All loans subject to credit approval. Rates and fees subject to change. Mortgage financing provided by MortgageRight, Equal Housing Lender. © 2018 MortgageRight
Florida # MLD1194;
Georgia Residential Mortgage Licensee# 31656;
Virginia # MC-5923;
North Carolina L-163799;
Texas SML #2239;
Visitors to the Moreira Team – 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:
- Date and time our site was accessed
- IP address
- Web browser used
- City, state and country
We use this information to create summary statistics and to determine the level of interest in information available on our site. Visitors may elect to provide us with personal information via email, online registration forms or our guest book. This information is used internally, as appropriate, 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 visited previously.
Sharing with Non-affiliated Companies
From time to time, we will share customer information with those companies, which 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) financial service providers such as insurance companies, payment or data processing companies, check printing companies, retailers, non-profit organizations, etc. These companies assist us in fulfilling and maintaining your service requests, processing your transactions, or mailing account statements. We make sure that each company is contractually obligated to keep our customer’s information confidential, 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 Such information 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 solely to your transactions or other communications with us. Examples of non-transaction, non-experience information could include data contained in a consumer credit report or application information such as income and assets.
MortgageRight is licensed under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking.
Consumer Compliant and Recovery Notice
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.”
Doing Business As:
- Home Rate Mortgage
Completing Online Forms
When you complete a form online, such as an online mortgage application, MortgageRight has programs in place to protect it. The information you supply is encrypted and then decoded to begin processing when it arrives to MortgageRight If you would like to feel more secure as you work with your confidential information online, you can look for a couple features in your web browser that will provide you assurance that your information is protected. 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, you can look for it to read https:// at the beginning of the URL. With it typically reading http://, the addition of the “s” means the site you are visiting is secure.
When emailing your MortgageRight contacts, please keep in mind the security settings from which you are transmitting this information. While information we share via email within our organization is guarded and secure, messages emailed in from outside providers cannot be guaranteed. When communicating with your MortgageRight contacts, please be sure only to send confidential information (account numbers, social security numbers, etc…) from secure email services. If you are not sure of the security settings of your email, you may use our secure online document upload feature, visiting the office location or send the personal documents through the US postal system.
Home Mortgage Disclosure Act
Enacted by Congress in 1975, the Home Mortgage Disclosure Act legislates the reporting of loan data by lending institutions. This includes geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. This data is reported by the lending institutions on the first of March for loans and applications of the previous calendar year. If requested, lenders need to have the information available within 30 days of the request but not earlier than March 31st.
To receive a copy of these data send a written request to:
3168 Cahaba Heights Road
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 race, color, 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 program; or, because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
MortgageRight, places a high priority on protecting your personal and confidential information. We make every effort to guard the information you provide us, no matter how we receive it.
Linking Outside of the Moreira Team – MortgageRight Website
MortgageRight or the Moreira Team are not held responsible for any information or content 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 which may be different from those of MortgageRight