Privacy Policy

The Home Mortgage of America, Inc. (NMLSR#149932) ("HMoAI") privacy statement is specifically designed for the protection of consumers, or individuals obtaining a mortgage product or service from us. Our Privacy Policy is below, however, to the extent that you would enter into a transaction with HMoAI, a Privacy Policy Disclosure would be provided to you. For a sample of that disclosure click here.

Definitions

An Affiliate is a company, financial or nonfinancial, related by common ownership or control.
A Non-Affiliate is a company, financial or nonfinancial, not related by common ownership or control.
Joint Marketing is a formal agreement between nonaffiliated financial companies that, together, market financial products to you.

How does HMoAI Collect Personal Information?

HMoAI collects personal information, for example, when a consumer:

  • Applies for a loan
  • Provides Income Information
  • Provides Employment Information
  • Provides Wage Statements
  • Shows their Drivers License

HMoAI also collects personal information from others, such as credit bureaus, affiliates, or other companies.

What Does HMoAI Do with Personal Information?

Personal information is used to verify a consumer's identity, provide our customers with quality customer service and evaluate requests for products and/or services. Financial companies, such as HMoAI  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.

Types of Personal Information

The types of personal information we collect and share depend on the product or service a customer has with us. The information can include:

  • Social Security Number
  • Employment Information
  • Income
  • Assets
  • Payment History
  • Credit History

When you are no longer our customer, we continue to share your information as described in this Statement.

Sharing of Personal Information With Third Parties

Individuals or companies outside of the HMoAI family are considered third parties. Mortgage lenders are permitted (and sometimes even required) to share customer information with third parties for certain purposes, such as servicing customer relationships, fraud and risk management, and responding to transaction requests.

HMoAI may share your personal information for the following reasons and with the following ability by a customer to limit that sharing:

  • HMoAI may share personal information for everyday business purposes, such as to process a customer's transaction(s), maintain customer account(s), respond to court orders and legal investigations, or report to credit bureaus. This sharing cannot be limited by the customer.
  • HMoAI may share personal information for marketing purposes; to offer products and services to the customer. This sharing cannot be limited by the customer.

HMoAI does not share personal information about our customers for joint marketing with other financial companies, for our affiliates everyday business purposes, for our affiliates to market to our customers, or for our non-affiliates to market to our customers.

If a customer believes we have provided inaccurate information to a credit bureau, that person should contact us in writing with their account number and other pertinent information at the following address: Home Mortgage of America, Inc. (NMLSR#149932), 1800 International Pk Dr, Suite 125, Birmingham, AL 35243.

How does HMoAI Protect Personal Information?

To protect our customers' personal information from unauthorized access and use, we use security measurers that comply with Federal Law. These measures include Computer safeguards and secured files and buildings.

We authorize our employees to access personal information only when they need it to do their work, and we require companies that work for us to protect our customers' information.

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