Privacy & Data Security:
Your information is protected under the Gramm-Leach-Bliley Act
(GLBA) and other applicable privacy laws. We do not sell or share
your personal information with third parties for marketing purposes.
Your data will only be used to process your loan application and may
be shared with underwriters, credit bureaus, and other parties
necessary to complete your transaction.
Equal Credit Opportunity:
Federal law prohibits discrimination in credit transactions. It is
illegal to discriminate on the basis of race, color, religion,
national origin, sex, marital status, age (provided you have the
capacity to contract), because you receive income from a public
assistance program, or because you have exercised any right under
the Consumer Credit Protection Act.
Credit Report Authorization: By
submitting this application, you authorize Espinosa Capital &
Realty and its affiliates to obtain your consumer credit report from
one or more consumer reporting agencies. This inquiry may appear on
your credit report. You have the right to request the name and
address of any consumer reporting agency that provided a credit
report used in connection with your application.
TCPA Consent: By providing your
telephone number, you consent to receive calls, text messages, and
prerecorded messages from Espinosa Capital & Realty or our
partners regarding your loan application, even if your number is on
a Do Not Call list. Message and data rates may apply. You may opt
out at any time by replying STOP or by contacting us directly.
Electronic Communications: By
submitting this form electronically, you agree to receive
communications via email and electronic delivery of documents,
including but not limited to Loan Estimates, Closing Disclosures,
and other required disclosures. You have the right to request paper
copies at any time.
State Licensing: Espinosa
Capital & Realty is licensed by the FL Department of Financial
Services. NMLS ID: 2689918. To verify our license status, visit the
Nationwide Multistate Licensing System at nmlsconsumeraccess.org.