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Our Security and Privacy Policy |
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| Go Back - Home > Our Security and Privacy Policy |
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| FACTS |
WHAT DOES SUN WEST DO WITH YOUR PERSONAL INFORMATION? |
| Why? |
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
| What? |
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and income
- Account balances and payment history
- Credit scores and employment information
When you are no longer our customer, we continue to share your information as described in this notice. |
| How? |
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Sun West chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information |
Does Sun West share? |
Can you limit this sharing? |
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
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Yes |
No |
| For our marketing purposes - to offer our products and services to you |
Yes |
No |
| For joint marketing with other financial companies |
No |
We don't share |
| For our affiliates' everyday business purposes - information about your transactions and experiences |
Yes |
No |
| For our affiliates' everyday business purposes - information about your creditworthiness |
No |
We don't share |
| For our affiliates to market to you |
No |
We don't share |
| For nonaffiliates to market to you |
No |
We don't share |
| Questions? |
Call toll-free, (800) 453-7884 and ask for the Compliance Manager |
| What we do |
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| How does Sun West protect my personal information? |
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Sun West employees are trained in our privacy policy and procedures. Only employees who have a legitimate business reason to access your personal information may do so. |
| How does Sun West collect my personal information? |
We collect your personal information, for example, when you:
- apply for a loan or give us your income information
- provide account information or show your driver's license
- provide employment information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. |
| Why can't I limit all sharing? |
Federal law gives you the right to limit only:
- sharing for affiliates' everyday business purposes-information about your creditworthiness
- affiliates from using your information to market to you
- sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. |
| Definitions |
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| Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Our affiliate, XL Dynamics, Inc., is a nonfinancial company that provides software and information technology services
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| Nonaffiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Sun West doesn't share with nonaffiliates so they can market to you.
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| Joint Marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Sun West doesn't jointly market.
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| Other important information |
If you are a customer in the following states, you may have additional privacy rights under your state's laws:
Alaska, California, Connecticut, Maine, North Dakota or Vermont
Please see the attached Notice for additional important information concerning these rights.
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| - STATE SPECIFIC PRIVACY NOTICE - |
| NOTICE FOR VERMONT RESIDENTS |
The sharing of information practices described above is in accordance with Federal law. Vermong law requires additional disclosures regaurding the information Sun West collects and shares. |
| What information do we collect? |
Information from you - for example:
- Your name, address, and Social Security number
- Your assets and income
Information from your transactions with us - for example:
- Your loan number and balances
- Your payment history
- Other parties to the transaction
Information about your transactions with nonaffiliated third parties- for example:
Information from consumer reporting agencies- for example:
- Your creditworthiness and credit history
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| When does Sun West share information? |
Sun West is permitted by law to disclose information about you to nonaffiliated third parties under some circumstances-
To our nonaffiliated marketing partners.
- We may disclose information about you to nonaffiliated third parties that help us to market our own products and services.
With others, as permitted by law. We may disclose information about you to nonaffiliated third parties when it is permitted by law. For example, we may provide information to third parties that perform services on our behalf, such as:
- title and escrow companies
- non-profit agencies
- to service, process or enforce your loan agreement with us
- to protect the rights, property or safety of Sun West, our customers or others (such as for fraud protection and credit risk reduction)
- to comply with a legal requirement or process
- to consumer reporting agencies
When you are no longer our customer, we continue to share your information as described in this notice. |
| Where can I get more information? |
Call toll-free, (800) 453-7884 and ask for the Compliance Manager |
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Consumer Home Loan Mortgages |
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SWMC offers a wide range of residential home loan mortgage programs to suit different situations such as a purchase, refinance, a property rehabilitation loan or a reverse mortgage at the competitive interest rates.
FHA Purchase at 96.5% Financing, Streamline (Interest Rate Reduction) Refinance, and Cash-Out Refinance, 203(k) Rehabilitation Loan, 203(k) Streamlined Rehabilitation Loan, and the Home Equity Conversion Mortgage (Reverse Mortgage) and USDA Rural Housing mortgages.
If you are a Veteran, Sun West offers you VA guaranteed mortgages for Purchase Loans at 100% Financing, Cash-Out Refinance, and Streamline Interest Rate Reduction Refinance Loans (IRRRL).
You can use our simple mortgage calculator tools to find out your monthly payment, the house you can afford, your refinance options, or the home equity you may be able to access through a reverse mortgage (HECM).
As a full-service mortgage bank, Sun West is one of the few approved direct lenders to provide in-house origination, processing, underwriting, closing, funding, and servicing. Based in California with active presence across the country, Sun West is dedicated to offering exceptional service coupled with integrity, reliability, and experience. |
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| Read More About Consumer Home Loan Mortgages >> |
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Loan Calculators |
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- FHA Purchase Calculator
Calculates the monthly mortgage payment for your home purchase loan, as per prevailing interest rates.
- Reverse Mortgage Calculator
Calculates and compares the available options for HECM products.
- Monthly Payment
Calculates your payment for different loan amounts, interest rates, and amortization terms.
- How Much Can I Afford?
Calculates your maximum mortgage loan amount based upon the monthly home loan payment, interest rate, and term that you enter.
- Should I refinance?
Just enter information about your current mortgage loan and the new loan you're thinking of taking, and we'll calculate your savings.
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Partner Resources |
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Press Releases |
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- 05/15/2012: Sun West Mortgage Company Partners with EGIA to Introduce the FHA PowerSaver Loan Program Read More..
- 12/16/2011: Sun West Mortgage Company and the Cerritos Sheriff Station team up to supply little boys and girls toys this holiday Read More..
- 10/03/2011: Sun West Mortgage Increases Its Reach in New Jersey Read More..
- 4/22/2011: Variable Servicing Margins on Different Participations of the Same Loan for HMBS Issuers Announced by Sun West Mortgage Read More..
- 2/16/2011: Sun West Mortgage Company Crosses $6 Billion Mark in Ginnie Mae HECM Mortgage Backed Securities Read More..
- 10/26/2010: Capital Markets Cooperative and Sun West Mortgage Company Creates New Strategic Alliance Read More..
- 7/14/2010: Sun West Mortgage Issues Green Building Guidelines For Multifamily Projects Nationwide Read More..
- 3/18/2010: Pentagon Federal Credit Union and Sun West Mortgage Announce First in the Nation Approach to Reverse Mortgage Initiative Read More..
- 1/28/2010: Ginnie Mae Hope for Homeowners Securities Issued by Sun West Mortgage Read More..
- 1/28/2010: Sun West Crosses $2 Billion Mark in Ginnie Mae HECM Mortgage Backed Securities Read More..
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| View All Press Releases >> |
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Lender Alerts |
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- 05/16/2012: Introducing SWMC Express: Reduced Overlays and Faster Reviews! Read More..
- 04/18/2012: Reduced FHA Streamline Overlays Read More..
- 04/17/2012: Same Day Underwriting For Fha Streamlines. Submit Your Streamlines Now. All Other Products: 48 Hours Or Less Read More..
- 04/11/2012: Webinar Invitation Streamline Loan Delivery and Purchase with Sun West Read More..
- 04/04/2012: SWMC Service Alert Read More..
- 04/04/2012: SWMC Early Lock Desk Closure Notification Read More..
- 03/22/2012: Additional Reduced Overlays for FHA Streamlines Read More..
- 03/15/2012: SWMC Presents "FHA 203k" Read More..
- 02/22/2012: Sun West Announces Relaxed Guidelines for FHA Streamline Refinances Read More..
- 02/07/2012: SWMC Product Guidelines - FHA Jumbo Update Read More..
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| View All Lender Alerts >> |
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| Careers | Contact Us | Links | Site Map | Terms | Privacy Policy |
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Notice to prospective vendors, service providers, brokers, dealers, trading counter-parties, and corporate partners:
The only persons authorized to enter into contracts on behalf of Sun West Mortgage Company, Inc. are the company's President and Chief Executive Officer.
You may call our corporate office at +1 (800) 453-7884 or e-mail contracts@swmc.com to verify the execution of any contract.
You may visit www.nmlsconsumeraccess.org to verify Sun West's State Licenses. |
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Sun West Mortgage Company, Inc. (NMLS ID 3277) is a licensed Mortgage Lender in the District of Columbia (MLB3277) [(202) 442-7821]; Sun West Mortgage Company, Inc. (NMLS ID 3277) has a Consumer Credit License in Alabama (License# 21015) [(334) 242-3452]; is licensed by the Hawaii Department of Financial Institutions as a Mortgage Loan Originator Company (HI-3277) having a Branch Office (Mortgage Loan Originator Company Branch License HI-719250) in Kapaa, HI (NMLS 719250) [(808) 586-2820]; is licensed as a Mortgage Banker and Mortgage Servicer by the Arkansas Securities Commissioner (License# 40431) [(501) 324-9265]; Licensed by the Mississippi Department of Banking and Consumer Finance (License# 603/2008) [(800) 844-2499]; is a licensed Mortgage Banker in Pennsylvania (License# 21829) [(717) 787-7334]; a mortgage lender in West Virginia (License# ML-23946) [(304) 558-2294]; and licensed as a Residential Mortgage Lender in Wyoming (License# MBL-1902) [(307) 777-6483]; is a licensed Mortgage Lender and Servicer in South Carolina (License# MLS-3277) [(803) 734-2020]; is a licensed Mortgage Banker in Nebraska as dba Cal State Funding, Inc. (License# 1908) [(402) 471-2171]; is licensed in New York as a Mortgage Banker-NYS Banking Department (License# B500897) [(212) 709-3847]; is licensed as an Illinois Residential Mortgage Licensee by the Office of Banks and Real Estate, Mortgage Banking Division, (License# MB.6760356) [(312) 793-1955]; by the Colorado Department of Law Uniform Consumer Credit Code, holding a Supervised Lender’s License (989559) and a Mortgage Company Registration [(303) 866-4527]; licensed Broker by the Virginia State Corporation Commission as (License# MC-4999) [(804) 371-0484]; licensed by the Arizona Department of Financial Institutions registered in Arizona as Sun West Mortgage USA Company, Inc. DBA Cal State Funding and licensed as a Mortgage Banker (License# 0909624), a branch in Chandler, AZ (NMLS ID 167400) and Scottsdale, AZ (NMLS ID 359295) [(602) 771-2800]; is a licensed Mortgage Banker in Iowa (License# 2007-0093) [(515) 281-4014]; is a licensed mortgage lender in Maryland (License# 17740) [(410) 230-6155]; registered in Ohio under the Mortgage Broker Act Mortgage Banker Exemption (MBMB.850093.000) with a branch (NMLS ID 447576) in Westerville, Ohio (License# MBMB.850093.001). [(614) 728-8400]; is licensed as a Mortgage Lender in Montana (License# 3277) [(406) 841-2928]; has a Consumer Loan License in Washington (CL-3277) [(360) 902-8703]; is licensed by the New Hampshire Banking Department as a Mortgage Banker (License # 13604-MB) [(603) 271-8675]; is licensed in Idaho as a Mortgage Broker and Lender (License# MBL-6742) [(208) 332-8002]; an Oregon Mortgage Lender Licensee (License# ML-4599) [(503) 378-4140]; registered by the Tennessee Department of Financial Institutions under the Residential Lending, Brokerage and Servicing Act (License# 3552) [(615) 253-6714]; is licensed in Alaska as a Mortgage Broker and Lender (License# AK3277) [(907) 269-4594]; is a licensed lender in Delaware (State Bank Commissioner License# 9970) [(302) 739-4235]; is licensed by Florida’s Office of Financial Regulation with a Mortgage Lender License (License# MLD266) [(850) 410-9895]; is a Residential Mortgage Loan Broker licensee in Missouri (License# 11-1881-S) [(573) 751-4243]; is a licensed lender in New Jersey (License# 9400980) with a branch office in Denville, NJ (NMLS ID 454915) by the New Jersey Department of Banking [(609) 292-7272]; is registered as a First Mortgage Broker, Lender and Servicer in Michigan for first (License# FR0016085) [(877) 999-6442]; is a First Lien Mortgage Lending licensee with Indiana Department of Financial Institutions (License# 11272) [(317) 232-3955]; is a North Dakota licensed Money Broker (License# MB101661) [(701) 328-9932]; and is licensed as a Mortgage Banker in Wisconsin (License# 212942BA) [(608) 261-7578]; is a licensed lender in Utah (License# 7477238) with a branch license in South Jordan, Utah (NMLS ID 776241) [(801) 530-6297]; is a registered third party servicer in Massachusetts (Registration# LS3277) [(617) 956-1500]; is a licensed Mortgage Lender and Servicer in Puerto Rico (License# IH-138) with a branch license in Guaynabo, Puerto Rico (NMLS ID 516931) [(787) 723-8403]; is licensed in Oklahoma as a Mortgage Broker (License# MB001619) [(405) 521-3653]; is a licensed lender in Vermont (License# 6060) and a licensed Loan Servicer (License# 3277-1) [(802) 828-3307]; registered in New Mexico under the Mortgage Loan Company and Loan Broker Act (License# 03201) doing business as Sun West Mortgage USA, Inc. [(505) 476-4908]; a registered Texas Mortgage Banker (NMLS ID#359295) [(877) 276-5550]; is licensed as a Mortgage Loan Company by the Department of Financial Institutions in Kentucky (License# MC71444) [(800) 223-2579 ]; the Connecticut Department of Banking (Registered in Connecticut as Sun West Mortgage Company, Inc. dba Cal State Funding, Mortgage lender (License# 19683) [(860) 240-8275]; is a licensed Mortgage Lender in Georgia (License# 22591) [(770) 986-1633]; is a licensed Residential Mortgage Originator in Minnesota (License# MN-MO-40020564) [(651) 296-6657]; by the Department of Corporations as a California Finance Lender (License #6030119) with a Branch Office in Corona, CA (NMLS ID 363427) [(866) ASK-CORP] and is licensed by the Department of Real Estate (License #00793885) [(877) 373-4542]; has a Mortgage Company License (License# MC.0025065) in Kansas [(785) 296-2266]; is licensed as a Supervised Lender in Maine (License # SLM9710) [(207) 624-8539]; is licensed as a Residential Mortgage Lender in Louisiana (License# 2713) [(225) 925-4660]; is exempt from licensing as a Wholesale Lender in Nevada [(775) 684-7060]; a South Dakota Licensed Mortgage Lender (License# ML.04740) [(605) 773-3421]; In all states, the principal licensed office of Sun West Mortgage Company, Inc. (NMLS ID 3277) is 18303 Gridley Road in Cerritos, CA 90703; (800) 453-7884. |
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