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600 Lake Air Suite 1B Waco, Texas 76710

Charles@McCullochTeam.com |   254.304.5520

NMLS# 1281536

Copyright © 2019 McCulloch Team created by Social Media Cowboys

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR A LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE COMPANY RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV.
 
HOME MORTGAGE DISCLOSURE ACT NOTICE
The HMDA data about our residential mortgage lending are available online for review.  The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials.  HMDA data for many other financial institutions are also available online.  For more information, visit the Consumer Financial Protections Bureau’s Web site www.consumerfinance.gov/hmda

Privacy Policy

We have created this privacy policy statement in order to demonstrate our firm commitment to your privacy.

 

What personal information is being collected?

Unless this website asks for specific personal information in order to respond to requests for information or to register users for particular services, only the following information will be collected when you use this site; your server address; the date and time of your visit to the site; the pages you accessed and the documents downloaded; and the type of browser you are using. This information is collected for statistical purposes and to enable us to improve the navigation functions of our website.

 

Who is collecting personal information?

Where this site specifically asks for your personal information (for example to respond to requests for information or to register users for particular services), your personal information will only be collected by our staff who have responsibility for responding to such requests or administrating such registrations.

 

How is personal information used?

Personal information collected on this website will only be used for the purposes stated at the time of collection. Your personal information will not be forwarded to any third party, added to a mailing list or used for any other purpose without your consent.

 

Cookies

Cookies can be either “persistent” or “session” based. Persistent cookies are stored on your computer, contain an expiration date, and may be used to track your browsing behavior upon return to the issuing web site. Session cookies are short-lived, are used only during a browsing session, and expire when you quit your browser. Upon closing your browser the session cookie set by this website is destroyed and no personal information is maintained which might identify you should you visit our website at a later date. Access to personal information collected on this site Unless required by law to do so we will only disclose personal information collected on this site to a third party if consent has been provided.

 

Security of personal information collected on this site

This site does not provide facilities to guarantee the secure transmission of information across the Internet. Whilst reasonable efforts are used to provide security, users should be aware that there are inherent risks in the transmission of information across the Internet.

 

Outside Links

These sites may on occasion provide links to other sites for your convenience or additional information. We are not responsible for any content or practices of these sites.

 

Your Rights

You can request access to the personal information (if any) that we keep on record. If you believe any information that we keep on record is incorrect or out of date you may request that it be corrected. There is no fee for requesting access to your information, however, our loan agency may charge you the reasonable cost of processing your request.