We take our clients' financial privacy very seriously. 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 to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.
We collect non-public personal information about you from the following sources:
- Information we received from you on the applications or other forms, such as your name, address, social security number, assets, and income
- Information about your transactions with us, our affiliates, or others, such as your account balance payment history
- Information we received from a consumer reporting agency, such as your creditworthiness and credit history
We may disclose the above information about you to the following types of third parties:
- Financial service providers, such as mortgage bankers, securities broker-dealers, and insurance agents
- Non-financial companies, such as title and escrow companies, appraisal companies, etc.
- Others, such as non-profit organizations
We may disclose the above information to companies performing marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. By sharing this information, we can better understand your financial needs and offer products to help you better reach your financial goals. The information sharing described above is subject to your right to direct that we do not make the disclosures, and this opt out right is described below. We may disclose non-public personal information about you, including consumer report type information that relates solely to our transactions and experiences with you, to our affiliates, and this information sharing is not subject to an opt out right. We may wish to share consumer report type information that does not relate solely to our transactions and experiences with you ("Other Information") with our affiliates who may have products or services that are of interest to you, or who may be able to offer assistance in connection with your transaction. You have the right to opt out of our sharing of Other Information with our affiliates.
Information Security is a cornerstone of Skyline Home Loans’s policies. Every employee is required to understand and acknowledge the Company's Information Security Policy. Our Information Security program is comprehensive, proactive, and designed to keep sensitive information about our customers secure. We will only share personal information with trusted 3rd parties involved in processing your loan transactions such as credit, escrow, title providers, etc. Finally, it is against our policy to sell or trade personal information collected online.
INDUSTRY LEADING SECURITY CONTROLS
Skyline Home Loans uses industry leading technology and systems to protect its customer’s personal information and privacy by utilizing the following:
- Encryption: Skyline Home Loans provides a 128-bit secure browser to login to customer accounts and perform transactions and uses Secure Sockets Layer (SSL) to ensure that any data entered into the website is encrypted. You can verify that SSL is enabled by looking for the padlock or key icon on your browser.
- User ID and Password: To access your account, you must provide a unique user ID and a password.
- Session Timeout: Skyline Home Loans uses a time-out feature to log customers off their account after a specified amount of inactivity. This reduces the risk of others accessing your account from an unattended computer.
- Authentication Services: At different points within the transaction, Skyline Home Loans may run three levels of authentication to validate a user:
- Level One: Validates customer information against reliable databases.
- Level Two: Authentication indicators and score designed to predict likelihood data was provided by actual consumer.
- Level Three: Knowledge-based authentication capability is an interactive session that uses customized questions and answers designed to be answerable only by the true consumer. The user's identity is established without delay, enabling consumers and businesses to immediately and securely conduct business.
- Perimeter Defense: Skyline Home Loans is protected by firewalls and other intrusion detection mechanisms. The firewalls are configured to reject any unauthorized connections. We continually monitor our defense systems to detect any attempted intrusions or unauthorized connections and employ an annual third party verification test to validate our security defenses.
- Identity Verification Process: This process is designed to guard against unauthorized access to your account. This adds an extra layer of security to your online account to protect your assets. As a part of this process, from time to time you may be asked to verify your identity before you complete a transaction or request.
SECURITY: YOU ARE THE KEY
Skyline Home Loans has taken substantial efforts to protect its customer's information. However, it is important that you take an active role in protecting your personal computer and account log on information.
We ask that you take some time and review the security suggestions provided below:
- Protect your password. Never share your password with anyone. We also recommend that you change your password on a regular basis. If you feel that your password has been compromised, change the password and notify us immediately. Please click "Live Chat" or call the Customer Support number available on the site to contact Skyline Home Loans.
- Use Anti-Virus and Firewall Software. It is recommended that an antivirus product be installed and updated on a regular basis to ensure that your system is checked for the latest viruses. It is important to check all downloaded software and emails for viruses.
- Logoff the Website. When you have finished your transactions, it is important that you click the "Logoff" button. If you are using a public personal computer it is recommended that you also close the browser when you are finished.
- Review Alerts. We recommend that you set up account activity alerts to receive notifications for every transaction in your Skyline Home Loans accounts(s). You can have the Smart Alerts delivered to email, PDA, or mobile phones. This will ensure that you are notified whenever account activity occurs.
The following are terms of a legal agreement between you and Skyline Home Loans. By accessing, browsing, or using this Website, you acknowledge that you have read, understood, and agree to be bound by these terms and to comply with all applicable laws and regulations, including export and re-export control laws and regulations. If you do not agree to these terms, please do not use this Website.
This Website contains proprietary notices and copyright information, the terms of which must be observed and followed. Please see the tab entitled "Copyright and trademark information" for related information.
This site and all content in this site may not be copied, reproduced, republished, uploaded, posted, transmitted, distributed, or used for the creation of derivative works without Skyline Home Loans' prior written consent, except that Skyline Home Loans grants you non-exclusive, non-transferable, limited permission to access and display the Web pages within this site, solely on your computer and for your personal, non-commercial use of this Website. This permission is conditioned on your not modifying the content displayed on this site, your keeping intact all copyright, trademark, and other proprietary notices, and your acceptance of any terms, conditions, and notices accompanying the content or otherwise set forth in this site. Notwithstanding the foregoing, any software and other materials that are made available for downloading, access, or other use from this site with their own license terms, conditions, and notices will be governed by such terms, conditions, and notices.
Your failure to comply with the terms, conditions, and notices on this site will result in automatic termination of any rights granted to you, without prior notice, and you must immediately destroy all copies of downloaded materials in your possession or control. Except for the limited permission in the preceding paragraph, Skyline Home Loans does not grant you any express or implied rights or licenses under any patents, trademarks, copyrights, or other proprietary or intellectual property rights. You may not mirror any of the content from this site on another Website or in any other media.
Information on this Website is not promised or guaranteed to be correct, current, or complete, and this site may contain technical inaccuracies or typographical errors. Skyline Home Loans assumes no responsibility (and expressly disclaims responsibility) for updating this site to keep information current or to ensure the accuracy or completeness of any posted information. Accordingly, you should confirm the accuracy and completeness of all posted information before making any decision related to any services, products, or other matters described in this site.
Skyline Home Loans provides no assurances that any reported problems will be resolved by Skyline Home Loans, even if Skyline Home Loans elects to provide information with the goal of addressing a problem.
Forward-looking and cautionary statements
Except for historical information and discussions, statements set forth throughout this web site may constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 or other applicable laws. These statements involve a number of risks, uncertainties, and other factors that could cause actual results to differ materially, as discussed in the company's filings with the U.S. Securities and Exchange Commission.
Skyline Home Loans does not want to receive confidential or proprietary information from you through our Website. Please note that any information or material sent to Skyline Home Loans will be deemed NOT to be confidential. By sending Skyline Home Loans any information or material, you grant Skyline Home Loans an unrestricted, irrevocable license to copy, reproduce, publish, upload, post, transmit, distribute, publicly display, perform, modify, create derivative works from, and otherwise freely use, those materials or information. You also agree that Skyline Home Loans is free to use any ideas, concepts, know-how, or techniques that you send us for any purpose. However, we will not release your name or otherwise publicize the fact that you submitted materials or other information to us unless: (a) we obtain your permission to use your name; or (b) we first notify you that the materials or other information you submit to a particular part of this site will be published or otherwise used with your name on it; or (c) we are required to do so by law. Personally-identifiable information that you submit to Skyline Home Loans for the purpose of receiving products or services will be handled in accordance with our privacy policies. Please see the tab entitled "Privacy" for information regarding Skyline Home Loans' privacy policies.
U.S. government restricted rights
Skyline Home Loans provides the software downloaded from this Website to U.S. Government users with "RESTRICTED RIGHTS." Use, reproduction, or disclosure is subject to the restrictions set forth in Skyline Home Loans' GSA ADP Schedule contract.
Information Skyline Home Loans publishes on the World Wide Web may contain references or cross references to Skyline Home Loans products, programs and services that are not announced or available in your country. Such references do not imply that Skyline Home Loans intends to announce or make available such products, programs, or services in your country. Please consult your local Skyline Home Loans business contact for information regarding the products, programs, and services that may be available to you.
This Website may provide links or references to non-Skyline Home Loans Websites and resources. Skyline Home Loans makes no representations, warranties, or other commitments whatsoever about any non-Skyline Home Loans Websites or third-party resources (including any Lenovo Website) that may be referenced, accessible from, or linked to any Skyline Home Loans site. A link to a non-Skyline Home Loans Website does not mean that Skyline Home Loans endorses the content or use of such Website or its owner. In addition, Skyline Home Loans is not a party to or responsible for any transactions you may enter into with third parties, even if you learn of such parties (or use a link to such parties) from a Skyline Home Loans site. Accordingly, you acknowledge and agree that Skyline Home Loans is not responsible for the availability of such external sites or resources, and is not responsible or liable for any content, services, products, or other materials on or available from those sites or resources.
When you access a non-Skyline Home Loans Lending Website, even one that may contain the Skyline Home Loans-logo, please understand that it is independent from Skyline Home Loans, and that Skyline Home Loans does not control the content on that Website. It is up to you to take precautions to protect yourself from viruses, worms, trojan horses, and other potentially destructive programs, and to protect your information as you deem appropriate.
Linking to this site
All links to this Website must be approved in writing by Skyline Home Loans, except that Skyline Home Loans consents to links in which the link and the pages that are activated by the link do not: (a) create frames around any page on this Website or use other techniques that alter in any way the visual presentation or appearance of any content within this site; (b) misrepresent your relationship with Skyline Home Loans; (c) imply that Skyline Home Loans approves or endorses you, your Website, or your service or product offerings; and (d) present false or misleading impressions about Skyline Home Loans or otherwise damage the goodwill associated with the Skyline Home Loans name or trademarks. As a further condition to being permitted to link to this site, you agree that Skyline Home Loans may at any time, in its sole discretion, terminate permission to link to this Website. In such event, you agree to immediately remove all links to this Website and to cease using any Skyline Home Loans trademark.
Certain text in this Website may be made available in languages other than English. Text may be translated by a person or solely by computer software with no human intervention or review. These translations are provided as a convenience to you, and Skyline Home Loans makes no representations or commitments regarding the accuracy or completeness of the translation, whether or not computer-generated or performed by a person. Please see the below Disclaimer of Warranty for additional conditions.
DISCLAIMER OF WARRANTY
YOU UNDERSTAND AND AGREE THAT IF YOU DOWNLOAD OR OTHERWISE OBTAIN MATERIALS, INFORMATION, PRODUCTS, SOFTWARE, PROGRAMS, OR SERVICES, YOU DO SO AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGES THAT MAY RESULT, INCLUDING LOSS OF DATA OR DAMAGE TO YOUR COMPUTER SYSTEM.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.
LIMITATION OF LIABILITY
IN NO EVENT WILL Skyline Home Loans BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES OF ANY TYPE WHATSOEVER RELATED TO OR ARISING FROM THIS WEBSITE OR ANY USE OF THIS WEBSITE, OR OF ANY SITE OR RESOURCE LINKED TO, REFERENCED, OR ACCESSED THROUGH THIS WEBSITE, OR FOR THE USE OR DOWNLOADING OF, OR ACCESS TO, ANY MATERIALS, INFORMATION, PRODUCTS, OR SERVICES, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOST SAVINGS OR LOSS OF PROGRAMS OR OTHER DATA, EVEN IF Skyline Home Loans IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS EXCLUSION AND WAIVER OF LIABILITY APPLIES TO ALL CAUSES OF ACTION, WHETHER BASED ON CONTRACT, WARRANTY, TORT, OR ANY OTHER LEGAL THEORIES.
Nationwide Mortgage Licensing System & Registry (NMLS) Company ID # 12072
Arizona Mortgage Banker License #927740
Licensed by the Department of Business Oversight (CA-DBO) under the California Residential Mortgage Lending Act #4130296
Licensed by the Department of Business Oversight (CA-DBO) under the California Finance Lenders Law #60DBO45045
Licensed by the Bureau of Real Estate (CA-BRE) Real Estate Corporation License #00899440. Skyline offers Commercial Loans under CA-BRE
Registered with Colorado Division of Real Estate
Florida Mortgage Lender/Servicer License No. MLD947 issued by the Florida Office of Financial Regulation
Georgia Mortgage Lender License # 42980
Licensed by the Hawaii Division of Financial Institutions No. HI-12072
Licensed by the Idaho Department of Finance MBL-7422
Illinois Residential Mortgage Licensee #MB.6761108
(not currently lending in)
Kentucky Mortgage Company License #MC292122
(not currently lending in)
Residential Mortgage Lending License
Maryland Mortgage Lender License #21400
(not currently lending in)
Michigan 1st Mortgage Broker/Lender/Servicer Registrant #FR0019370
(not currently lending in)
Residential Mortgage Originator License #MN-MO-12072
Nebraska Mortgage Banker NMLS# 10272
(not currently lending in)
Licensed by the New Hampshire Banking Department License #19536-MB
(not currently lending in)
New Jersey Residential Mortgage Lender License
New Mexico Financial Institutions Division, Registered Mortgage Company License #01653
(not currently lending in)
North Carolina Mortgage Lender License #L-163044
(not currently lending in)
Ohio Mortgage Broker Act Banker Exemption #MBMB.850231.000
Oregon Division of Financial Regulation License ML-2797
Mortgage Lender / Servicer License MLS#12072
Tennessee Mortgage License #108815
Registered with Texas Department of Savings and Mortgage Lending
Licensed by the Division of Real Estate License #5318719
Virginia Lender License #MC-5861
Licensed by the Department of Financial Institutions No. CL-12072
File a Complaint
Skyline Home Loans is committed to having satisfied customers.
Complaints may be submitted:
- In person at any Skyline location
- Via email to firstname.lastname@example.org
- By phone – 877-995-1700
- By mail – 27001 Agoura Road, Suite 350, Calabasas, CA 91301
Attention Texas Residents
Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.