Privacy policy

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SoLowRates Inc Powered By OBSIDIAN FINANCIAL SERVICES INC has created this privacy statement to demonstrate our firm commitment to privacy.

 

Who we are:

Our website address is:  SoLowRates Inc. 

SoLowRates Inc Powered By OBSIDIAN FINANCIAL SERVICES INC

Comments

When visitors leave comments on the site, we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Cookies

If you leave a comment on our site, you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites:

Articles on this site may include embedded content (e.g., videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Who we share your data with:

If you request a password reset, your IP address will be included in the reset email.

How long we retain your data:

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data:

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where your data is sent:

Visitor comments may be checked through an automated spam detection service.


Security of personal information collected on this site.

This site does not provide facilities to guarantee the secure transmission of information across the Internet. While reasonable efforts are put forward to provide security, users should be aware that there are inherent risks in the transmission of information across the Internet.  


Outside Links:
These sites may, provide links to other websites for your convenience or additional information. Solow Rates is not responsible for any content or practices of these sites. 

Affiliate Links:
This website contains affiliate links.  SoLowRates Inc  may earn a commission should you choose to sign up for a program or make a purchase using my link. Please note that we only recommend tools that we use and love, and we always have my readers' best interest at heart.
Your Rights:
You can request access to the personal information (if any) that we keep on record. If you believe any information that we hold on file is incorrect or out of date, you may request that it be corrected. There is no fee for requesting access to your information. However, we may charge you the reasonable cost of processing your request.  

 RATE DISCLAIMER:

 All loans are subject to credit approval. Interest rates are subject to change daily and without notice. Current interest rates shown our indicative of market conditions and individual qualifications and will vary upon your lock-in period, loan type, credit score, purpose and loan to value.  Rates and APRs are based on the following assumptions PROVIDE LTV RATE ASSUMPTION ETC.   

 LOAN COMMITMENT:

This is not a commitment to make a loan, nor should it be construed as lending advice. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet LTV requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines, and are subject to change without notice based on applicant’s eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over life of loan. Reduction in payments may reflect longer loan term. Terms of the loan may be subject to payment of points and fees by the applicant. Obsidian Financial Services is an Equal Housing Lender NMLS# 1425046.  

NATIONWIDE MULTISTATE LICENSING SYSTEM’S CONSUMER ACCESS WEBSITE:  www.NMLSConsumerAccess.org 

 PROVISION OF A LOAN ESTIMATE: 

OBSIDIAN FINANCIAL SERVICES INC does not require any documentation to complete a loan application or to provide a Loan Estimate.  

 REVERSE MORTGAGE LOAN PRODUCTS AND PROGRAMS:  

 A reverse mortgage, available to borrower(s) age 62 or over, is a loan based upon the current equity in a borrower’s primary residence, with funds disbursed in one lump sum, or over regularly scheduled intervals. As long as the borrower occupies the property as their principal residence, there are no required loan payments, with the loan balance due and payable upon sale, or when the property is otherwise vacated. 

 The borrower DOES RETAIN the responsibility to maintain the property to FHA standards and remain current on ALL taxes (such as property), insurance (such as hazard), dues (such as homeowner association), and other such costs, as these are separate from the reverse mortgage itself, and WILL NOT be paid by the lender.  Borrowers must complete counseling with a government certified counselor before applying. Consult a tax professional for potential tax consequences, and a benefits coordinator for questions about Social Security or Medicare Benefits.  

 UNAFFILIATED VENDORS, COMPANIES, NON-PROFIT ORGANIZATIONS, AND GOVERNMENTAL ENTITIES: 

 Obsidian Financial Services is not affiliated with any other vendor, company, non-profit organization, or governmental entities.  Borrowers may shop for services and are under no obligation to hire the services of individuals or companies recommended by an Obsidian Financial Services employee, or other company recommended by any other individual involved in a transaction (such as Realtor, Title Company, Home Inspector, etc.). Any organizational names and/or logos are trademarks of their respective owners.  

 WHOLESALE BROKERED LOAN PRODUCTS AND PROGRAMS: 

 Obsidian Financial Services may act as a third-party originator and submit loan packages/applications directly to third party lenders for approval.  

 TEXAS APPLICANTS:   

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.GOVWWW.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 WEBSITE AT WWW.SML.TEXAS.GOV. 

Further Information  


For further information about this Privacy Statement, contact Info@SoLowRates.com.