Mortgage Grader® was invented (patent-pending) to protect your name and all of your private and confidential information. The only way we will ever release your name and private, confidential information to a lender is if you 1) Know exactly who the lender is. 2) You know exactly what the lender is proposing in terms of rate, fees and loan programs. 3) You give us express permission, either verbally or in writing, to raise the curtain and deliver your name and information (your application information) to that lender for the purpose of underwriting your loan (either through automated underwriting or manual underwriting). With Mortgage Grader®, mortgage counseling and arranging loans is all we do. Your name and information will never be sold by Mortgage Grader® for any purpose.

Applicable state and federal laws require Mortgage Grader® to keep a copy of your private and confidential loan application information for specific time periods.

Any lender(s) that you direct us to submit your loan to must also keep copies of your confidential loan application information for specific time periods per applicable state and federal laws.

Every lender in the Mortgage Grader® network has its own privacy policy. At your request, we can make that available to you prior to loan submission.

The Patriot Act, other applicable laws, state or federal regulators or a court of competent jurisdiction could also compel Mortgage Grader® to release confidential loan application
information that we possess.