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Privacy Policy

Somerset is serious about safeguarding your personal information and data. We follow the strictest privacy guidelines to ensure that the information you provide to us remains confidential at all times.

Our goal is to gather just enough information to process a home loan, render an approval decision, or market our products - and we collect most of this information from consumers through our call center, website, or as part of our application process. Occasionally, we gather additional necessary information from public records, credit repositories, or approved business affiliates and partners.

We retain all information in-house except when required to share it with our partners as a necessary function of the lending process. Such partners include title and escrow companies, appraisal services, and to a limited extent, our business affiliates and partners.

From time to time, Somerset will send marketing information and special promotions to our customers via e-mail, direct mail, or phone. Because we respect the privacy of our customers, Someret provides an "opt-out" feature (see below) for those who wish to be excluded from our marketing lists.

Somerset does not sell or share customer information to unaffiliated third parties except as expressly permitted by law. In addition, Somerset may engage in joint marketing efforts with third parties which may require us to provide limited information that will enable both companies to offer products and services that we feel will benefit our customers. In all cases, Somerset will be identified as the primary marketer of the product or service, and in every case the third party will be held to the same high level of confidentiality as that of Somerset

Security

The security of your personal information is our first priority at Somerset. We have taken extraordinary measures to make sure that the information you send to us is seen only by authorized people.

All of the pages on our web site that ask for your personal financial information are delivered to your browser through HTTPS, a secure server communications layer. You can check this encryption by checking for the key (Netscape) or lock (Internet Explorer) icon on your browser. If your browser's security feature has been turned on, a pop up box will notify you when you enter a secure page.

When you send your personal financial information to us, it is protected by SSL (Secure Sockets Layer) Technology. SSL does not allow anyone to intercept and read your personal information. When you send your information to us, SSL encrypts it (translates the data into a string of gibberish characters). Only we can decode the encryption.

Your financial information is not kept on our web server, but on a different computer that is separated from the Internet. Even in the unlikely event that our web site is "hacked," your data will still remain securely out of reach.

Opt-Out

We understand that you may not be interested in hearing about money-saving promotions or other exciting programs. We respect your time and privacy and do our best to send only information that we feel is relevant and beneficial to you. However, if you still wish to opt-out of our notification list, simply select the appropriate link below.

Please take me off your direct mailing list
Please take me off your email list

If any of the information you enter differs from what is stored in our database, we may not be able to remove your name right away. Please be aware that it may take a few mailing cycles before your information is deleted from our list(s).

Policy Updates

Somerset reserves the right to change, modify, add or remove portions of this Privacy Statement at any time, but will alert you that changes have been made by indicating on the Privacy Statement the date it was last updated.

Last revised: April 03, 2006

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"Our family would like to thank Somerset Mortgage Lenders for getting us out of foreclosure. Without your help we do not know what would have become of our family. When we first called, we were in Chapter 13 bankruptcy...Not only will we now be able to keep our home, but we'll be able to put ourselves on track financially, thanks to all the efforts of the wonderful people at Somerset. We will be forever grateful to you all." - Scott & Amy
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