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MortgageLoan Corp. Email Policy
Email Policy
 
MortgageLoan Corp. (the Company) is dedicated to the evolution of the mortgage process, industry, and ultimately creating an element of transparency and fairness not seen before within the lending industry. We aim to make every customer experience a good, lasting one founded on eventual perpetuity. We do not believe in single transactions, but rather relationships that last collectively for a very long time.
 
A major part of this concept is based on our commitment to prompt communication with our clients, our employees, our vendors, and everyone in between. We also have a relentless objective to reduce our carbon footprint as much as possible, allowing us to reduce our reliance on paper, ink, and other items which impact the earth. Due to this commitment, we offer various forms of communication including Email, chat, telephone, fax, snail mail, voicemail, and in-person dialogue as acceptable mediums of communication. To outline and display our commitment to these forms of communication, we have adopted the following Terms and Conditions with respect to Email use, which are fully incorporated by reference into all Emails sent and received by our company, its members, and any affiliates. Our communications with you by Email are prefaced and conditioned upon your agreement to the following terms in their entirety, fully and without limitation or discount.
 
EMAIL IN GENERAL
Email is an effective and efficient means of communicating a message. However, due to its brief and informal nature, Email may not accurately represent the entire or final disposition of a matter or the official business records of the Company. In most instances, communications on a particular matter are exchanged through multiple channels such as through Emails, faxes, voicemails, letters, chat, instant message, telephone, and in person. Indeed, communications on a particular matter may be exchanged through multiple channels, all at the same time, such as when an Email recipient responds to a voicemail, a fax recipient follows up with a personal meeting, a voicemail recipient responds with an Email, and many other possible and/or likely scenarios. Accordingly, Email, by itself, may not accurately reflect the complete communication or intent of the Company as to the subject matter referred to within the communication, nor constitute an official business record of the Company. All official matters should be subsequently confirmed in signed writings where each and every party to the communication acknowledges, by signature, any formal condition or communication. Also, the mere receipt of an Email by the Company may not put the Company on notice, timely or otherwise, of the matters contained within that Email.
 
EMAILS ARE GENERALLY NOT FORMAL SIGNED WRITINGS; E-SIGN DISCLAIMER
Unless there is explicit and specific language and disclosures to the contrary, Emails from our Company do not contain or constitute an electronic signature, even if the sender's name appears in the Email. Email communications are not intended to be construed against the Company as an interest rate lock, an unconditional loan commitment, an unconditional loan approval, unconditional pre-qualification, unconditional pre-approval, or any other unconditional offer or agreement to lend. Such documents and agreements are generally sent to clients in formal signed writings from the Company.
 
CONFIDENTIAL INFORMATION
Emails sent by our employees, associates, team members, affiliates, and/or anyone else associated to MortgageLoan Corp. by employment are confidential (and all attachments to such Emails are confidential) and are to be reviewed and/or disclosed to only the individual or entity to whom they are addressed and intended. If you received an Email in error or if it was improperly forwarded to you, the information contained in the Email should, at all times, remain confidential and such circumstances shall not authorize you to use or disclose the confidential information. Please notify the sender immediately by telephone or Email, and delete or destroy the original and any copies. Any unauthorized use, disclosure, reproduction, or distribution is strictly prohibited. Emails marked as "Confidential" contain confidential and/or proprietary information that is disclosed under the condition that you treat and maintain such information strictly in a confidential manner and in compliance with applicable privacy laws (including but not limited to the Gramm-Leach-Bliley Act) and that you ensure such information is not disclosed or used by others, except for the limited and confidential purpose for which it is being provided. By accepting and reviewing Confidential information provided by the Company, you agree to indemnify and hold the Company harmless against any and all claims, losses, liabilities, or expenses, including attorney's fees that the Company may incur as a result of the unauthorized use or disclosure of confidential information due to your acts or omissions.
 
PRIVILEGED INFORMATION
Emails exchanged with or involving our legal staff and/or counsel may contain privileged information subject to the attorney client privilege and/or the attorney work product privilege. Such privileged information shall not be waived if you receive an Email in error or if it was improperly forwarded to you. If you are not the intended recipient of privileged information, please notify the sender immediately by telephone or Email and delete or destroy the original and any copies. Any unauthorized use, disclosure, reproduction, or distribution of confidential or privileged information is strictly prohibited.
 
TIME SENSITIVE INSTRUCTIONS & OFFICIAL MATTERS; FILTERS
Do not use Email to communicate time-sensitive instructions or official company matters; they may not be received or reviewed by the appropriate team member in a timely manner. All Emails are processed through various virus and spam filters which may delay or reject the delivery of an Email altogether. Urgent matters should be communicated in person directly with the person of concern via telephone and then confirmed in writing with the appropriate person via fax or Email. The Company reserves the right to block any Email source it deems inappropriate.
 
BUSINESS PURPOSES
The Company's Email facilities are to be used only for conducting business with our Company. Vendors, suppliers, clients and others receiving Email from our associates, employees, team members, and affiliates may not use the Email from our associates, employees, team members, and affiliates or his/her/their contact information (or any other person's Email address appearing on or in Company Email) for any purpose other than corresponding with our Company for lawful and legitimate business purposes relating to the business of our Company. The receipt of an Email is not our Company's consent, nor the consent of our associates, employees, team members, and affiliates consent, for you to use said Email address or contact information for direct marketing purposes or for transfers of data to third-parties, and such use is strictly prohibited.
 
MONITORING OF COMMUNICATIONS
All Emails sent to or from our associates, employees, team members, and affiliates may be forwarded, monitored, and/or reviewed by others within our Company other than the designated recipient/sender with or without notice to the designated recipient/sender. We may also record or monitor other forms of communications you have with us via the website, PC-talk, chat, Email, and telephone. By using such communications methods you are consenting to the recording or monitoring of the same.
 
UNSECURED TRANSMISSIONS
You should be aware that regular Email is typically sent via the Internet which is an open network. While certain designated areas within our websites employ technologies to secure your data and the transmissions between you and our Company, general Email uses the Internet which is an open system and we cannot provide absolute assurances that all Email transmissions (sent or received) are secure, error free, not corrupted, incomplete or virus free and/or that they won't be lost, misdelivered, destroyed, delayed, or intercepted/decrypted by others. Therefore the Company advises against sending sensitive or personally identifiable information, over Email, and disclaims all liability with regard to Emails (and the contents therein) if they are corrupted, lost, destroyed, delayed, incomplete, misdelivered, intercepted, decrypted or otherwise misappropriated by others.
 
VIRUSES
Computer viruses can be transmitted via Email through Email content, attachments to Emails and embedded links. Although our Emails are believed to be free of any virus or other defects that might affect computer systems in which they are received and opened, it is the recipient's responsibility to ensure that any Email they open is virus free. The Company is not responsible for any loss or damage arising in any way from the receipt, use, storage or transmission of our Emails. If our Company forwards an Email or replies to a prior Email, the contents may have been produced by someone other than our Company or our Team Members for which the Company assumes no liability whatsoever. THE COMPANY DISCLAIMS ANY REPRESENTATION OR WARRANTY THAT COMPANY EMAILS ARE VIRUS FREE AND/OR ERROR FREE. The use of Email to introduce any virus, malicious or disabling code, or to otherwise interfere with the Company's Email transmissions, telecommunication, or computer networks is prohibited and against the law; violators will be prosecuted to the fullest extent of the law.
 
PROHIBITED Email CONTENT
All of our associates, employees, team members, and affiliates are prohibited from using Email to make or send any type of menacing, defamatory, discriminatory, harassing, offensive or threatening statements/materials, or statement/materials that infringe the copyrights or legal rights of others in Email. Such communications are against Company policy and outside the scope of our associates, employees, team members, and affiliates employment. The Company does not accept any liability in respect of such communication, and our associates, employees, team members, and affiliates responsible will be personally liable for any damages or other liability arising. Please report any such violations to our Client Relations Team at 866-737-7706 or admin@mortgageloancorp.com. The use of the Company's Email facilities for purposes of sending menacing, harassing, offensive or threatening messages to our associates, employees, team members, and affiliates is strictly prohibited and is unlawful; violators will be prosecuted to the fullest extent of the law. Use of the Company's Email facilities for purposes of to soliciting our associates, employees, team members, and affiliates to breach their employment agreements or to interfere with their employment status with our Company is strictly prohibited.
 
ALL RIGHTS RESERVED; STATEMENTS ATTRIBUTABLE TO THE COMPANY
The Company reserves all rights as to the Company's content in its Email and this Email policy statement. No part of the Company's Email (or this policy statement) may be reproduced, published, or distributed in any manner without the express written permission of the Company. The only official publishable public statements that can be attributed to the Company are statements issued by the Company's Director of Public Relations or by an officer of the Company (i.e., Chairman, CEO, President, or Corporate Counsel).
 
NEGLIGENT MISSTATEMENT
The Company disclaims any and all responsibility, including responsibility based on negligence or negligent misstatement, for the accuracy, completeness, or reliability of data or information contained in or furnished through Email and the Company makes no warranties, express or implied, with respect to such data or information.
 
IRS CIRCULAR 230 DISCLOSURE
The Company disclaims any U.S. federal tax advice contained in or furnished through Email (including any attachments). Any reliance upon such tax advice cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to any other party any transaction or matter that is addressed, contained in or furnished through Email (including any attachments).
 
GOVERNING LAW
In receiving and opening this Email, you agree that the Terms and Conditions stated herein shall apply to you and are incorporated by reference into the Company's Email, and that any disputes pertaining to this Email shall be governed by and construed in accordance with the laws of the State of California, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these Terms and Conditions may only be filed only in the state or federal courts located in California.
COMPLAINTS
Any complaints should be directed to the Management Team at 866-737-7706 or admin@mortgageloancorp.com.
ADDITIONAL TERMS
The products and services provided by the Company are subject to additional terms, conditions and disclaimers.
STATE LICENSING
MortgageLoan Corp. is a licensed mortgage company and a professional California Corporation. The following states require disclosure of licensing information. (If your state is not listed, it doesn’t require a specific license disclosure):
  • California – Licensed by the Department of Corporations, under the Finance Lender’s Law;
  • MortgageLoan Corp.’s Nationwide Mortgage Licensing System Number 848020.
To go to the NMLS access page please click on:
 
OPT-OUT
This Email may constitute an advertisement or solicitation under U.S. law, if its primary purpose is to advertise or promote a commercial product or service. If you do not wish to receive advertising and promotional messages from MortgageLoan Corp. at this Email address please specify your preference by visiting our website:
 
 
EQUAL HOUSING LENDER
MortgageLoan Corp. is an Equal Housing Lender. The Company does not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.
 
EQUAL OPPORTUNITY EMPLOYER
The Company is an equal opportunity employer. Any complaints or concerns about the Company's employment practices may be directed to the Management Team at 866-737-7706 or admin@mortgageloancorp.com

 

MortgageLoan Corp. is an Equal Opportunity mortgage company. If, at any time, you believe that you have been subject to discrimination, you may send a complaint to:

Federal Trade Commission
Equal Credit Opportunity
Washington, DC 20580

AND TO:

Office of the Comptroller of Currency (OCC)
OCC Customer Assistance Group
1301 McKinney Street, Suite 3450
Houston, TX 77010-9050

AND TO:

Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing and Urban Development (HUD)
Washington, DC 20410
For processing under the Federal Fair Housing Act

AND TO:

Consumer Financial Protection Bureau (CFPB)
1500 Pennsylvania Avenue NW
Washington, DC 20220

Rates Assumptions:


Conforming loan (Up to 417,000) Annual Percentage Rate (APR) calculations assume a fully documented rate and term refinance with a loan amount of $350,000 on an acceptable owner-occupied, detached, single family residence (SFR) with a loan-to-value ratio (LTV) of less than 60% along with an established impound account for taxes and insurance. Available first mortgage rates and fees may vary depending upon your property's location. Restrictions apply.

Conforming loan (Up to 625,500) Annual Percentage Rate (APR) calculations assume a fully documented rate and term refinance with a loan amount of $500,000 on an acceptable owner-occupied, detached, single family residence (SFR) with a loan-to-value ratio (LTV) of less than 60% and an impound account for taxes and insurance. Available first mortgage rates and fees may vary depending upon your property's location. Restrictions apply.

Jumbo loan APR calculations assume a fully documented rate and term refinance with a loan amount of $1,000,000 on an acceptable owner-occupied, detached, SFR with a LTV ratio of less than 60% and an impound account for taxes and insurance. Restrictions apply.

Government loan APR calculations assume a fully documented rate and term refinance with a loan amount of $350,000 on an acceptable owner-occupied, detached, SFR with a LTV ratio of less than 60% and an impound account for taxes and insurance. Restrictions apply.

Rates will be higher for loan amounts lower than $350,000 and over $417,000. Rates shown on website assume the borrower(s) FICO according to the chosen Credit Rating-Excellent 740; Good 680; Fair 620. Restrictions apply.

Adjustable rate mortgage APR calculations are based upon the index and investor based margins.

Subject to underwriter approval; not all applicants will be approved.

 

Important Terms and Conditions Regarding our Mailer:

* The offer extends to fixed rate, conforming loan amounts up to $417,000, rate and term refinance, owner occupied, single family, non-rural, non-complex, subject property with a loan to value up to 60% with an impound account and a minimum score of 740 FICO. Loans with subordinate financing are ineligible for this offer. Loan fees are typically financed through the loan. Loans are subject to final loan approval based on verification of income, assets and appraised value. Not all applicants will be approved. Restrictions may apply. To be considered for this promotion, receipt of a bona fide Rate Lock Confirmation, Good Faith Estimate and a fully completed Uniform Residential Loan Application (1003) disclosing all loans terms from competing lender which must be dated no more than 5 calendar days from MortgageLoan Corp.s’ tentative approval of initial credit application. These documents must be received no later than 24 hours from initial credit application. Appraisal fee must be paid in advance by the applicant. Should the loan not close for any reason the appraisal fee is non-refundable; MortgageLoan Corp. does not profit from the appraisal fee, since it is a third-party fee paid to a third-party company for a third-party service. If the appraisal fee increases due to a lender required re-inspection, the applicant is responsible for paying the additional cost. No portion of the appraisal fee or re-inspection fee will be refunded if the service has been rendered, and the loan is canceled or declined. A survey fee may be charged to the applicant if required by the lender, and will not be refunded by the lender. Home Owners Association certification fees may be charged when the subject property is a Condominium or PUD, and will not be refunded by the lender. Vesting changes may result in additional fees, and will not be refunded by the lender. Fees charged by applicant’s current lien holder will not be refunded by the lender. Rates and terms subject to change based on market conditions and borrower eligibility. Rate and fees are subject to change for properties located outside of California. Consult your tax advisor for deductibility of interest and loan fees. NMLS Unique Identifier #848020. MortgageLoan Corp. also operates under the name MortgageLoanCorp. MortgageLoan Corp., (Inc.), mortgageLoanCorp, and mortgageloan corp. MortgageLoan Corp. is not licensed in all 50 states. Products and services offered are not available to residents of states in which MortgageLoan Corp. is not licensed. MortgageLoan Corp. reserves the right to discontinue the offer at any time.

 
 
Notice: MortgageLoan Corp. and its affiliates maintain a firm commitment to providing professional services to any person regardless of race, color, religion, sex, disability, familial status, or national origin. The Company shall not knowingly be a party to any plan or agreement to discriminate against a person or persons on the basis of these or any similar prejudices or practices. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy underwriting guidelines ranging from, but not limited to, credit score requirements, loan to value requirements, asset requirements, income requirements, debt to income ratio requirements, property requirements including, but not limited to, an appraisal, in addition to other underwriting guidelines and requirements.
 
 
 
 

 Copyright © 2012 MortgageLoan Corp. All Rights Reserved.