Privacy & compliance
Privacy Policy and Mortgage Compliance Information
The Smith Mortgage Group protects the personal information you share with us and follows the federal and state laws that govern mortgage lending. This page explains our privacy policy, your credit reporting rights, our fair lending commitments and how to verify our licensing.
FCRA compliance
Fair Credit Reporting Act
We comply with the Fair Credit Reporting Act (FCRA) and with other federal and state laws that regulate consumer credit information. Our obligation is to keep that information accurate, confidential and used only for appropriate purposes.
Under the FCRA, you have the right to know what information is reported about you to the credit bureaus, to dispute anything inaccurate and to be notified when adverse action is taken based on your credit report. Our procedures are designed so that:
- Consumer reports are obtained only for a permissible purpose
- Required notices are provided whenever adverse action is based on credit information
- Reasonable procedures support the maximum possible accuracy of reported information
- Disputes about the accuracy of information are investigated within 30 days, as the law requires
Privacy policy
How We Protect Your Information
We respect your privacy. This policy describes how we collect, use, disclose and safeguard information when you visit this website or use our mortgage services.
Information we collect. When you apply for a mortgage or request our services, we may gather details such as your name, contact information, income, credit history and information about the property, together with anything else you choose to provide through a form, call or email.
Use of information
How Your Information Is Used
- Processing your mortgage application and determining loan eligibility
- Sharing information about mortgage products and services that may interest you
- Meeting legal and regulatory obligations
- Improving this website and the services we offer
- Communicating with you about your application and our services
Information sharing
When Information Is Shared
We do not sell your personal information to third parties. We may share it with lenders and investors to process your application, with service providers that support our operations, with government agencies when the law requires it and with credit bureaus to report payment history.
Because a loan application involves sensitive documents, please send paperwork only through the secure channels we provide. Our document checklist explains what is typically requested and why.
Licensing
Licensing Information
The Smith Mortgage Group is a division of First Community Mortgage, Inc. (FCM), NMLS #629700. Sterling Smith, VP & Branch Manager, holds NMLS #1726806. Mortgage lending activity is conducted in all 50 states in line with each state's licensing rules, and our loan officers are licensed in the states where they do business.
You can confirm licensing at any time through NMLS Consumer Access, or contact our team for state-specific licensing details.
Fair lending
Our Fair Lending Practices
We are committed to fair lending and equal opportunity in housing. No applicant is treated differently on the basis of race, color, religion, national origin, sex, marital status, age, disability or receipt of public assistance.
Equal Credit Opportunity Act (ECOA)
We follow ECOA regulations so that every credit applicant is evaluated fairly, using legitimate financial criteria.
Fair Housing Act
We adhere to the Fair Housing Act, which prohibits discrimination in residential real estate transactions. Equal Housing Opportunity.
Home Mortgage Disclosure Act (HMDA)
We collect and report data as HMDA requires, supporting transparency and fair access to mortgage credit.
Disclosure
Mortgage Lending Disclosure
Loan program availability, interest rates, terms and approval depend on borrower qualifications, underwriting and applicable state licensing requirements. Content on this website, including our calculators and tools, is for general information only and is not a commitment to lend or an offer of credit. Rates and terms may change without notice.
Questions About Privacy or Compliance?
Reach The Smith Mortgage Group at 931-205-9873 or sterling.smith@fcmhomeloans.com, or write to 605 Delray Street, Shelbyville, TN 37160.
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