Terms and Important Disclosures

Legal Disclaimer

We hereby authorize you to view and print information on this website, subject to it being used for informational and non-commercial purposes. Licensing Information — Northstar Funding Inc. Terms and conditions should be reviewed for complete details.

The information contained in this website is believed to be reliable, but we do not warrant its completeness, timeliness, or accuracy. The information on this website is not intended as an offer or solicitation for any mortgage product or any financial instrument. The information and materials contained in this website – and the terms and conditions of the access to and use of such information and materials – are subject to change without notice.

Products and services described may vary among geographic locations, offices, and due to individual conditions. Not all products and services are offered at all locations. In no event will we be liable for any loss or damage, including, without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

We intend that the data provided on a subject is of a general nature. Our website does not represent an exhaustive treatment of subjects, nor is the information intended to constitute accounting, tax, legal, consulting, or other professional advice.

Before making any decision or taking any action, we kindly request that you consult with your tax or legal advisors.

Please use this document and the information it contains at your own risk. The content of this site is copyrighted, and therefore, any unauthorized use of any materials on this website may violate copyright, trademark, and other laws. Materials on this website may not be modified, reproduced, or publicly displayed, distributed, or performed for any public or commercial purposes before our approval.

Privacy Policy

Customer service is essential to us. As we continue to improve and expand our services, we recognize our customers' desire to preserve their privacy and confidentiality. Safeguarding our customers' privacy is also a top priority for us. We have adopted standards that help maintain and preserve the confidentiality of our customers' non-public personal information.

Information We Collect

We gather nonpublic personal information about our customers as necessary to conduct business with them. We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms, over the telephone, or in face-to-face meetings, and via the Internet. Examples include your name, address, telephone number, social security number, credit history, and other financial information.
• Information about your transactions with us or others. Examples include payment histories, account balance, and account activity.
• Information we receive from a consumer reporting agency. Examples include your credit score, credit reports, and other information relating to your creditworthiness.
• From employers and others to verify the information you have given to us. Examples include verifications of employment, income, or deposits.

Information We Disclose

Your personal information will only be retained for the purpose of providing you with our response to your query. It will not be made available to any third party except as necessary to be disclosed to any related entity for the purpose intended or as required to be disclosed under law.

By submitting data on our website, the visitor provides explicit consent to the transmission of data collected through the website. We treat data as confidential within our firm and require strict adherence to our data protection and confidentiality policies by all our employees.

All visitors, however, should be aware that our website may contain links to other sites that are not governed by this or any other privacy statement.

We reserve the right to amend (that is, add to, delete, or change) the terms of this Privacy Statement from time to time.

E-Signature Consent

NORTHSTAR FUNDING INC is dedicated to revolutionizing the mortgage process. A big part of that revolution is our commitment to prompt and convenient communication with our borrowers, vendors, and others. We rely on email, electronic documentation, and our web portal for that.

Because we rely on these methods of communication to conduct our business and make certain disclosures available to you as part of the mortgage application process, we must have your consent to interact with us and receive disclosures electronically. Your consent will apply to this mortgage loan application and all subsequent mortgage loan applications.

If you do not consent, we will be unable to continue with the online application process; however, we can still assist you in person or over the phone. While your Loan Dashboard will always be the primary source of information we provide to you, it may also include messages from your loan team, status updates, disclosures, valuations, and other relevant files. Additionally, we may occasionally email or mail you documents.

To receive disclosures electronically, you need access to an Internet browser, such as Internet Explorer, Mozilla Firefox, or Google Chrome, and a PDF reader, such as Adobe Acrobat or CutePDF, since disclosures may be in PDF format. You will also need access to a printer or the ability to download information to keep copies for your records.

After consenting to receive electronic disclosures and submitting your online application, if you would also prefer to receive paper copies at no additional charge, contact us by phone at (800) 917-1595.

Licensing Information

Northstar Funding Inc – NMLS 139369

Northstar Funding Inc. is a fully licensed mortgage broker, lender, and correspondent across multiple U.S. states. Our team provides mortgage lending and brokerage services in the following states:

For licensing verification, visit: www.nmlsconsumeraccess.org

SMS Communication Consent

10DLC Registered – Northstar Funding Inc – NMLS 139369

By submitting your information through any form on our website, you consent to receive text messages (SMS) from Northstar Funding Inc. These messages may include updates about your loan application, appointment reminders, and promotional offers. Message and data rates may apply. You may opt out at any time by replying "STOP".

Privacy and Data Use

Northstar Funding Inc. respects your privacy. We do not share your personal information with third parties for direct marketing purposes. For details on how we collect, use, and protect your data, please review our Privacy Policy above.

Fair Lending Statement

NorthStar Funding is committed to fair lending practices and complies with all applicable federal and state fair lending laws, including the Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, familial status, or any other protected characteristic.

All loan applications are evaluated based on objective creditworthiness criteria. If you believe you have been discriminated against, you may file a complaint with the Consumer Financial Protection Bureau (CFPB) or the U.S. Department of Housing and Urban Development (HUD).