LICENSE, DISCLOSURES & HOW TO FILE COMPLAINTS

•  You have the right to file a complaint against Residential Mortgage Loan Originators, Mortgage Companies, Financial Services Companies, Auxiliary Mortgage Loan Activity Companies, and Independent Contractor Loan Processors and Underwriters licensed under Texas Finance Code Chapter 156, Residential Mortgage Loan Company and Residential Mortgage Loan Originator Licensing and Registration Act; 

• If you wish to file a complaint against Ethos Mortgage LLC. or any of its Mortgage Loan Officers please click the link below to be directed to the Texas Department of Savings and Mortgage Lending's complaint's page.

• https://www.sml.texas.gov/consumers/complaints/

Privacy Policy at Ethos Mortgage, LLC

• Protecting Your Personal and Financial Information
• At Ethos Mortgage, LLC, we take the privacy and security of our Texas customers very seriously. This Privacy Policy outlines how we collect, use, and safeguard your personal and financial information in compliance with applicable state and federal laws.
• Information Collection
• We collect essential personal and financial information to provide you with the best mortgage loan services. The types of information we may collect include:
• Personal Information: Name, address, phone number, and email.
• Financial Information: Social Security number, income details, rental history, and employment information.
• Credit Information: Data from credit reporting agencies and other trusted third-party sources.
• Information Use
• The information we gather is utilized for the following purposes:
• Processing Applications: To efficiently process and approve your mortgage loan application.
• Marketing Communications: We may use your information for marketing purposes, but only with your prior written consent.
• Information Sharing
• At Ethos Mortgage, LLC, we respect your privacy. We do not sell or share your personal or financial information with third parties, except in the following cases:
• Legal Requirements: As required by law.
• Loan Servicing: To service your loan, we may share information with credit reporting agencies or government entities involved in the loan process.
• Information Security
• We implement strict security measures to protect your personal and financial information from unauthorized access, disclosure, or misuse. Our security protocols include:
• Data Encryption: Protecting sensitive information during transmission.
• Access Controls: Limiting access to your information to authorized personnel only.
• Regular Audits: Conducting regular audits to ensure compliance with our privacy standards.
• Your Rights
• As a customer, you have rights regarding your personal information, including the right to access, correct, or request the deletion of your data. If you have any concerns about your information or our privacy practices, please contact us.

• Contact Us
• For any questions or concerns regarding this Privacy Policy or our data practices, please reach out to us:
• 
  
• Ethos Mortgage, LLC
• Phone: 555-555-5555
• Email: info@ethosmortgage.com
• 6575 W. Loop South #500

Bellaire, TX 77401                 

• WE DO NOT DISCRIMINATE IN HOUSING

• FAIR HOUSING 
• https://www.tdhca.state.tx.us/fair-housing/

• ADA COMPLIANT
• https://www.ada.gov/resources/disability-rights-guide/#:~:text=The%20Fair%20Housing%20Act%2C%20as,State%20and%20local%20government%20housing.

• Purpose of the Texas Mortgage Recovery Fund
• The Texas Mortgage Recovery Fund (TMRF) is designed to protect consumers in the mortgage industry by providing financial assistance to individuals who have suffered losses due to the actions of licensed mortgage professionals. Established under the Texas Finance Code, the Fund aims to promote ethical practices within the mortgage industry and ensure that consumers have a recourse for claims against mortgage brokers and loan officers who engage in fraudulent or dishonest conduct.

• Key Objectives of the Texas Mortgage Recovery Fund:

• Consumer Protection: The Fund provides a safety net for consumers who have suffered financial losses due to the misconduct of mortgage professionals.

• Promoting Ethical Practices: By holding mortgage professionals accountable, the TMRF encourages higher ethical standards and practices within the industry.

• Financial Recourse: Consumers can file claims against the Fund to recover losses that are not recoverable through other means, ensuring they have a path to restitution.

• At Ethos Mortgage, LLC, we are committed to upholding the highest standards of integrity and professionalism in all our transactions. 
• We encourage our clients to familiarize themselves with the Texas Mortgage Recovery Fund and its benefits as part of their journey toward homeownership.

• https://www.sml.texas.gov/consumers/recovery-fund-claims/

What are the requirements for getting a home loan?