We do Business in Accordance with Federal Fair Lending Laws.
UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:
Deny a loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling, or to deny any loan secured by a dwelling; or
Discriminate in fixing the amount, interest rate, duration, application procedures, or other terms or conditions of such a loan, or in appraising property.
IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:
ATTN: Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing and Urban Development
451 7th Street S.W.
Washington, DC 20410
UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:
On the basis of race, color, national origin, religion, sex, marital status, or age;
Because income is from public assistance; or
Because a right has been exercised under the Consumer Credit Protection Act.
HRMC Right to Financial Private Policy
Protect Customer Information thru secure encrypted data entry and internal data security policies and procedures.
Unlike many large retail banks HRMC does not own any interest in real estate companies, insurance agencies, and/or appraisal management, credit, or banking entities. Hence information sharing about our applicants is not permitted under any circumstances.
While underwriting mortgage loans we honor to collect, use, and process Customer Information respectfully and lawfully.
1. Making the security of information a priority
Keeping financial information secure is one of our most important responsibilities. We maintain physical, electronic and procedural safeguards to protect Customer Information. Appropriate employees are authorized to access Customer Information for business purposes only. Our employees are bound by a code of ethics that requires confidential treatment of Customer Information and are subject to disciplinary action if they fail to follow this code.
2. Collecting information about you
We collect and use various types of information about you and your accounts to service your accounts, save you time and money, better respond to your needs, assist us in keeping information up to date, and manage our business and risks. Customer Information is categorized in the following six ways:
A. Identification Information - information that identifies you, such as name, address, e-mail address, telephone number and Social Security number.
B. Application Information - information you provide to us on applications and through other means that will help us determine if you are eligible for products you request. Examples include assets, income and debt.
C. Consumer Report Information - information from a consumer report and from insurance support organizations not affiliated with us. Examples include credit score, credit history, and loss and health information.
D. Information from Outside Sources - information from outside sources other than consumer report information, regarding employment, credit and other relationships that will help us determine if you are eligible for products you request. Examples include employment history, loan balances, credit card balances, property insurance coverage and other verifications.
E. Other General Information - information from outside sources, such as data from public records and/or on-line databases, that may be used for the purpose of determining eligibility for a product or service.
F. As required by the USA PATRIOT Act, we also collect information and take actions necessary to verify your identification.
At Henger Rast we make borrower’s rights to financial privacy a priority. If you feel any breach of the above policy has taken place please report this action immediately to:
Henger Rast Mortgage Corporation
Attn: Mr. Robert E. Henger III
3500 Blue Lake Drive
Ste. 325
Birmingham, AL 35243
205-271-1210
rhenger@hengerrast.com