PRIVACY POLICY

HOPELOAN.COM PRIVACY POLICY

hopeloan.com (a division of Hope Loan, LLC, hereinafter referred to as Hope Loan) wants you to understand how we collect your personal information, and how we use that information. We collect and use your information in order to process your request(s) for services we offer to include:

Hope Loan Qualifier: to try and find out, based on your input, whether you may meet the requirements for consideration for the Hope Loan (we call this the Hope Loan Qualifier). 
FHA Loan Information: to try and determine whether, in the states in which we are licensed, you may qualify for FHA loan consideration apart from Hope Loans.
Mortgage Modification: to try and determine whether you may be a good potential candidate for a mortgage modification in states in which we are licensed; and to determine whether you may benefit from a referral to a provider of services in a state in which that provider is licensed.

There are many requirements and qualifications for the Hope Loan program and other programs. We advise you to learn all you can from all safe sources about such programs to include our Terms of Use and Agreement and our website. You may indeed require legal advice regarding your situation.

Privacy Policy
Hope Loan, LLC is serious about protecting your personal privacy. It is Hope Loan, LLC’s mission to try and make consumers aware of the advantages of the Hope Loan process, to assist homeowners in finding out the requirements for a Hope Loan and in assisting homeowners in making early determinations about whether they may meet those Hope Loan requirements.  When a homeowner appears to meet the requirements, Hope Loan can assist further in the process, possibly leading, with the agreement of the mortgage company, to an FHA loan. This service applies only in those jurisdictions in which Hope Loan is licensed. Hope Loan also attempts to assist homeowners with mortgage modification services. This service applies only in states in which Hope Loan is licensed. And, Hope Loan may provide services in connection with applications for FHA loans apart from Hope Loans. For licensing information, please see our Terms of Use and Agreement.

Hope Loan gathers personal information to achieve the goals listed above. Hope Loan will need to use the personal information in the negotiating process involving your mortgage company and, in many instances, the FHA (Federal Housing Administration, which is charged with carrying out the Hope for Homeowners Act and guaranteeing the Hope Loans).

In some situations, we may provide some information to a participating agency which may undertake a mortgage modification in states in which Hope Loan is not licensed but in which the participating agency is licensed. No such referral is made without your approval.
Hope Loan is not in the business of renting, selling or trading personally identifiable customer information to market products or services you may not want or need.

How do we protect your privacy?
What personal information do we collect?
When and where do we collect personally identifiable information from you?
How do we use your personal information?
With whom do we share your personal information?
Do we use "cookies"?
What if I still have questions?

How do we protect your privacy?
Hope Loan protects your privacy by collecting personally identifiable information only when necessary, and by implementing security measures to help protect against unauthorized use or misuse. For more details, contact Hope Loan, LLC (see address and contact information below).

What personal information do we collect?
Hope Loan, like all websites, can detect and store your IP address and that of the website that referred you to us. We collect this information at the individual and the aggregate level to determine web traffic and usage patterns and we use this information to help make sure we provide adequate capacity for our visitors.
In no instance, however, are we able to determine your email address or any other personally identifiable information unless you provide it to us or as otherwise explained in this Privacy Notice.

To process a request to determine whether you may meet the requirements of a Hope Loan and/or other services furnished by Hope Loan, we request: your email address; information about you and a co-borrower, including your name(s) and address(es), email address(es), income, telephone number, mortgage debt, name of mortgage company, second mortgages, HELOC’S, liens, arrearages on debt, date of mortgage, date of request, and other similar information. You agree that any co-borrower must explicitly provide their own personal information and authorize for that information to be shared with Hope Loan, and your mortgage company and FHA.  When you fill out any form or provide any information about yourself or a co-borrower, you do so freely, and voluntarily, knowing all your rights under any and all applicable laws and you understand and you agree that any claims against Hope Loan for violating the privacy rights or any other asserted rights are subject to the Terms of Use and Agreement, under which arbitration is the sole remedy.

Protecting the privacy of children is especially important. For that reason, we never collect or maintain information at our website from those we actually know are under age 18, and our site is not designed to be used by anyone under the age of 18.

When and where do we collect personally identifiable information from you?
Hope Loan collects your personal information as provided by you, or by a co-borrower when you/they provide that information to our site to obtain feedback on potential qualification for the Hope for Homeowners loan, referred to by FHA as a Hope Loan, or as the H4H Program, and/or to request further information about possible Mortgage Modifications and possible Mortgage Modification broker/lender contact.

Hope Loan may collects an email address when you fill out the Hope Loan qualifier, or if you specifically ask to receive information by email from us (such as an email newsletter, etc.), contact us for customer support reasons, or if you provide it in your request for us to contact you.

How do we use your personal information?
Hope Loan uses your personal information to make a tentative determination whether you meet the requirements for a Hope Loan, or a modification, or other FHA product.  
If you supply us with your email address on-line, you may occasionally receive email from us, such as Hope Loan updates, changes in the law, changes in the program, updates about progress of a Hope Loan or modification or FHA program, an email newsletter, customer surveys, information on new products and services, or upcoming events.

If you supply us with your telephone number and/or mailing address, you may occasionally receive telephone calls and/or mail from us, such as customer surveys, information on new products and services, or upcoming events.

With whom do we share your personal information?
It is not our policy to sell, rent or trade your information with other companies for their own marketing purposes except upon your request. We will share your information with one participating lender when you complete your free rate search. We will share your information with a participating real estate service provider to fulfill your request for a real estate service provider to contact you. When you do provide your contact information, you agree that the mortgage lender and/real estate service provider may contact you using any of the methods of contact you provided, including telephone, even if you are currently registered with a state or federal Do Not Call registry.

From time to time, we also share such information with nonaffiliated third parties, but only In connection with the processing of Hope Loan and related requests; for purposes of marketing our own products; or pursuant to joint marketing agreements with others; to protect you and us against fraud and unauthorized disclosures; if you authorize or agree to such disclosure; or as otherwise required or permitted by law.
The nonaffiliated third parties with whom we might share your personal information include legal and regulatory authorities, and various databases developed or used by the mortgage industry. To the extent we share this information with companies that perform marketing services on our behalf or with which we have joint marketing agreements, we require those companies to contractually commit to protecting your personal privacy.

Do we use "Cookies"?
A cookie is a small data file that websites may write to your hard drive when you visit them. We use cookies to record session information, record user-specific information on what pages users access or visit, record past activity at a site in order to provide better service when visitors return to our site, ensure that visitors are not repeatedly shown the same banner ads, customize Web page content based on visitors' browser type, or other information that the visitor sends. We also use a cookie if you request a rate quote from us.
We do not use cookies to store or transmit any personal information about you; however, the use of cookies may permit us to identify a visitor if the visitor has also provided identifying information. If you have set your browser to warn you before accepting cookies, you should receive a warning message with each cookie. You must enable cookies if you would like us to process your rate quote.

What if I still have questions?
If you still have questions or concerns regarding our Privacy Policy, please feel free to email us.
Or you can reach us by mail:

This privacy policy is subject to change, so please check back for further updates.