Privacy Policy

We take our clients' financial privacy very seriously. During the course of processing your application, we accumulate non-public personal financial information from you and from other sources about your income, your assets, and your credit history in order to allow a lender to make an informed decision about granting you credit.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

We collect nonpublic information about you from the following sources: (i) information we receive from you on applications or other forms; (ii) information about your transactions with us, our affiliates, or others; and (iii) information we receive from a consumer reporting agency.

All financial companies need to share Customers personal information in order to process and close your mortgage loan. Therefore, we do disclose your personal information to pre-vetted vendors to perform certain required functions who have high safe guards in order to prevent your information from being further shared. We also may use your information for us only to market products and services to you in the future. But Universal Mortgage and Finance, Inc. does not share your personal information to any other companies or affiliates other than for the sole purpose to process and close your mortgage loan.