Free: 888 232-9025
Phone: 916 780-6400
Fax: 916 780-6404
State License Information CA (Licensed in California by the Department of Business Oversight under the Residential Mortgage Lending Act #417-0015)
Company NMLS #1788
Sierra Pacific Mortgage Company, Inc. is not endorsing or guaranteeing the products, information, or recommendations provided by linked websites, and is not liable for any failure of products or services advertised on linked websites.
To verify licensing please visit: www.nmlsconsumeraccess.org