Privacy Policy & Compliance Information

The Smith Mortgage Group complies fully with the Fair Credit Reporting Act (FCRA) and other federal and state credit reporting laws. We are committed to maintaining the accuracy, confidentiality, and appropriate use of consumer information.

Our procedures ensure that:

• We obtain consumer reports only for permissible purposes
• We provide required disclosures when taking adverse action based on credit information
• We maintain reasonable procedures to ensure maximum possible accuracy of reported information
• We investigate disputes regarding the accuracy of information within 30 days as required by law

At The Smith Mortgage Group, we respect your privacy and are committed to protecting your personal information. This privacy policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

Information We Collect

We may collect personal information such as your name, email address, phone number, Social Security number, income information, credit history, and property information when you apply for a mortgage or request our services.

How We Use Your Information

We use your information to:

• Process your mortgage application and determine loan eligibility
• Provide you with information about mortgage products and services
• Comply with legal and regulatory requirements
• Improve our website and services
• Communicate with you about your application and our services

Information Sharing

We do not sell your personal information to third parties. We may share your information with:

• Lenders and investors to process your mortgage application
• Service providers who assist us in our operations
• Government agencies as required by law
• Credit bureaus to report your payment history

The Smith Mortgage Group is licensed to conduct mortgage lending activities in all 50 states and maintains compliance with state-specific regulations. Below is a partial list of our state licenses:

For complete licensing information in your state, please contact us using the information below. All our loan officers are properly licensed in the states where they conduct business.

The Smith Mortgage Group is committed to fair lending and equal opportunity in housing. We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age, disability, or receipt of public assistance.

Our underwriting decisions are based solely on legitimate financial factors including credit history, income, employment, assets, and property value.

The Smith Mortgage Group operates as a mortgage broker in certain states and as a mortgage lender in others. As a mortgage broker, we work with multiple lenders to find the best loan options for our clients.

When we act as a mortgage broker, we:

• Shop multiple lenders to find competitive rates and terms
• Provide you with loan options from various lenders
• Help you complete your application and gather required documentation
• Guide you through the mortgage process from application to closing

Our goal is to find you the best mortgage solution whether we act as a broker or a lender. We will clearly disclose our role in your transaction and any compensation we receive.