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Privacy Policy

We respect the privacy of our website visitors, clients, contacts, those who answer our surveys, and those who fill out our questionnaires. It is our policy:

  • 1. Purpose of Information. To respect the purpose for which our site visitors give us information. We do not use any personal information for any purpose other than the explicit purpose of communicating and transacting business directly with our clients.

  • 2. Third Party Use. To not sell, rent, or loan our subscriber or client lists to third parties for email marketing. While we reserve the right to advertise in our own email publications, we never give third parties access to our subscriber lists.

  • 3. Unsubscriptions. To send our periodicals only to those who request them (that is, opt-in). We immediately unsubscribe those who request it through convenient unsubscribe links in every emailing. Our welcome message to subscribers and every issue of our newsletters clearly explain how to unsubscribe.

  • 4. Cookies. We may occasionally use cookies to allow visitors to store passwords in cookies if they desire.

  • 5. Security. To store subscriber and password files with personal information in a secure manner. We store such files in areas not accessible to Web browsers using state-of-the-art encryption.

  • 6. Termination. To continue this policy beyond the termination of our company. If a majority portion of the assets of our company were to be acquired by another organization, that might include our subscriber and other lists, but only as part of a clear agreement binding that organization to abide by the spirit and letter of our Privacy Policy.
If you have any concerns or questions about our Privacy Policy or information collected on this site, please contact us and we will reply promptly.
Privacy Policy
First Mortgage: In real estate, a property can have multiple loans or liens against it. The loan which is registered with a county or city registry first is called the first mortgage or first position trust deed. This "first mortgage" is the main loan that all homeowners have when they initially purchase their homes.

In certain situations, a property can have a second, or even third or fourth mortgage, but those are relatively rare. First mortgages have rights and priveleges that second mortgages do not have, which means that any mortgage reduction program that requires a second mortgage offers less legal protection to the homeowner than a first mortgage-based program.

Home Equity Line of Credit: A Home Equity Line of Credit (often called HELOC, pronounced HEE-lock) is a loan in which the lender agrees to lend a maximum amount within an agreed period where the collateral is the borrower's equity in his/her house.

A HELOC differs from a conventional home equity loan in that the borrower is not advanced the entire sum up front. Instead, the borrower uses the line of credit to borrow sums up to the available credit line, similar to a credit card, but at much lower interest rates. Your HELOC funds can be borrowed anytime and for any reason and you pay back only what you use plus interest.

Principle-First Mortgage: A principle-first mortgage is a mortgage that automatically uses every dollar you deposit into your account to pay down your mortgage principal before you pay the bank's interest. This means that every dollar you deposit into your account immediately reduces your mortgage principal and significantly reduces the total interest and time it takes to pay off your mortgage.

This is in contrast to "interest-first" or "front-loaded" mortgages, which force you to pay the bank's interest first and only a small fraction of your payment is applied to your principal during the most crucial early years of your mortgage.