Charles Mimnaugh NMLS# 215395
Houzd Mortgage NMLS # 888979
UT DRE 8353707-NMLC
CA DBO 607 3520
Any offer made by Charles Mimnaugh NMLS# 215395 or CharlesMortgage.com is made via Houzd Mortgage NMLS # 888979. Houzd Mortgage is not an agency of the federal government nor is it affiliated or associated with HUD/FHA. This is not a commitment to make a loan. All approvals are subject to underwriting guidelines. Underwriting guidelines include but are not limited to: acceptable credit and income history, current homeowners insurance, etc. Rates and terms are subject to change based on market conditions and borrower eligibility. All will not qualify.
The referenced products on charlesreverse.com or utahreverse.com are reverse mortgage loans. Borrowers are required to pay back the loan balance plus interest and fees when the last borrower no longer uses the property as their principal residence or fails to meet loan obligations such as paying property charges. You may be required to purchase an insurance policy, such as mortgage insurance, to access the available loan proceeds.
Interest rates for HECMs may be either fixed or variable. A fixed rate loan will have an interest rate that remains the same for the life of the loan, while a variable rate loan may change periodically based on changes in an index. If you choose a variable rate loan, your monthly interest could increase or decrease during the loan term. Be sure to carefully consider the interest rate options and the potential risks and benefits before deciding on a HECM loan.
Your privacy is important to us. To better protect your privacy we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used. To make this notice easy to find, we make it available on our homepage and at every point where personally identifiable information may be requested.
This privacy notice discloses the privacy practices for CharlesMortgage.com. This privacy notice applies solely to information collected by this web site. It will notify you of the following:
1. What personally identifiable information is collected from you through the web site, how it is used and with whom it may be shared.
2. What choices are available to you regarding the use of your data.
3. The security procedures in place to protect the misuse of your information.
4. How you can correct any inaccuracies in the information.
Information Collection, Use, and Sharing
We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone.
We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request, e.g. to ship an order.
Your Access to and Control Over Information
You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number given on our website:
• See what data we have about you, if any.
• Change/correct any data we have about you.
• Have us delete any data we have about you.
• Express any concern you have about our use of your data.
We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.
Wherever we collect sensitive information (such as credit card data), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for “https” at the beginning of the address of the web page.
While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.
Ads and Third Party Services
Collection of Personal Information
When visiting www.charlesmortgage.com, the IP address used to access the site will be logged along with the dates and times of access. This information is purely used to analyze trends, administer the site, track users movement and gather broad demographic information for internal use. Most importantly, any recorded IP addresses are not linked to personally identifiable information.
Links to third party Websites
We have included links on this site for your use and reference. We are not responsible for the privacy policies on these websites. You should be aware that the privacy policies of these sites may differ from our own.
Changes to this Privacy Statement
The contents of this statement may be altered at any time, at our discretion.