Privacy Policy

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Effective Date: January 1, 2025

United Mortgage of America, LLC (“we,” “our,” or “us”) values the trust you place in us and is committed to protecting your privacy. As we continue to expand and improve our services, we recognize the importance of safeguarding the confidentiality and security of our customers’ personal information. This Privacy Policy describes how we collect, use, disclose, and protect your nonpublic personal information (“NPI”). It applies to information we obtain in connection with providing financial services and operating our website.

1. Our Commitment to Privacy

Protecting your personal information is fundamental to our business. We maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to guard your nonpublic personal information. All employees are required to adhere to strict confidentiality standards.

2. Information We Collect

We collect nonpublic personal information about you from a variety of sources as necessary to conduct business and provide services. This includes, but is not limited to:

a. Information You Provide Directly to Us

When you complete applications or forms online or in person

Through phone calls, email correspondence, or in-person meetings

Via our website or affiliated partner platforms

Examples include:

Name, address, email, phone number

Social Security Number, date of birth

Employment and income information

Credit history and financial details

b. Information About Your Transactions With Us or Others

Loan terms and payment history

Account balances and communications

Application status and approval conditions

c. Information From Consumer Reporting Agencies

Credit scores, credit reports, and payment history

Public records and inquiries related to your creditworthiness

d. Information From Third Parties

Employers, financial institutions, or other entities to verify your income, employment, or deposits

Lenders providing feedback or decisions on applications you submit through us

3. How We Use Your Information

We use your information to:

Process loan applications and provide mortgage-related services

Verify your identity and assess creditworthiness

Communicate with you about your account or inquiries

Fulfill legal, regulatory, or contractual obligations

Improve our services, technology, and customer experience

4. Information We Disclose

We do not sell your personal information. We may disclose nonpublic personal information to third parties in the following circumstances with your consent:

To service providers or partners assisting with loan processing, underwriting, compliance, or customer service

To credit bureaus, government agencies, or regulators as required by law 

In connection with a sale, merger, or acquisition of all or part of our business

Your information will be retained only as long as necessary to fulfill the purpose for which it was collected, or as required by law.

5. Confidentiality and Data Security

We restrict access to your information to those employees and service providers who need to know that information to provide services. We maintain data security measures in accordance with federal standards, including encryption, secure data storage, and access controls.

6. Third-Party Websites

Our website may contain links to third-party sites. We are not responsible for the content, privacy practices, or security of those websites. We encourage you to review the privacy policies of any site you visit independently.

7. Your Consent

By using our website or submitting information to us, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy.

8. Policy Updates

We reserve the right to update or modify this Privacy Policy at any time. Changes will be effective immediately upon posting on our website. We encourage you to review this page periodically to stay informed.

9. Contact Us

If you have any questions or concerns about this Privacy Policy or how your information is handled, please contact us at:

United Mortgage of America, LLC
9820 Northcross Center Court, Suite 209
Huntersville, NC 28078
Email: Info@UnitedMtg.net
Phone: 800-579-1622