Terms, Privacy & Disclosures

This Website, and any of the services provided by My Community Mortgage in connection with this Website, is being provided to you subject to these Terms of Use, which govern your use of the site. Please read these Terms of Use carefully. By visiting and/or using this Website, including any of the services offered on this Website, you agree to be bound by these Terms of Use, whether or not you complete a transaction with My Community Mortgage and, whether or not you complete your transaction on the Website or through the use of telephone, fax, email, postal mail, overnight delivery services, or otherwise. By using this Website you acknowledge that certain features of this Website and products and/or services of My Community Mortgage may be subject to additional terms, conditions and disclaimers.

If you do not agree to these Terms of Use, you are not authorized to use this Website, or any of the services that My Community Mortgage may offer through this website. My Community Mortgage reserves the right to, in its sole discretion and without notice, deny you access and/or use of this Website for any reason or no reason at all.

My Community Mortgage is licensed as set forth on the Website which is incorporated into this Agreement by reference. The disclosures and consents required under certain state laws are deemed to be provided, received and agreed to by your visit to and/or use of the website.

Information Subject to Change

Although My Community Mortgage has tried to provide accurate and timely information, the content of this site may not be accurate, complete and/or current and may include typographical errors or technical inaccuracies. The information and materials contained in these pages, and the terms, conditions and descriptions that appear on this site, are subject to change at any time without notice. My Community Mortgage may change the products, services and other information identified on this site at any time. Applicable terms, conditions and eligibility requirements are subject to change and not all products and services are available in all geographic areas. The information published on this site is provided as a convenience to our visitors and is for informational purposes only. You should verify all information before relying on it and any decisions which you may make based upon the information contained on this site shall be at your sole risk and responsibility. Your eligibility for particular products and services is subject to final approval, determination and acceptance by My Community Mortgage in its sole and absolute discretion, notwithstanding your visit to and/or use of this Website.

Other Sites

This site may contain links to other sites on the Internet and such links are provided solely for the convenience of our visitors. My Community Mortgage does not, unless otherwise expressly stated, endorse, control, approve or sponsor the linked sites or advertisements contained thereon. My Community Mortgage hereby disclaims liability for any other company's website content, products, privacy policies, or security. In the event you choose to use the services available at a linked site, you agree to read and adhere to the policies and Terms of Use applicable to that site. In addition, any advice, opinions, or recommendations provided by the linked site providers are those of the providers and not of My Community Mortgage. Your participation in any linked site, including payment for and the delivery of goods or services, is based solely on the agreement, if any, between you the linked site provider.

Disclaimer of Warranties

The information and materials contained in this site, including text, graphics, links or other items – are provided "as-is" and "as available" and My Community Mortgage does not warrant the accuracy, adequacy or completeness of such information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, express or statutory, including, but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose, and freedom from computer virus, or other malware, is given in conjunction with such information and materials.

You acknowledge that neither My Community Mortgage, its affiliates nor any of their respective employees, agents, third party content providers or licensors warrant that the services or the site will be uninterrupted or error free; nor do they make any warranty as to the results that may be obtained from use of the services or the site, or as to the timeliness, sequence, accuracy, reliability, completeness or content of any information, service, or merchandise provided through the services and the site. My Community Mortgage does not endorse products or services appearing on linked sites or purchased via linked sites.

Except as specifically provided in this agreement or where the law requires a different standard, you agree that My Community Mortgage is not responsible for any loss, property damage or bodily injury, whether caused by access to or use of the services or the site. To the maximum extent permissible under applicable law, My Community Mortgage will not be responsible to you or any third party claiming through you for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation or use of the services, the site, any on-line services or internet browser software, including liability associated with any computer viruses which may infect your computer system.

Limitation of Liability

In no event will My Community Mortgage be liable for any damages, including, without limitation: direct or indirect, special, incidental or consequential damages, losses or expenses arising in connection with this website or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or link or system failure, even if My Community Mortgage, or representatives thereof are advised of the possibility of such damages, losses or expenses. Hyperlinks to other internet resources are at your own risk; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored or endorsed by My Community Mortgage.

Indemnification

You agree to defend, indemnify and hold harmless My Community Mortgage, its affiliates, vendors and all directors, officers, employees and agents of My Community Mortgage and its affiliates and vendors from and against any claim, demand, damages, liabilities, suit, expenses, costs or proceeding, including attorney's fees and court costs, that relates to or is based on your violation of these Terms of Use or misuse of the Website, or any services available from My Community Mortgage through the Website, including such violation or misuses conducted by your employee or agent, if applicable.

No Unlawful or Prohibited Use

As a condition of your use of this Website, you agree and warrant to My Community Mortgage that you will not use or access this Website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. If your use or access violates any law or any of these terms or conditions, your permission to use the Website automatically terminates.

Website Security

You are prohibited from violating or attempting to violate the security of the Website, including, without limitation: (a) accessing data not intended for your viewing or logging into a server or account which you are not authorized to access; (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization; or (c) attempting to interfere with service to any user, host or network. Violations of system or network security may result in civil or criminal liability. My Community Mortgage will investigate occurrences that may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations.

Copyrights and Trademarks

Copyright in the pages and in the screens displaying the pages, and in the information and material therein and their arrangement is owned/licensed by My Community Mortgage, unless otherwise indicated, and are protected by U.S. copyright laws and international treaties. The copyrighted materials on the Website include, but are not limited to, the text, design, software, images, graphics, source code, and the content on the Website. You are authorized to view the information available on the Website for your informational purposes only. If you download any information from this site for your personal reference you shall not obscure any copyright, trademark or other notices, and you acknowledge and agree that you do not acquire any ownership rights by downloading copyrighted material. You may not copy, republish, redistribute, transmit, participate in the transmission of, create derivatives of, alter, edit or exploit in any manner any material including by storage on retrieval systems, without the express written permission of My Community Mortgage. Deliberate misuse of this site is expressly prohibited and My Community Mortgage reserves the right to terminate your access to this site at any time for any reason and to advise the legal authorities of any misuse of this site, including, without limitation, hacking and the introduction of viruses or other malware. My Community Mortgage is a federally registered trademark, or a Common Law trademark or tradename, owned by My Community Mortgage. You may not use, copy, display, distribute, modify or reproduce any of the trademarks found on the Website except as authorized in this paragraph. You may not use any of the My Community Mortgage trademarks as a link to the Website except pursuant to a written trademark license agreement.

Email & Online Information Requests

Please note that messages you send My Community Mortgage by e-mail may not be secure and My Community Mortgage recommends that you do not send any confidential information to My Community Mortgage by e-mail. If you choose to send confidential information to My Community Mortgage via e-mail, you accept all risk that such information may be intercepted by a third party.

By submitting your information to My Community Mortgage through this Website or by any other method, you are inquiring about loan products and/or other My Community Mortgage services and give My Community Mortgage permission to contact you via e-mail, telephone, letter, fax or using any other information you provide, regardless of registration with any federal, state or local Do Not Call list, Do Not Mail list, or any other comparable list or registry.

Communications with My Community Mortgage

By submitting any comment, complaint, suggestion, improvement, idea, testimonial or other communication ("Submission" or collectively "Submissions") to My Community Mortgage through this Website or any other method, you acknowledge and agree that any and all Submissions, and all rights therein, become the sole and exclusive property of My Community Mortgage, including any future rights, regardless of any subsequent modification or deletion of the provisions in the Terms of Use. You acknowledge and agree that you irrevocably disclaim any right in the Submission and that the right to use, publish, display, commercially exploit, and create derivative ideas based on the Submission belong exclusively to My Community Mortgage with no compensation, notice, credit or other obligation being due or owed to you or anyone else.

My Community Mortgage reserves the right to record and monitor any and all communications to My Community Mortgage. By communicating with My Community Mortgage through any means, you consent to such communications being recorded and monitored.

Privacy

My Community Mortgage understands the need to safeguard your information from unauthorized use and disclosure. Please see the My Community Mortgage Privacy Policy by clicking on the link at the bottom of the Website.

General

My Community Mortgage reserves the right to modify these Terms of Use at any time without notice, but the most current version of the Terms of Use will always be available to you by clicking on the link at the bottom of the Website. By continuing to use the Website and the services available through it, after the date of any change to these Terms of Use, including accessing the Website, you agree to be bound by the rules contained in the most recent version of this Agreement.

Governing Law

You agree that these Terms of Use shall be governed by and construed in accordance with the laws of the State of Colorado, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these Terms of Use or the use of this website shall be filed only in the state or federal courts located in Denver, Colorado, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.

Severability

You agree that if any provision of these Terms of Use shall be found to be unlawful or void, or for any reason unenforceable, then that provision shall be deemed severable from the other provisions of these Terms of Use and shall not affect the validity and enforceability of such other provisions.

Contact and Violations

Please contact us with any questions regarding these Terms of Use. Please report any violations of the Terms of Use to chuddleston@mychomeloans.com.

This Privacy Statement describes how My Community Mortgage uses the information you provide.

Information Gathered

You may choose to provide information about yourself in order to be contacted by My Community Mortgage or receive a response to your question or inquiry. Such information may include the following:

• Your name
• Your company name
• Contact information including an email address
• Other information you choose to provide via a telephone call, letter or e-mail

Use

Primarily, the information you provide will be used to contact you. By providing information to My Community Mortgage through this Website, a telephone call, an e-mail or letter, you authorize My Community Mortgage to engage in the following uses of your information:

• to improve its products and services
• to periodically market its products and services, telemarket its products and services, and send promotional emails and advertisements
• to contact you

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Security

My Community Mortgage has measures in place directed to safeguarding the information you provide. Such measures include, but are not limited to, implementing policies and procedures regarding data security. Please note, no data transmission over the Internet or any wired or wireless network can be guaranteed to be 100% secure. My Community Mortgage recommends you do not send any confidential information and/or nonpublic personal information by e-mail. If you choose to send confidential information and/or nonpublic personal information to My Community Mortgage via e-mail, you accept all risk that such information may be intercepted by a third party.

Web Technologies

A "cookie" is a small file that is assigned by the web server to your computer. The use of cookies allows My Community Mortgage to identify which pages of the site are accessed. That information is then used to improve the Website and your online experience. Assigning a cookie to your computer does not provide My Community Mortgage access to your computer or any of the information contained on your computer and your computer is not harmed by My Community Mortgage use of cookies. Most web browsers afford you the option of modifying your settings to reject cookies should you choose. However, declining cookies may interfere with your ability to take full advantage of the features of this Website.

Change in Control

Your information may be transferred in connection with a sale, merger, transfer, exchange or other disposition (whether assets, stock or otherwise) of all or a portion of the business of My Community Mortgage. You will have the opportunity to opt-out of further secondary use of your information following any such change in control.

Third-Party Links

You might find links to third party websites on this Website. These websites should have their own privacy policies which you should read and understand before using their site. My Community Mortgage does not accept any responsibility or liability for their policies or for the security of information you submit through a third-party website whatsoever as My Community Mortgage has no control over third-party websites.

Changes to Our Privacy Statement

My Community Mortgage reserves the right to modify this Privacy Statement at any time without notice, but the most current version of the Privacy Statement is available to you by clicking on the link at the bottom of this Website. By continuing to use the Website and the services available through it, after the date of any change to this Privacy Statement, including accessing the Website, you agree and acknowledge acceptance of the Privacy Statement in its most current version.

Terms and Conditions

Please see Terms and Conditions for other details that are applicable to and regard your use and access of this Website.

Agreement

By using this Website, you agree to My Community Mortgage Privacy Statement and to the use of the information My Community Mortgage receives and collects as stated herein and in ways My Community Mortgage may notify you of in the future. By providing any personal information to this site, you acknowledge that you fully understand and consent to the collection and processing of such information. My Community Mortgage reserves the right at its discretion to modify this Privacy Statement at any time. Your continued use of this site following the posting of changes to these terms indicates your acknowledgment and acceptance of all changes.

Questions?

Should you still have questions regarding My Community Mortgage use of your information, you may contact My Community Mortgage using the below information:

Email: chuddleston@mychomeloans.com

Loan Officer: Chris Huddleston (NMLS #513866) is an authorized originator sponsored by My Community Mortgage (Company NMLS #2408499).

Company: My Community Mortgage

My Community Mortgage is a mortgage company. Chris Huddleston is a licensed mortgage loan originator. Licensing information is available through the Nationwide Multistate Licensing System (NMLS) at NMLS Consumer Access.

Important Disclosures:

• Not all applicants will qualify for all loan programs.
• Rates, fees, and programs are subject to change without notice based on market conditions and underwriting approval.
• My Community Mortgage Company is Licensed in Texas and other states with NMLS 2408499.

FOR TEXAS CONSUMERS ONLY:

• Figure: 7 TAC §57.200(c)
  
  TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV.
• THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUNDMUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.

Failure to Provide Required Information in an Advertisement

The Mortgage Company’s advertisements failed to display the required information, including the Texas Consumer Complaint/Recovery Fund Notice (TX Notice). Regulation 7 Texas Administrative Code §80.203(b)(2) states that any advertising of residential mortgage loans or for residential mortgage loan origination services must contain the name of the mortgage company followed by the mortgage company’s NMLS identification number and the name of the sponsored originator followed by the sponsored originator’s NMLS identification number. Regulation 7 Texas Administrative Code §80.200(b) requires the Notice to be posted in a conspicuous fashion on each website and social media site of the mortgage company or sponsored originator. Texas Finance Code §180.151 requires the unique identifier of a person originating a residential mortgage loan to be clearly shown on each residential mortgage loan application form, solicitation, or advertisement, including business cards and websites.

For questions about licensing, disclosures, or your mortgage options, contact Chris Huddleston at (956) 489-1419 or chuddleston@mychomeloans.com.