Collecting Non-Public Information
During the course of processing your application, we accumulate non-public personal financial
information from you and from other sources about your income, your assets and your credit
history in order to allow a lender to make an informed decision about granting you credit. We
restrict access to non-public personal information about you to those employees who need to
know that information in order to provide you the products or services you have requested. We also
maintain physical, electronic and procedural safeguards that comply with federal regulations to
guard your non-public personal information.
We collect non-public information about you from the following sources: (i) information we receive
from you on applications or other forms; (ii) information about your transactions with us, our
affiliates or others; and (iii) information we obtain from a consumer credit reporting agency, with
your authorization.
Discretionary Disclosure of Non-Public Information
We may disclose the following kinds of non-public personal information about you to our
employees and those parties directly involved in the loan process who need that information in
order to provide you the products or services you have requested: (i) information we receive from
you on applications or other forms, such as your name, address, social security, assets and
income; (ii) information about your transactions with us, our affiliates, or others, such as your
payment history or loan balance; and (iii) information we obtain from a consumer credit reporting
agency, with your authorization, such as your credit score and credit history.
We do not disclose any non-public information about our customers or former customers to any
third parties unless they are directly involved in the loan process and/or in providing the financing
requested, unless you have given specific written permission.
Confidentiality
Many of our customers refer their family, friends and colleagues to us, who then become our
customers as well. However, regardless of the relationships that may exist between our
customers, we treat all information about our customers' applications the same: With complete
confidentiality.
In other words: We will never discuss one customer's application with another customer, even if
they may already have a close pre-existing relationship. Each of our customers can be assured
that their application will be handled discreetly, with every aspect kept securely and confidentially.
We will not disclose nor discuss any of the details of your application with any third party not
directly involved in your application, unless you have given us your specific written permission to do
so.
Our Customer List
AmeriStar Home Mortgage, Inc. does not sell, rent, or share its customer list.
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