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MY PROMISE TO YOU - Choosing the right mortgage company can be difficult. Unlike many professionals, you probably will not meet me until after you hire me. Furthermore, different lenders have varying qualifications, experience, and yes different pricing. One thing for sure is that finding and closing a mortgage loan requires work, a lot of work. Ultimately the best loan for you depends heavily on the individual loan officer's own efforts and knowledge! If you honor me by allowing me the opportunity to find your loan, I guarantee that I will give you my very best effort. This I promise you!

OUR DIFFERENCES ARE! - Savings - Service - Reliability - Best fit programs - Credit repair advice - No money down option - Competitive rates - Upfront Mortgage Broker® - Family owned & operated.

OUR MISSION STATEMENT! - Our mission is to earn the reputation in our core market as being the most efficient, lowest cost, reliable, helpful, and customer friendly retail provider of home loans. In other words, to be the peoples first choice for their mortgage lending needs.

1. How and Why We Obtain Personal Information

Peoples Choice takes great care to protect personal information about you and when we use it, we do so with respect for your privacy. We may use personal information about you to process transactions in your account, to respond to inquiries from you, to develop, offer, and deliver programs and services to you. We also use personal information to fulfill legal and regulatory requirements. Peoples Choice may collect public and non-public personal information about you from any of the following sources:

- You or your representative on applications or forms (for example, name, address, social security number, birth date, assets, and income)
- Information from consumer reporting agencies (for example, to assess your credit worthiness)
- Information from employers (for example, to verify capacity)
- Information from other third-party data services (for example, to verify your identity and to better understand your program and service needs)

2. How We Protect Information About You

We consider the protection of personal information to be the foundation of customer trust and a sound business practice. We employ physical, electronic, and procedural controls, and we regularly adapt these controls to respond to changing requirements and advances in technology. At Peoples Choice we restrict access to personal information to those who require it to develop, support, offer, and deliver programs and services to you.

3. How We Share Information About You With Third Parties

We do not share personal information about our customers with unaffiliated third parties for use in marketing their products and services. We may share personal information with the following entities:

- Financial service providers such as banks, mortgage lenders, credit bureaus, and insurance agencies.
- Non-financial companies such as real estate agencies, appraisers, and title companies.
- Government agencies, other regulatory bodies, and law enforcement officials.
- Other organizations, with your consent as permitted or required by law (for example, for fraud prevention)

Our service providers are obligated to keep the non-public personal information we share with them confidential and use it only to provide services specified by Peoples Choice Home Loans, LLC.

4. Online Privacy and Security

Privacy, security, and service in our online operations are just as critical as in the rest of our business. We employ all of the safe guards described above along with specific internet practices. We use fire wall barriers and encryption techniques to maintain the security of your online sessions and to protect your account from unauthorized access. We may also place cookies on your hard drive for purposes such as security to facilitate site navigation and to personalize your experience on our site. Our cookies do not identify you by name as an individual or by account number.

5. Former Customers and Additional Information

If you are a former customer, these policies also apply to you. We treat your information with the same care as we do information about current customers. Peoples Choice reviews and may amend this policy from time to time. Any changes to this privacy policy will be posted on this web site in a timely manner.