This PRIVACY NOTICE FOR CALIFORNIA RESIDENTS supplements the information contained in the Privacy Statement of MINUTE MORTGAGE and its subsidiaries (collectively, “we,” “us,” or “our”) and applies solely to visitors, users, and others who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this notice.
Information We Collect. We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”). In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:
Personal information does not include:
We obtain the categories of personal information listed above from the following categories of sources:
Use of Personal Information. We may use or disclose the personal information we collect for one or more of the following business purposes:
We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
Sharing Personal Information. We may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract. We may also make certain categories of personal information available to third parties, in order to receive certain services or benefits from them (such as when we allow third party tags to collect browsing history and other information to improve and measure our ad campaigns), including:
We disclose your personal information for a business purpose for the following categories of third parties:
In the preceding twelve (12) months, the only personal information we have sold are the email addresses of new Minute Mortgage Agents to Minute Mortgage affiliated partners.
Third Party Privacy Policies. This Privacy Statement applies solely to your interactions with, and information collected through us. Once you leave our website, whether independently or via links, the privacy policies of the sites or applications to which migrate will apply. We have no responsibility or liability for the content or activities of any linked sites or applications.
Rights of California residents. California law grants California residents certain rights and imposes restrictions on particular business practices as set forth below.
California residents may make a Request to Know up to twice every 12 months. We will respond to verifiable requests received from California residents as required by law.
Contact Us. Do-Not-Sell (Opt-out) Requests, Requests to Know, and Requests to Delete may be submitted as follows:
We will respond to verifiable requests received from California residents as required by law. For more information about our privacy practices, as set forth above.
Rights Under California Shine the Light law. California residents may request from businesses with whom they have an established business relationship (1) a list of categories of personal information, such as name, address, e-mail address, and the type of services provided to the customer, that a business has disclosed to third parties during the immediately preceding calendar year for the third parties’ direct marketing purposes and (2) the names and addresses of all such third parties. To request the above information please contact us by writing to us under the “Contact Us” section above. We will respond to such requests within 45 days of receipt. We may change this Policy and will provide notice of changes through the Website or by email. Your continued use of the Website after notice constitutes your consent to the change. When you exercise these rights and submit a proper request to us, we will verify your identity by asking you for your email address, telephone number, and/or information about your account with us. We also may use a third-party verification provider to verify your identity.
Response Timing and Format. We endeavor to respond to a verifiable consumer request within 45 days of its receipt, if we require more time (up to 90 days) we will inform you of the reason and extension period in writing. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
Changes to Our Privacy Notice. We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will notify you by email or through a notice on our website homepage.
Contact Information. If you have any questions or comments about this notice, our Privacy Statement, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:
Postal Address: Minute Mortgage
Attn: Brooke Dalzell
8388 E. Hartford Dr., Suite 111, Scottsdale, AZ 85255
Discount points are fees paid directly to the lender at closing in exchange for a reduced interest rate. This is also called “buying down the rate,” which can lower your monthly mortgage payments.
One point costs 1 percent of your mortgage amount (or $1,000 for every $100,000). Essentially, you pay some interest up front in exchange for a lower interest rate over the life of your loan.
In general, the longer you plan to own the home, the more points help you save on interest over the life of the loan.
The example payments do not include taxes, insurance or assessments. Mortgage Insurance Premium (MIP) is required for all FHA loans and Private Mortgage Insurance (PMI) is required for all conventional loans where the loan amount exceeds 80% of the subject property value (LTV).
Mortgage interest rates shown are based on a 30 day rate lock period. All loan products and pricing assume the property type is single family and will be used as your primary residence. All loan products and pricing are based on the location of Maricopa County, AZ.
The Annual Percentage Rate (APR) is a measure the total cost to borrow money as an annual percentage. The APR includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination fees). The APR can be a useful method to compare the costs of similar loans between lenders.
The rate, terms and estimated closing costs above do not constitute a Loan Estimate. The Loan Estimate is prepared based on your specific information provided that you will receive once you apply for a loan. The rate, terms and estimated closing costs, are estimations based on the assumptions noted above. This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs and monthly payment on your specific loan transaction may vary, and may include city, county or other additional fees and costs.
The displayed interest rates and APRs are based upon a variety of assumptions and conditions which include an assumption for consumer credit profile. Your actual credit score may be higher or lower than the assumption shown. Your loan's interest rate will depend upon the specific characteristics of your loan transaction.
Minute Mortgage is located at 8388 E Hartford Dr, suite 111, Scottsdale, AZ 85255 NMLS 1696333. 1-602-443-5000. Copyright 2019. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. Click Here for Licensing Information.
Minute Mortage is an independent mortgage lender and is not affiliated with the Department of Housing and Urban Development (HUD) or the Federal Housing Administration (FHA)