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Privacy Policy

THIS PRIVACY POLICY FORMS A PART OF AND IS INCORPORATED INTO OUR  TERMS OF USE AND IS PART OF THE AGREEMENT YOU HAVE WITH US REGARDING YOUR ACCESS AND/OR USE OF OUR SITE.  THIS PRIVACY POLICY DESCRIBES HOW WE COLLECT, USE, MAINTAIN, AND SHARE INFORMATION COLLECTED ABOUT YOU IN CONNECTION WITH OUR SITE.  IF YOU DO NOT AGREE WITH ANY PART OF THIS PRIVACY POLICY, PLEASE DO NOT USE, ACCESS, OR BROWSE THIS SITE.  ANY TERMS THAT ARE NOT DEFINED IN THIS PRIVACY POLICY SHALL HAVE THE MEANING SET FORTH IN OUR TERMS OF USE.

PLEASE READ THIS PRIVACY POLICY CAREFULLY BECAUSE BY ACCESSING, USING OR BROWSING OUR SITE OR ATTEMPTING TO DO THESE THINGS, YOU AGREE THAT YOU HAVE READ, UNDERSTAND, AND ARE BOUND BY YOUR AGREEMENT WITH US, INCLUDING THIS PRIVACY POLICY, AND THE AGREEMENT BETWEEN YOU AND US

Collection and Use of Information
When you complete one of our forms or applications online, we may collect certain types of personal information from you, such as your name, social security number, mailing address, email address, phone number, employment information, assets and liability information, credit history, and other relevant financial information.  We use this information in order to provide our services to you; for example, this information is used to guide you through the loan process, complete your loan application package, determine whether you qualify for a particular loan, and help select the best program for you. We may also collect personal information from you when you reach out to us with a question, request, or comment.  We use your personal information to respond to you and follow up as appropriate.

We may also use a variety of technologies to collect non-personal information about your use of the Site and/or your device, including, without limitation, the pages visited, your IP address, browser type, referring URL, and information about your operating system. We use this information for the purposes of operating, maintaining, and improving our Site.  Please note that most Internet browsers allow you to stop cookies from being stored on your computer and to delete cookies stored on your computer.  However, some parts of our Site may not function properly if you refuse or delete cookies or you may be required to re-enter information you may have already provided on the Site.

Sharing of Information
Other than as specifically set forth in this Privacy Policy and our Terms of Use, we do not sell, distribute, publish, license, disclose, or share your personal information to any third parties without your consent.  We may share your personal information and non-personal information in the following ways:

  • If you contact us and your inquiry or request relates to one of our affiliates, employees, contractors, or consultants or an unrelated third party, you agree that we have the right to provide your information, including contact and any other personal information you provide, so that they may provide you with the products, services, or information that you request or assist us in responding to your request.
  • Service providers who help with our business operations; for example, those service providers who help us deliver our Site and Content.
  • Law enforcement agencies, governmental officials or other third parties in response to a subpoena, court order or legal procedure, or if we believe in good faith that the disclosure of information is necessary to prevent imminent physical harm or financial loss; to report suspected illegal activity; to enforce our policies; or to protect anyone’s rights, property, or safety.
  • Other business entities, should we plan to merge with or be acquired by that business entity or in connection with a partial or total sale of assets, bankruptcy, or another corporate change.
  • Other third parties when you explicitly ask us or provide your consent to send your information to such third parties.

Your Choices
Although we may provide you with the ability to update or delete personal information directly on our Site, for security reasons, some personal information may not be changed or deleted by you and may require you to contact us for verification.

Security
Our Site uses reasonable security procedures to protect your information.  However, no data transmissions over the Internet can be ever be guaranteed to be 100% secure. Consequently, we cannot ensure or warrant the security of any information you transmit to us and you understand that any information that you transfer or transmit to us is done at your own risk.

Minors
Our Site is not directed to children under the age of 13 and we do not knowingly collect personal information from children.  If you are under the age of 13, please stop using our Site immediately and do not provide any personal information to us.  If we learn that someone who has provided us with personally identifiable information is under the age of 13, our policy is to delete that information.

California Privacy Rights
California law permits our customers who are California residents to request and obtain from us once a year, free of charge, information about the personal information (if any) we disclosed to third parties for direct marketing purposes in the preceding calendar year.  If applicable, this information would include a list of the categories of personal information that was shared and the names and addresses of all third parties with which we shared information in the immediately preceding twelve calendar months.  If you are a California resident and would like to make such a request, please submit your request in writing to:
Attn: California Privacy Rights
[Address]

Changes to Privacy Policy
We may edit, amend, modify and update our Privacy Policy at any time and from time to time, by posting updated text on or link to our Site.  When we make changes to our Privacy Policy, we will notify you by posting a notice on our Site.  We display the Effective Date at the top of our Privacy Policy so that you will know when there has been a change in its effective date.

Contact Us
If you have any questions or comments about the information in this Privacy Policy or any term or condition of your agreement with us, please contact us at info@1st2ndmortgage.com.

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NMLS     |     FAIR LENDER     |     FAIR HOUSING

DISCLAIMER: Any rates, fees or loan terms recited herein are based on information and or representations made by the addressee upon which we have relied. These rates, fees and terms may be subject to change if verification of these representations reveals differences, which in our opinion, alter the risks associated with the contemplated transaction. Also, all rates, terms and fees stated herein are "date sensitive" and, unless specifically stated to the contrary, are subject to change based on our opinion of changing market conditions

1st 2nd Mortgage Company of N.J., Inc.

Licensed by the NJ Department of Banking & Insurance and   other states NMLS# 115981 as a residential  mortgage lender.

We are located at: 50 Spring Street, Cresskill, NJ 07626
Toll Free: (800) 562-6466

NMLS     |     FAIR LENDER     |     FAIR HOUSING

DISCLAIMER: Any rates, fees or loan terms recited herein are based on information and or representations made by the addressee upon which we have relied. These rates, fees and terms may be subject to change if verification of these representations reveals differences, which in our opinion, alter the risks associated with the contemplated transaction. Also, all rates, terms and fees stated herein are "date sensitive" and, unless specifically stated to the contrary, are subject to change based on our opinion of changing market conditions