Legacy Home Loans, L.L.C. is committed to protecting the privacy of our customers; nonpublic personal information. This Privacy Statement provides our customers (you) with basic information relating to the types of nonpublic personal information we collect, how we use the nonpublic personal information we collect, how we disclose the nonpublic personal information we collect, and how we safeguard the nonpublic personal information we collect. From time to time, we will update this Privacy Statement to reflect changes in our policies and practices.
Our Collection of Nonpublic Personal Information
In order to provide the many services Legacy Home Loans, L.L.C. offers, we will need to obtain certain nonpublic personal information. We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms;
- Information about your transactions with us, our affiliates, or others; and
- Information we receive from consumer reporting agencies (credit bureaus).
Credit Bureau Reports
Legacy Home Loans, L.L.C. uses credit bureau reports in order to evaluate our customers & creditworthiness and to protect our customers from fraudulent conduct.
Therefore, we may obtain a credit bureau report about you when you apply for or obtain any financial products and services from us, including the making of your mortgage loan. This report contains information pertaining to your credit history. This information will only be used for such purposes.
Sharing of Personal Information
We do not disclose nonpublic personal information about our customers or our former customers to anyone except as permitted by law or as otherwise disclosed in this Privacy Statement.
In certain circumstances, opportunities with non-affiliated third parties may arise that we believe may be of interest and benefit to you. We may disclose all of the nonpublic personal information we collect to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We may share your nonpublic personal information with unaffiliated third parties who perform services for us and with unaffiliated third parties who perform services related to products and services that you already have or have requested from us.
Legacy Home Loans, L.L.C. will disclose nonpublic personal information about you to non-affiliated third parties in response to a court order or other lawful request by a government or regulatory agency to protect against misuse or unauthorized use of our site, to limit our legal liability, to enforce or apply our rights and agreements or as otherwise permitted by law. We may also disclose nonpublic personal information to credit bureaus and similar organizations and may exchange personal information with reference sources and clearinghouse services for purposes of fraud protection and credit reporting and verification. In addition, we may transfer your nonpublic personal information in the event of a change of control of our company or a transfer of the business assets to which your nonpublic personal information relates.
We are not responsible for the privacy practices of any third parties or their websites, which may differ from this Privacy Statement. We encourage you to review the privacy statement of each and every site that collects information from you in order to be informed of their privacy and security practices.
We will not sell or distribute any nonpublic personal information about you to an unaffiliated third party in any circumstances other than those listed above.
5822 S 900 E | Salt Lake City, UT 84121
Legacy Home Loans, L.L.C. and its loan officers are not liable for information, claims, or agreements made by/between the public and third-party entities. These third-party entities may include but are not limited to: real estate agents/REALTORS®, builders, or developers. Any information provided by independent vendors and data feeds may contain errors, outdated information or purchase conditions, promotions, incentives, and/or possible omissions. Legacy Home Loans makes efforts to update the information contained but cannot guarantee the accuracy of the information provided. We encourage buyers to complete their own due diligence in making a decision to build or purchase a home. We suggest that you seek the professional representation and/or advice of a licensed REALTOR®, as well as any other licensed professionals that are appropriate to your purchase decision, including but not limited to: attorneys, accountants, or certified financial planners. Visitors to this site are responsible for the use and decisions made regarding the purchase of a home with regard to the information contained herein.
No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Borrower approvals are subject to program guidelines, interest rates, and underwriting guidelines and are subject to change without notice based on applicant’s current eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan, and a reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant.