Top Mortgage, LLC. Disclosures and License Information

Top Mortgage, LLC. is an Equal Housing Lender and Michigan Residential Mortgage Licensee. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from Top Mortgage will never be discouraged on the basis of race, color, religion, national origin, sex, military status, marital status, age, or because you get public assistance. All information we request is voluntary, and will be kept confidential.

For more information on the ECOA, please visit http://www.ftc.gov/bcp/conline/pubs/credit/ecoa.shtm

Mortgage Rate Assumptions

Rates shown assume a purchase transaction. Annual Percentage Rate (APR) calculations assume a purchase transaction of a single-family, detached, owner-occupied primary residence; a loan-to-value ratio of less than 75%; a minimum FICO score of 740 and a loan amount of $300,000 for conforming loans or $500,000 for jumbo loans, unless otherwise specified.

• Annual Percentage Rate (APR) calculations assume a purchase transaction.
• Rates may be higher for loan amounts under $300,000 and over $500,000. Please call for details.
• Rates are subject to change without notice.
• Closing Costs assume that borrower will escrow monthly property tax and insurance payments.
• Subject to underwriter approval; not all applicants will be approved.
• Fees and charges apply.
• Payments do not include taxes and insurance.
• Guaranteed Rate – 40 Day Rate Lock.
• Rates based on Illinois property.
• Mortgage insurance is not included in the payment quoted. Mortgage insurance will be required for all FHA and VA loans as well as conventional loans where the loan to value is greater than 80%. Restrictions may apply.

Fees

• Lender Fee $1,440
• Appraisal Fee $400
• Title Services or Lenders Title Insurance $200

Testimonial Disclosure

Compensation was not paid in exchange for any testimonial on this site. Individuals pictured may not be that of the endorsers and is for display purposes only.

Refinance Disclosure

By refinancing the existing loan, the total finance charges may be higher over the life of the loan.

SMS Communications and Mobile Information

Top Mortgage, LLC operates SMS messaging programs to communicate with customers and prospective customers who have affirmatively opted in to receive text messages from us. This section describes how we handle mobile phone numbers and SMS consent.

Information We Collect Through SMS Programs

When you opt in to one of our SMS programs, we collect your mobile phone number, your consent record (the time, date, and method of opt-in), and the content of messages you exchange with us.

How We Use Mobile Information

We use your mobile phone number and SMS consent solely to deliver the messages you have requested, including transactional messages (such as account alerts, application status updates, document requests, and appointment confirmations) and, if separately consented to, marketing messages (such as rate updates and promotional information).

No Sharing of Mobile Information With Third Parties

No mobile information, including phone numbers and SMS consent, will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing is limited to subcontracted service providers necessary to deliver the messages you have requested (such as our SMS messaging platform vendor). All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Message Frequency

Message frequency varies based on your interactions with us and the program to which you have consented.

Message and Data Rates

Standard message and data rates from your wireless carrier may apply. Top Mortgage does not charge for messages.

Help and Opt-Out

For help, reply HELP to any message. To opt out of any SMS program at any time, reply STOP to a message from that program. After you send STOP, we will send a confirmation message and will not send further messages from that program. You may re-subscribe at any time by opting in again on our website.

Consent Is Not a Condition of Purchase

You are not required to consent to receive marketing text messages as a condition of obtaining any service or applying for any loan.

TCPA Compliance

Our SMS programs are intended to comply with the Telephone Consumer Protection Act (TCPA), CAN-SPAM, applicable state telemarketing laws, and CTIA messaging principles.

Cookies, Tracking Technologies, and Analytics

Our website uses cookies and similar tracking technologies to operate the site, remember your preferences, understand how visitors use our services, and improve your experience. A cookie is a small text file placed on your device when you visit a website.

We use the following categories of cookies and tracking technologies:

• Essential cookies, which are necessary for the website to function, including maintaining your session, securing form submissions, and remembering basic preferences. These cannot be disabled without affecting site functionality.
• Analytics cookies, which help us understand how visitors interact with our site so we can improve it. These technologies collect information such as pages visited, time spent on pages, referring website, approximate geographic location, device type, browser type, and operating system. This information is aggregated and used to analyze site performance and visitor behavior.
• Advertising and conversion technologies, which we may use to measure the effectiveness of marketing campaigns and to deliver relevant advertising on third-party platforms. These technologies may track whether you submitted an inquiry or completed an application after viewing an ad.

We do not use cookies or tracking technologies to collect SMS opt-in data, mobile phone numbers, or text message content for advertising purposes, and this information is never shared with advertising partners.

You can control cookies through your browser settings, including blocking or deleting cookies. Disabling certain cookies may limit the functionality of our site. Your browser may also offer a "Do Not Track" signal; because there is no industry-standard response to this signal, we do not currently respond to it, but you can use your browser controls instead.

Data Security

We take the security of your personal information seriously and maintain administrative, technical, and physical safeguards designed to protect it from unauthorized access, disclosure, alteration, or destruction.

These measures include encryption of data in transit using industry-standard protocols for all submissions through our website and SMS platform; encryption of sensitive personal information at rest; access controls that limit personal information to authorized personnel who need it to perform their job functions, with role-based permissions and unique user credentials; secure storage of records with our licensed service providers, who maintain their own security programs and contractual confidentiality obligations; regular monitoring of our systems for vulnerabilities, suspicious activity, and unauthorized access attempts; secure password requirements and, where appropriate, multi-factor authentication for systems containing personal information; employee training on data privacy and security practices, with confidentiality agreements in place; and routine review and updating of our security practices to address evolving threats and regulatory requirements.

We retain personal information only as long as necessary to provide our services, comply with legal and regulatory obligations (including federal mortgage record retention requirements), resolve disputes, and enforce our agreements. When information is no longer needed, it is securely destroyed or de-identified.

While we use reasonable measures to protect your information, no method of electronic transmission or storage is one hundred percent secure. We cannot guarantee absolute security, but we work continuously to protect your information and will notify you of any data breach affecting your personal information as required by applicable law.

If you believe your information has been compromised or you have concerns about the security of your account, contact us immediately at info@topmortgagecompany.com.

Contact Us About Your Information

If you have questions about this policy or wish to exercise any rights regarding your information, contact us at info@topmortgagecompany.com or 23656 Park St, Dearborn, Michigan 48124.