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Privacy Policy


FACTS

 WHAT DOES LOWRATES.COM BY SUN WEST MORTGAGE COMPANY, INC. (NMLS ID 3277) DO WITH YOUR PERSONAL INFORMATION?

Why?

 Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and income
  • Account balances and payment history
  • Credit scores and employment information

How?

 All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons LowRates.com by Sun West Mortgage Company, Inc. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does LOWRATES.COM BY Sun West Mortgage Company, Inc. (NMLS ID 3277)
Share?		 Can you limit this sharing?
For our everyday business purposes: such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. Yes No
For our marketing purpose: to offer our products and services to you Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes: information about your transactions and experiences Yes No
For our affiliates to market to you: information about your creditworthiness Yes Yes
For non-affiliates to market to you Yes You must opt-in for us to share

To start our sharing with non-affiliates Or to stop our sharing with affiliates for marketing purposes
  • Call us at 800.453.7884
  • Write to us at privacy@swmc.com
  • Mail us one or both of the “Mail-in Forms” included with this notice (Click here to download the form). One form is to authorize our sharing information with non-affiliates; the second form is to stop us from sharing information with affiliates for marketing purposes.

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we can continue to share your information for up to 18 months after you are no longer our customer.

However, you can contact us at any time to limit our sharing.

Questions?

 Call our customer service department at toll-free number, 800.453.7884, between the hours of 7.00 AM and 7.00 PM PT, Monday through Friday, except Federal Holidays.

Who we are
Who is providing this notice? LowRates.com by Sun West Mortgage Company, Inc. (NMLS ID 3277) is your mortgage servicer.

What we do
How does LowRates.com by Sun West Mortgage Company, Inc. (NMLS ID 3277) protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. LowRates.com by Sun West Mortgage Company, Inc. (NMLS ID 3277) employees are trained in our privacy policy and procedures. Only employees who have a legitimate business reason to access your personal information may do so.
How does LowRates.com by Sun West Mortgage Company, Inc. (NMLS ID 3277) collect my personal information?

We collect your personal information, for example, when you:

  • apply for a loan or give us your income information.
  • provide account information or show your driver’s license.
  • provide employment information.

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only:

  • sharing for affiliates’ everyday business purposes – information about your creditworthiness.
  • affiliates from using your information to market to you.
  • sharing for non-affiliates to market to you.

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.
Does Sun West share my personal information with affiliates, if I/We do not Opt-Out? Sun West can begin sharing all borrowers' information with the affiliates, 30 days from the date we sent this notice. However, you can contact us at any time to limit our sharing.

Definition
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include companies with an XL Dynamics name; Sun West Financial Services International, Inc., a company that provides technology and back office support to mortgage and commercial banking and lending industry; Celligence International, LLC, a company that provides consulting services; Marco Management LLC, a company that provides personal investment rental property management; Sun West Property Management International, LLC, a company that provides personal investment rental property management; XLD Insurance Company, Inc., a commercial captive insurance company; XLD Brokerage Agency, LLC, a commercial insurance brokerage service company; XLD International Insurer Corporation, a commercial captive insurance company; ApexLend, LLC, a company that provides consumer lending services.
Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Non-affiliates we share with can include financial services companies such as mortgage brokers, lenders, and Servicers.
Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners can include financial services companies such as mortgage brokers, lenders, and Servicers.