This privacy statement describes how Minute Mortgage collects and uses the personal information of users and visitors of our website (“user”, “you”, or “your”): www.minutemortgage.com. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.
Minute Mortgage is committed to protecting your non-public personal information at all times. To that end, we employ and maintain physical, electronic, and procedural safeguards to ensure your non-public personal information is protected.
Our websites are not designed to appeal to children under the age of 18 as our business is financial in nature. We don’t knowingly attempt to solicit or receive any information from children.
We primarily collect information by specifically requesting it from you. Generally, this occurs when you register at our website or request information or a service. Usually, we and our service partners use your information to operate the website and to deliver value-added services to you. Our website also uses your information to inform you about other products or services available from us.
We do not access information about your identity while you browse our website. Although we collect information about the date, time and area of our website that you visited, you remain anonymous to us. Only if you decide to apply for a loan with us directly or through a broker, do we collect any personally identifying information about you that you provide or give consent.
An IP address is a unique number that is automatically assigned to your computer whenever you are using the Internet so that your computer can be identified by internet service providers to display webpages. This allows us to identify and gather general information and data about you, such as the webpages you view.
Minute Mortgage uses a variety of third-party services to help provide the most streamlined and user-friendly website possible. We also use third parties such as Google Analytics to help us understand how our visitors use our website. These third-parties may collect certain information from your browser (i.e. using cookies and/or your IP address), and may tailor your ads so that you see Minute Mortgage advertisements on other websites. To learn more, or to opt-out of receiving online display advertisements tailored to your interests by our third-party partners, visit the Network Advertising Initiative at www.networkadvertising.org/choices. If you prefer, you can adjust your privacy settings in your browser so that your information is not tracked.
We use both session ID cookies and persistent cookies. We use session ID cookies to make it easier for you to navigate our site. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browser’s “help” file.
Our third party service provider employs a software technology called clear gifs (a.k.a. Web beacons/Web bugs), that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We tie the information gathered by clear gifs to our customers’ personally identifiable information.
We use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns.
In case you change your mind or some information changes we will try to provide a way to correct or update the information that you give us. You may update or delete your information at any time prior to completing your application. Once the application is submitted, you will not be able to change any of the information online. We also give you the opportunity to control the communications we direct to you. If you wish to update information or objects to any usage provided herein for any reason, you may email the requested change to at email@example.com. We will respond to your request to access within 30 days.
We will retain your information for as long as your account is active or as needed to provide you services. We will also retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
We restrict access to nonpublic personal information about you to those employees and agents who we determine need to know that information to provide products or services to you, service your account, or maintain the systems that support your account. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.
The security of our users’ information is an important concern to us. We exercise care in providing secure transmission of your information from your computer to our infrastructure. Minute Mortgage uses industry standard efforts to safeguard the confidentiality of your information. We periodically upgrade and test these procedures and safeguards. All data transmitted between internet browsers and our servers are protected against unauthorized interception or access using Secure Sockets Layer (“SSL”) protocols. In order to use our website, users are required to be running an SSL-capable browser. We will use commercially reasonable methods to keep nonpublic personal information securely in our files and systems. Please note that with current technology, we cannot guarantee the security of your data as it travels over the internet.
Online applications are maintained on a secure server. We do not ensure or warrant the security of any information you transmit to us in a non-secure environment, such as within or attached to an email. Email is normally not protected and may be intercepted and viewed by others. Therefore, you should refrain from sending any confidential information via unsecured email to Minute Mortgage.
As privacy rights vary by state, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers. In addition, state and federal regulations may require us to maintain and report demographic information on the collective activities of consumers and users. We may also be required to maintain your personal information for at least seven years in order to be in compliance with applicable federal and state laws regarding record retention.
If you are logged into your account on our website and are inactive for a certain period of time, you will be automatically logged out. This is a security measure that reduces the risk of unauthorized access to your account or non-public personal information.
Minute Mortgage requires the use of passwords that meet minimum length and complexity requirements. Users are also required to change their passwords periodically. To protect against unauthorized access, accounts are locked after a number of unsuccessful login attempts.
While we take the security of your non-public personal information seriously and have taken steps to protect it, there are also a number of precautions that you can take to protect yourself:
Stay vigilant for scams like “phishing”. Never provide your login information in response to any email, physical mail or phone call that claims to be from Minute Mortgage. Instead, go directly to our website, ensuring that the URL begins with https://www.minutemortgage.com.
As a visitor and user of our website, we will not share any of your non-public personal information with anyone outside our company except:
Our site includes links to other websites whose privacy practices may differ from those of Minute Mortgage. If you submit personal information to any of those sites, your information is governed by their privacy statements. We encourage you to carefully read the privacy statement of any website you visit.
Our website offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact us at firstname.lastname@example.org. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.
By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission you understand that you are agreeing to the stated terms and conditions of that submission and that you are agreeing that you have read, accepted, and agreed to the Terms and Conditions and agree to do business electronically with Minute Mortgage.
California Civil Code § 1798.83 permits visitors to our website who are California residents to request certain information regarding their disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please write us:
Attn: Compliance Officer
8388 E Hartford Dr, ste 111
Scottsdale, AZ 85255
DISCLOSURE FOR CALIFORNIA USERS: MINUTE MORTGAGE AND OTHER PARTIES NOT AFFILIATED WITH US MAY COLLECT PERSONALLY IDENTIFIABLE INFORMATION ABOUT YOUR ONLINE ACTIVITIES OVER TIME AND ACROSS DIFFERENT WEBSITES WHEN YOU USE OUR WEBSITE OR THE SERVICES OFFERED ON OUR WEBSITE. WE DO NOT HAVE ANY PROTOCOL THAT OFFERS YOU THE CHOICE TO OPT-OUT OF INTERNET TRACKING. AT PRESENT TIME, THE MINUTE MORTGAGE WEBSITE IS UNABLE TO RESPOND TO “DO NOT TRACK” SIGNALS FROM YOUR INTERNET BROWSER. IF YOU HAVE ANY QUESTIONS REGARDING OUR INTERNET TRACKING METHODS PLEASE EMAIL US AT email@example.com.
You can contact us by mail at:
Attn: Compliance Officer
8388 E Hartford Dr, ste 111
Scottsdale, AZ 85255
One component of our online security system is our Secure Socket Layer (SSL) encryption. When you visit pages requesting or presenting sensitive personal or financial data, we will encrypt the information, preventing third parties from accessing it in transit. (Look for the lock icon on your browser.) We utilize 128-bit encryption in order to protect your personal information.
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)