At Pacific Home Loans we are dedicated to upholding a strict code of ethics and business practices. In doing so, we work hard to respect and protect our customers’ privacy and security. We have listed below how we will use customer information and the forms of contact you could expect from Pacific Home Loans.
All personal and financial information acquired by Pacific Home Loans is used to process your loan. We will never rent, sell, or share any personal information to third party marketers and will only share information that is required to close your loan. Pacific Home Loans will not share personal information with other divisions of Pacific Home Loans, Inc.
From time to time we may use third party advertising companies, to serve ads on our behalf across the Internet. Such advertising companies may collect anonymous information about your visits to our Web site and your interaction with our ads. For instance, it may keep track of how many of our ads you had seen before visiting our site. This is primarily accomplished through ad-serving software, including cookies and Action Tags (commonly referred to as a Web Beacons or GIF tags), which we place on various places within our Web site.
None of Pacific Home Loans’s contracted advertising companies collect personally identifiable information through the use of ad-serving software or technologies. From time to time, we may share anonymous information with our advertising companies in an aggregate form, for purposes of analysis and improvement of our site.
Pacific Home Loans’s contracted advertising companies may use information about your visits to this and other Web sites in order to provide ads about goods and services of interest to you.
Pacific Home Loans also partners with other third parties to provide specific services required in the processing of your loan. The information that is shared with our third parties is done so in order to acquire credit reports, appraisals, titles and lending. We share names, or other contact information that is necessary for the third party to provide these services. These third parties are not allowed to use personally identifiable information except for the purpose of providing these services.
Some of the Information Provided by You and Collected by Pacific Home Loans:
Client name, address, employment history, income, credit balances, property insurance coverage and other representations made by the client.
Client payment history, account balance and other transactional information.
Information obtained from consumer credit-reporting agencies (including credit history and creditworthiness).
Pacific Home Loans takes every precaution to protect our users’ information. When users submit sensitive information via the Web site, their information is protected both online and off-line. When our application form asks users to enter sensitive information, it is encrypted and is protected with the best encryption software in the industry – SSL (Secure Sockets Layer). While on a secure page, the lock icon on the bottom of Web browsers such as Netscape Navigator and Microsoft Internet Explorer becomes locked.
By submitting your name, email address and phone number anywhere on pacifichomeloan.com you will receive phone calls and emails regarding your interest in Pacific Home Loans. We also partner with companies such as Zillow, LoanSifter and BankRate. If Pacific Home Loans receives your information through such third party brokers, you will receive phone and email correspondence regarding your interest in a mortgage. Pacific Home Loans will contact you via email and phone during your loan process as needed to complete your loan. We may also contact you in the future to provide information regarding other financial or consumer products that we feel may interest you. You may opt-out of any correspondence which is not directly linked to your transaction by clicking on the manage email subscriptions link in any non-transactional email. Customers may not opt-out of emails directly related to their transaction with Pacific Home Loans.