Contingent vs Pending Property Listings
Throughout your house hunting journey, you’re likely to come across the terms “pending” and “contingent”. While they may seem interchangeable, these terms describe two different stages of the real ...
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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; (iii) information we receive from a consumer reporting agency; and (iv) information we receive from you, voluntarily, such as your e-mail address and any information contained in your e-mail messages.
We do not disclose any nonpublic information about our customers or former customers to any third party, except as permitted by law. We do not share your nonpublic information with third parties to market their products to you. We may disclose information received on your application or other forms such as your name and address to companies that market our products on our behalf.
If you have any questions regarding this policy, please contact Summit Mortgage Corporation at 800-466-3133.
This CALIFORNIA PRIVACY POLICY: INFORMATION FOR CALIFORNIA RESIDENTS supplements the information contained in Summit’s Privacy Policy above (https://www.summit-mortgage.com/privacy-policy/), and applies solely to visitors, users, and others who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”), as amended by the California Privacy Rights Act of 2020 (“CPRA”), and other California privacy laws.
The CCPA requires us to disclose certain information regarding our collection, use, and sharing of personal information.
Collecting Your Personal Information
In the past 12 months, we have collected the following categories of personal information:
We may collect your personal information for the following business or commercial purposes:
In the past 12 months, we have collected personal information from the following categories of sources:
Disclosing Your Personal Information for a Business or Commercial Purpose
We do not sell or share your personal information with any third parties, as those terms are defined under the CCPA. We may disclose your personal information to our service providers and contractors in order to conduct specific business or commercial purposes.
In the preceding 12 months, we have disclosed the following categories of consumer personal information for business or commercial purposes to the following categories of service providers and contractors:
We implement reasonable security procedures and practices appropriate to the nature of your personal information to protect it from unauthorized or illegal access, destruction, use, modification, or disclosure.
We will retain your personal information for the period necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by law.
The criteria used to determine our retention periods include:
If you are a California resident, California law permits you to request information regarding the:
In addition, if you are a California resident you may:
You will not be discriminated against for exercising your rights under the CCPA.
You can make requests related to your California privacy rights by clicking on the applicable hyperlink(s) below, or by visiting: https://ccparequests.summit-mortgage.com/.
You may also make those requests by calling 1-800-466-3133 or by sending an email to: Compliance@summit-mortgage.com
Please be aware that we do not accept or process requests through other means.
When you make a request, we may ask you to provide verifying information, such as your name, email, or phone number. We will review the information provided and may request additional information via email or other means to ensure we are interacting with the correct individual. Please also be aware that making any such request does not ensure complete or comprehensive removal or deletion of Personal Information or content you may have posted, and there may be circumstances in which the law does not require or allow us to fulfill your request.
Our Services are not directed to children, and we do not knowingly collect Personal Information from children under the age of 16. If you learn that a child has provided us with Personal Information, then you may contact us as indicated above.
This Notice was last updated on December 28, 2022.
We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
This PRIVACY NOTICE FOR CALIFORNIA RESIDENTS – EMPLOYEES AND JOB APPLICANTS applies solely to job applicants, employees, owners, directors, officers, medical staff members or contractors of Summit Mortgage Corporation who are California residents (”consumers” or “you”). As a California resident, you are entitled to the same privacy rights described in our above California Privacy Policy: Information for California Residents
California Civil Code Section 1798.100 provides that we must inform you of the categories of personal information to be collected from you and the purposes for which the information will be used:
Category of Personal Information: IDENTIFIERS | |
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Examples: A real name, alias, postal address, unique personal identifier, online identifier, IP address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers. | Purpose: We collect this information to process your application for employment, to determine your eligibility for employment, to process employee work-related claims, to administer pay and benefits, and to compile company directories. |
Category of Personal Information: PERSONAL INFORMATION CATEGORIES DESCRIBED IN THE CALIFORNIA CUSTOMER RECORDS STATUTE (Cal. Civ. Code §1798.80(e)) | |
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Examples (some of these overlap with other categories): A name, signature, social security number, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. | Purpose: We collect this information to process your application for employment, to determine your eligibility for employment, to assess qualifications for a job or task, to process employee work-related claims, to compile company directories, and to administer pay and benefits. |
Category of Personal Information: CHARACTERISTICS OF PROTECTED CLASSIFICATIONS UNDER CALIFORNIA OR FEDERAL LAW | |
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Examples: Age, race, citizenship, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), veteran or military status. | Purpose: We collect this information for purposes of complying with applicable labor or employment statutes and to administer pay and benefits. |
Category of Personal Information: PROFESSIONAL OR EMPLOYMENT-RELATED INFORMATION | |
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Examples: Any professional or employment-related information including current or past job history or performance evaluations. | Purpose: We collect this information to evaluate your application for employment, to assess qualifications for a job or task, to report on company metrics, to compile directories, and to conduct performance and goal reviews. |
Category of Personal Information: INTERNET OR OTHER ELECTRONIC NET WORK ACTIVITY INFORMATION | |
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Examples: Browsing history, search history, IP address, mobile device identifier, cookies, use of IT resources, and information regarding a consumer’s interaction with an internet website, application, or advertisement. | Purpose: We collect this information for disaster recovery, business continuity and record keeping obligations and to comply with applicable law or regulatory requirements such as legal (state and federal) and internal company reporting obligations. |
Category of Personal Information: SENSITIVE PERSONAL INFORMATION | |
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Examples: Social Security number, driver’s license number, and passport number; credit/debit card number with expiration date and security code (CVV); financial account number and routing number; username and password; and precise geolocation data. | Purpose: We collect this information to process your application for employment, to determine your eligibility for employment, to process employee work-related claims, to administer pay and benefits, to comply with record keeping obligations and applicable law and internal company reporting obligations. |
This Notice was last updated on December 28, 2022. We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
Summit Mortgage Corporation – Licensing
NMLS ID # 1041 (www.nmlsconsumeraccess.org)
Licensed in Indiana, North Carolina, Oregon, Utah and Washington as Summit Home Mortgage, Inc.
Summit Mortgage Corporation is an Equal Housing Lender.
STATE | LICENSE TYPE | LICENSE NUMBER |
---|---|---|
Arizona | Mortgage Banker | 1038277 |
California | Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act | 413 0421 |
Colorado | Mortgage Company Registration Regulated by the Division of Real Estate |
N/A |
Delaware | Lender License | 038223 |
Florida | Mortgage Lender Servicer | MLD879 |
Georgia | Georgia Residential Mortgage Licensee | 1041 |
Idaho | Mortgage Broker/Lender | MBL-6056 |
Illinois | Residential Mortgage License For licensing information, go to: www.nmlsconsumeraccess.org |
MB.6850052 |
Indiana | DFI Mortgage Lending License | 65606 |
Iowa | Mortgage Banker License | 2023-0143 |
Louisiana | Residential Mortgage Lending License | N/A |
Maryland | Mortgage Lender | 1041 |
Michigan | 1st Mortgage Broker/Lender/Servicer Registrant | FR0024812 |
Michigan | 2nd Mortgage Broker/Lender Registrant | SR0025760 |
Minnesota | Residential Mortgage Originator This is not an offer to enter into an agreement. Any such offer may only be made in accordance with the requirements of Minn. Stat. Section 47.206 (3) and (4) |
MO20184286 |
Montana | Mortgage Lender | 1041 |
Montana | Mortgage Servicer | 1041 |
New Jersey | Residential Mortgage Lender Licensed by the N.J. Department of Banking and Insurance |
N/A |
New Jersey | RMLA-Licensed Mortgage Servicer Registration | N/A |
North Carolina | Mortgage Lender License | L-215918 |
North Dakota | Residential Mortgage Lender | ML104586 |
North Dakota | Residential Mortgage Loan Servicer | MS104587 |
Oregon | Mortgage Lending | ML-2644 |
Pennsylvania | Mortgage Lender | 21338 |
Pennsylvania | Mortgage Servicer License | 67670 |
South Carolina | BFI Mortgage Lender / Servicer License | MLS – 1041 |
South Dakota | Mortgage Lender | 1041.ML |
Texas | Mortgage Banker Registration (See notice below) | 43597 |
Utah | Mortgage Entity License | 12153643 |
Utah | Residential First Mortgage Notification | N/A |
Virginia | Mortgage Lender/Broker NMLS ID #1041 (www.nmlsconsumeraccess.org) |
MC-2396 |
Washington | Consumer Loan Company | CL-1041 |
Wisconsin | Mortgage Banker | 15272BA |
Wisconsin | Mortgage Broker | 1041BR |
Wyoming | Mortgage Lender/Broker License | 4129 |
Wyoming | Consumer Lender License | CL-4376 |
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV.
This notice only applies to the residential mortgage loans on real estate located in Texas:
COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE SENT TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TX 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 877-276-5550.
A complaint form and instructions may be downloaded and printed from the Department’s website located at www.sml.texas.gov or obtained from the department upon request by mail at the address above, by telephone at its toll-free consumer hotline listed above, or by email at smlinfo@sml.texas.gov.
Throughout your house hunting journey, you’re likely to come across the terms “pending” and “contingent”. While they may seem interchangeable, these terms describe two different stages of the real ...
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