Best Home Alarms

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Information To Help First Time Home Buyers

June 4, 2011

When you’re a new home buyer, there can be quite a bit to think about. Let’s visit here and look at a few pieces of information that will help inform you and make you ready to start your search. You can also check this out if you’re looking for some property valuation experts who can provide best valuation services you may need when buying a home.

If you’re planning on moving every year or so, you are likely not an ideal home buyer. The reason for this is that liquidating real estate is not a cheap process. People who move quite often would be better off looking into purchasing a rental property that they can hold onto for a longer period of time.

Buyers always seem anxious to go out and start shopping, but this is actually not the first thing that needs to be done. You will want to talk to a lender first and get pre-approved for a home mortgage loan. This will ensure that you are looking for homes in your price range. And make sure that you get pre-approved, rather than pre-qualified. The pre-approval process is when the lender bases your qualification on actual financial data and credit worthiness.

You will want to make sure you have a look at your credit report months before you are ready to shop. If you take our advice and get your pre-approval ahead of time, you can do this when you sit down with your lender, who can pull your credit for you. Then, if there are any corrections that need to be made, you have time to do so before you’re ready to actually buy.

Make sure you are looking at homes that you can actually afford. When the lender discusses your pre-approval, she will give you a maximum spending price. But you need to know that the price for which you qualify if not the most important aspect. A fantastic lender, who really has your best interest at heart, will talk to you about how much money you’re comfortable paying each month. This amount may not equal the amount you would have to pay for the price at which you are actually qualified, so you need to know both.

Don’t have 20% to put down? This may not be an issue at all. FHA loans only require 3.5% down, and VA loans don’t require any! Talk to your lender to see if either of these options are appropriate for you.

Find a good REALTOR to work with. There are so many hiccups that can happen during the course of an escrow, and having an experienced agent in your corner is invaluable. Plus, the seller pays your agent’s commission!

Don’t write any offers with out doing plenty of fact finding. Your agent will be invaluable here, as he will be able to contact the listing agent to see if there are competing offers, any known defects with the property, and other pertinent information. The facts that may be uncovered could greatly influence your offer stance.

Inspect the home! Although you will receive a pile of paperwork full of seller disclosures, it is imperative that you hire your own inspector to give you an unbiased opinion as to the condition of the home. If the inspector uncovers any big-ticket repair items, it may be appropriate to ask the seller to make repairs or reduce the price. Your agent will help you with this.

Here are some referrals: San Diego REALTOR and Hillcrest Real Estate.

Home Security – 10 Tips To Protect Yourself And Your Family

October 23, 2010

When people think of home security, they are inclined to think of electronic surveillance systems. However, there are other methods to protect yourself and your family from harm and burglars. I will give you my top ten tips for home security.

1] Windows are really the key to home security. Window-stays become loose or sloppy as they get older and now and then you can get a window-stay to jump off its peg by thumping the outside window frame. Fit window stay locks

2] Doors must be robust, well-hung on strong hinges and have secure locks. Fit deadlocks, especially on external doors.

3] Extra keys must not be secreted near the door under a mat, a flower pot or a stone. If you want to leave a key with a neighbour, choose the neighbour carefully. Be cautious of those with teenage kids, their friends may become aware that the spare key in the fruit bowl is to your house.

4] Tools that can help a burglar must be locked away. Keep your shed and garage doors locked and if you have a ladder, chain and lock it to a fixed point like a wall.

5] Dogs are helpful for home security, but they should not be relied on. Some thieves will poison a dog to get in. If you leave your dog in the house, get a box to fit inside your door to collect whatever comes in, lock the letter box closed or seal it off for good. If you leave the dog in the yard, try to get a neighbour to check up on it from time to time.

6] Plants and bushes should not be allowed to grow big enough to obstruct anyone’s view of windows and doors. Passers-by and ‘nosy neighbours’ are a big disincentive to thieves, but if no one can see a ground floor widow, the burglar can gain access unnoticed. if you do want bushes under your windows, make them tough, thorny ones.

7] Boundary walls or fences are your first line of defense. They can be a good deterrent, if you get the style right. Some people embed broken glass into the top of the wall, but this can be against the law and can hurt unwary cats. The best thing to do is nail carpet-gripper just below the top, inside lip of the wall. Anyone putting their hands over the wall to pull themselves up will get a very horrible shock and leave DNA.

8] Valuables should not be put on show near windows. Your house is your home not a presentation case. Put your TV, DVD player and video recorder in a cabinet, maybe get a safe for your valuables but conceal that too.

9] External lighting is a key part of night-time security. Get exterior lights that are activated by motion (microwave) or heat (passive infra red), put at least one on each outside wall of your house.

10] Electronic surveillance systems are a necessity these days. You do not need cameras, but they are helpful for identifying intruders. Your home security system can be wired or wireless, monitored or not.

These top ten home security tips should prevent your home from becoming an easy target for burglars.

Owen Jones, the writer of this piece, writes on many topics, but is currently involved with wired home security systems. If you are interested in Security Systems For Home Use, please click through to our site.

Credit: https://amcrest.com/ip-cameras.html

Security Bars: Good Or Bad?

July 14, 2010

There are many things that families and businesses do in order to safeguard their property. One technique that is often taken in the name of security is the addition of security bars to doors and windows. In spite of the inherent benefits of securing property, these bars often present risks of endangering the people inside.

One thing remains accurate, most burglars will keep moving rather than try entering into a home that has security bars on doors and windows. Home protection is the only security that these bars supply however for many, the risks involved in having these bars on windows is not worth the small degree of security that is provided. In other words, the good of these bars is greatly outweighed by the negatives.

A lot of people do not buy new security bars but rather rely on the same bars that have covered the windows of the home or business for many years. Some of these are rusted and nearly impossible to remove. In emergency situations, every second matters and these bars can be the very things that trap people inside a burning or flooding structure.

Security bars are no longer the inexpensive substitute to traditional alarm systems and monitoring services that they were said to be in the past. In fact, more often than not the present a greater risk than they are a benefit to business and homeowners. Many larger companies offer free installation of alarm systems and alarms as well as monthly monitoring services at realistic rates. More importantly not only are these monitoring services available for breaks-in, but also for fire and smoke as well as panic button services.

Security bars may have had a time and place, but they have been supplanted by something that is much more effective at deterring criminals as well as something that offers a greater degree of security for the most precious assets of any home or business – the people inside. The costs concerned in monthly monitoring seem great but most will find that the value this service offers if and when it is ever called upon is well worth every penny.

Options to burglar bars that are not terribly expensive include planting thorny bushes below windows and keeping them trimmed back just enough that they do not block a view of the windows. Most burglars do not want a difficult entry point and they certainly do not want to be wounded during the process by prickly plants. Lighting is another option that is essentially less expensive than it would be to install burglar bars. Intruders do not want to be seen. If the area surrounding your home and business is well lit, it will serve as a deterrent. Investigate options such as this before resorting to security bars.

To answer the question of whether or not security bars are worth the risks for home or business protection the answer would be a loud “No!”. There are other defensive measures that can be taken in order to deter criminals that pose far less risk to family members and employees. These options should be implemented rather than those that pose further risks to those you are trying to look after.

Owen Jones, the writer of this article, writes on many subjects, but is currently involved with home security systems comparison. If you are interested in Security Systems For Home Use, please click through to our site.

The Moving Experience

July 4, 2010

Moving can be fun or it can end up being horrible. For most people, it ends up being the latter. Packing, finishing paperwork, and trying to keep track of hundreds of boxes and pieces of furniture can be frustrating, especially if there’s a deadline to meet. For many people, the hardest part of leaving a house and moving is leaving behind the memories that took place in that home.

Leaving home and starting a new one doesn’t have to be a horrible experience. If it’s the packing you are struggling with, set up little checkpoints to reward yourself and the family when they get to that point. For instance, when the dinning room and kitchen are completely packed, let the family go out for a movie or ice cream. Or when your daughter’s closet is finally packed up, give her some nail polish.

If you’re trying to save money, offer rewards that don’t cost anything like coupons for getting out of chores, back massages, or having favorite meals made. Then, when you get to the new house, start making new memories. Don’t dwell on the friends and memories you left behind. Have a party in your new home for just your family. Do something special.

Something else you can do is to start making friends. Get to know your neighbors, don’t wait for them to appear on your doorstep with a casserole in hand, go out and meet them first. There’s nothing like friends to make your house feel like home.

Determine to make the new house a home. One thing you should do is make sure your new home is adequately protected. A home security system is one of the best ways to ensure you and your family are safe.

For more information about Dallas Home Security Monitoring promotions go to Smithmonitoring.com, compare us to other Dallas or Austin Alarm Companies and save.

categories: Moving,houses,packing,home,family,advice,security systems,safety,protection

Going Wireless – Home Security Cameras Made Easy

June 27, 2010

Where home security is concerned, wireless home security cameras are the ultimate in flexibility. You have the luxury of being able to install a system in your home without having to go through the hassle of rewiring your house. Below, we will briefly go over how conventional wireless home security cameras work and where one can go about purchasing a viable system for the home.

Wireless cameras work by transmitting a signal to a stand alone receiving unit. This receiver is in turn connected to a recording instrument such as a computer, a DVR or a VCR in some cases. To ensure optimal security conditions, it is advisable to get a fully redundant power system to ensure uninterrupted protection. Lastly, it is important to remember that your wireless home security camera requires power; be it via an electrical or a battery source; so it is imperative to maintain a reliable source.

You can find wireless home security cameras at any department store in America. Places like Rite Aid, Wal-Mart, Walgreens, and CVS Pharmacy, just to name a few are among many department stores that carry wireless home security cameras. Additionally, home improvement stores like ACE, Home Depot, and Osh Hardware & Garden all carry systems complete with stand alone monitors equipped with recording devices. Also the internet is a powerful and effective tool for those that are pressed for time, or that have budgeting considerations. You can make purchases from the comfort of your own home. Go online today and browse thousands of online retailers that carry wireless home security cameras.

Wireless home security cameras serve many purposes and have many benefits. First of all, wireless home security cameras are cheap. You will save money on property protection and the peace of mind you will have by knowing your family is safe is well worth purchasing a wireless home security camera. Secondly as a home owner in todays fluctuating market, it is important to know that by installing a wireless home security camera you are actually increasing the value of your property. Youll be glad you bought a wireless home security camera when the appraisal is done on your home.

Make sure to have your frequency lines clear. Some wireless home security camera systems will run into interference with telephony systems and ethernet and wireless internet uplinks. Professional installation is always the smartest solution to IT problems.

Click these links to learn more about Wireless Home Security Cameras and Video Security Cameras.

Three Degrees Of Defense That Protect A House

June 25, 2010

There are three degrees of security for every Home Alarm System. The first is the visual “front line of defense”, then the actual system itself, and finally the Police response. These defenses work together to provide a safe and secure home for families. Understanding these levels will lead to success at your house.

The first line of defense is visual, your yard signs and window decals. They give a visual defense to let the “would be burglar” know that there is a security system onboard and it’s being monitored. The yard sign should be placed in the front of the home, with window decals on east, west, and south sides. They should be free from obstruction, for example, trees, scrubs, and flowers. This is your first line of defense, and if a burglar ignores this warning it can lead to and unpleasant ending.

The second line of defense is the security system itself. The security system should contain protection for all entry points to the home, and if broken into will make loud sounds. This is the burglar’s 2nd warning, and ignoring it will be highly unpleasant. You want to be able to know your alarm is always armed. Now on the security system there are more safety functions for the homeowner. Distress buttons to advance the system for police, fire, and medical, are some examples of several safety features.

The third line of protection is the Police. If a burglar ignores the first two warnings, it is the duty of the Police to quickly remind the burglar of the importance of listening to warnings. When your security system is monitored by a central monitoring station, it receives information on break-ins and notifies local authorities.

With these three levels of protection working together, a home reaches its maximum level of protection. Without just one aspect of security the whole system falls apart. It doesn’t matter if the exterior of the house looks like a fortress, if the second and third lines of defense are not working in collaboration with the first line of defense, the system fails to protect the home.

Looking to find the best deal on Home Security Alarm Systems, then visit www.smithmonitoring.com to find the best Dallas Home Security Alarms.

Today’s Home Security Alarm Systems

June 24, 2010

There are many home security alarm systems available to the security minded, in a wide variety ranging from simple to sophisticated. These systems can protect the person or the person’s whole environment. They offer protection from outside intrusion, but also can be valuable for everyday living and help prevent genuine accidents.

It is informative to research the current field of home security, to realize that keys are becoming obsolete, and that electronics are more secure than padlocks. Security ranges from personal pepper spray guns to the monitoring of entire building complexes. Seasonal hunters and others in various fields, always have AK47 rifles handy. We have all seen or used the buzzer system in apartment houses, where we can communicate with apartments multiple stories above and ask to be let in. We know not to try to exit a store through the back door, which is unlocked for safety but armed with loud noises when an unauthorized exit is attempted.

These and other, more advanced alarms and screening tools are available for home use as well. Sensors inside can let you know if someone enters an open door or window – on a sunny day when you want to let the breezes in – or those outside can alert you if someone drives or walks in the driveway. These sensors can also let you remotely monitor the pool, for instance, to keep children or pets safe.

Entry gates can have code numbers, security cameras, and audio boxes to allow only approved access. Garage doors can be opened only be those with the code or by remote control on a key chain or in the dash of a car. They can be programmed to close automatically once the car has left.

Doors and windows can be protected by motion sensors, hardwired alarms, wireless devices, audio gadgets that react to the sound of breaking glass, and shock detectors that sense vibrations. Cameras can be hidden or visible for their deterrent effect. Motion detectors come with lights that switch on automatically to light entry areas.

Fire alarms have been around for years, but now the wise homeowner can have freeze detectors, that can alert people to the danger of extreme cold and they can protect their pipes before costly damage is done throughout the house. Alarms can sense leaks as well, and be programmed with numbers to call in the emergency.

Family security can give parents peace of mind, with video and audio nursery monitors, cameras that can show play rooms and outside play areas, and sensors that monitor every door and window, from the front to the patio sliding doors and the basement windows. Children can carry a ‘tracker’, so Mon and Dad know where they are. The elderly can wear a device with a panic button to press if they cannot get to the phone, or remote control of a speaker phone to call for help.

Ranging from a household safe with a combination lock or a password lock on the computer to a hand or fingerprint scanner on the front door lock, today’s systems are more effective and far ranging than ever. Outbuildings, boats, parked cars, and vacation homes can now be monitored and protected around the clock no matter where the owners are. Every person and every possession can be safer when they are surrounded by the measures available now.

State and local laws apply to home security alarm systems, so check them out while you are doing research on the best system for your personal environment.

Don’t become a crime statistic – every 3 seconds there is a violent crime. InstantSpy – has a big line of affordable and reliable alarm systems,Hidden Cameras, wireless security camera systems and Personal Protection Devices available that will help you to protect your home and family.

Sensor Lighting To Make Your Home More Secure

June 22, 2010

Keeping our home and business safe could be a priority for most.There are many ways in which this may be accomplished. One, rather straightforward, method for aiding in this goal is usually overlooked by the multitudes however is one in all the foremost effective measures that can be taken so as to safeguard not only the property from intruders but conjointly to guard those on the property from unnecessary injury thanks to an inability to see what is occurring in the exterior after hours.

Seriously, poor lighting will build a home or business a abundant additional engaging target than the house adjacent that has adequate exterior lighting. Home intruders might sometimes not be the sharpest tools within the shed however those who are successful in this line of work are solely successful because they are doing understand the laws of opportunity. A dark shady space that is hid from the read of others presents a far more engaging target to would be intruders than a well-lit and revealing access purpose into a home.

When coming up with the safety set up for your home and business you actually want to attempt and think sort of a criminal. If you were going to break into your home or business where would you are attempting to realize entry? Those are the areas that need to be well lit and offer little within the way of concealment opportunities for those who would attempt to form an uninvited entrance. Do not build storage sheds near windows and doors. Instead, keep them far from these areas. Storage units provide concealment and shadow in areas where this should not be desired.

Not all security is simply from invasion. You should additionally be involved concerning the health and welfare of those who live and work in your home or business. Having the area surrounding your home and business will not solely reveal intruders but also obstacles, holes, and etc. that would create risks of injury in addition to potential intruders. You ought to conjointly keep in mind that not all intruders have solely possessions in mind after they build their grand entrance. Making your home or business uninviting as a ‘pit stop’ for these criminal components additionally makes it safer for your family, friends, coworkers, and employees.

You do not want to lightweight up your home or business like a military installation in order to achieve the terribly security you seek. Motion sensor lights that only lightweight up the realm in that motion is detected can prove basic enough protection in many cases while not inviting the neighbors to complain concerning the unending daylight you manage to create.

Rope lights give low level and ornamental lights however they also invite passersby to take a look at your property. This in itself makes your property unattractive to intruders if there is any kind of standard traffic in your neighborhood or a lively variety of neighbors that walk dogs, star gaze, or interact in any different nocturnal activities.

If rope lights are not appealing, many homes make judicious use of solar powered decorative lights, as half of their landscaping in addition to a hopeful deterrent to would be intruders. Combining two or more of the sorts of exterior lighting discussed above may internet even greater results. Prevention is often the best plan when it comes to things like home or business security yet because the protection of those that live and work in your home or business from potential damage thanks to inadequate exterior lighting.

These are all things that should be thought-about when making a security set up for your home or business. Lighting is vital for several reasons. Despite the fact that many individuals have high of the line security equipment and cannot realize their means across their lawns once lights are out far too few folks bother to take the need for adequate exterior lighting seriously. It is our hope that the readers of this text can have a new understanding of how much correct lighting will do to safeguard your home.

Motion Sensor Outdoor Lighting makes a lot of sense. But the quality can vary a lot between brands. The one light that seems to get the most negative feedback from users are the Solar Powered Motion Lights. Visit us to get more information on various outdoor sensor lights and what to look for before making a purchase.

A Review Of The Lifetone HL Bedside Fire Alarm Device

June 19, 2010

As technology continues to advance, we see great strides in the fire safety sector. MasterGuard, a distributor of fire safety products, proudly distributes the Lifetone HL bedside fire alarm as a new device that is also a fully functional bedside alarm clock. Hailed as a safer way to be alerted to fire, departments all across the US are touting the benefits of the device.

Special fire alarms are given to those who may not hear as well as the rest of the American population. These devices instead rely on vibrations to wake the individual instead of sounds. This is exactly how the Lifetone HL fire alarm operates- by sending vibrations as well as a loud tone to ensure maximum chances at alerting a family member to the impending dangers of the fire.

The backup battery included in the device will be able to supply the system for up to a full week without any charge. Compared to regular fire alarms, the Lifetone HL bedside fire alarm is more trusted in a situation where power is not available. As an added benefit, owners of the device will not have to constantly check for battery strength as with regular fire alarms.

Unlike most fire alarms, there is very little to do when setting up the Lifetone HL fire alarm. These alarms are easy to configure, meaning even the elderly who are not gifted with technology can program these devices to work properly. The devices feature large lettering, numbering, and displays so that those with troublesome sight can see everything clearly.

Your average fire alarm may be a lifesaver- but it likely doesn’t double over as an alarm clock! The Lifetone HL fire alarm can indeed be used as an alarm clock for bedside usage. The level of interaction required each day with the alarm also assures the user that the fire alarm is always in working condition. This multi-functional safety and convenience device is great to have in each bedroom of the household one wishes to protect.

When a fire breaks out, every second counts in getting out of the way of harm. That is why a fire detection device must be laden with the latest sensors and technology. It just so happens that the Lifetone HL fire alarm with bedside clock has excellent ratings in detecting fires. The product is also excellent in detecting a false positive- as many family members know to be an annoyance when smoking, cooking, or doing other activities that trick other fire alarms.

Closing Comments

MasterGuard endorses Lifetone HL bedside fire alarm and clock for the simple reason that it is effective at alerting home owners to a fire. Even a few seconds can mean the difference in safety and casualty where fires are concerned- so remember to find the best products to protect those of whom you love.

Learn more on MasterGuard and MasterGuard.

VideoSecu 8 Pack High Resolution Wide Angle Day Night Weatherproof CCTV Home Video Security Cameras with 2 Audio Microphone 2 pack 150ft AV cable and free surveillance Decal W19

June 16, 2010

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Top Home Alarm Articles

Home Security Is More Than Just Burglar Alarm System

Home Security – 10 Tips To Protect Yourself And Your Family

Wireless Cams Assist In Safeguarding Your House And Property

Security Bars: Good Or Bad?

What Is The Benefit Of A Home Security System?

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    With the exception of "Prohibition of Class and Representative Actions and Non-Individualized Relief", if an arbitrator or court decides that any part of this Agreement to Arbitrate is invalid or unenforceable, the other parts of this Agreement to Arbitrate shall still apply. If an arbitrator or court decides that any of the provisions in this Agreement is invalid or unenforceable, then the entirety of this Agreement to Arbitrate shall be null and void. The remainder of the Agreement and any disputes sections will continue to apply and that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in the County of Arapahoe, state of Colorado.

    Changes to the Agreement to Arbitrate

    Notwithstanding any provision in the Agreement to the contrary, you and we agree that if we make any change to this Agreement to Arbitrate (other than a change to any notice address or site link provided herein) in the future, that change shall not apply to any claim that was filed in a legal proceeding against us prior to the effective date of the change. The change shall apply to all other disputes or claims governed by this arbitration provision that have arisen or may arise between you and us. We will notify you of changes to this Agreement to Arbitrate by posting the amended terms on our Services at least 3 days before the effective date of the changes and/or by email. THESE TERMS PROVIDE THAT ALL DISPUTES BETWEEN US WILL BE RESOLVED BY BINDING ARBITRATION. YOU GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY.

    Prohibited Use

    You shall not use this Service for any illegal purpose, including, but not limited to:

    1. The transmission of any material that is:
    1. unlawful, harmful, harassing, abusive, libelous, racially or ethnically offensive, invasive of another's privacy, vulgar, threatening, obscene, sexually explicit, tortious, defamatory,
    2. or that infringes or may infringe on the intellectual property or rights of another, or in a reasonable person’s view objectionable; directly or indirectly interfere,
    3. or attempt to interfere with the proper working of this site/service or system integrities or securities; interference of any account,
    4. or any communication or transaction being conducted on this Service;
    5. use of any robot, spider, other automatic device, or manual process to monitor or access or copy our web pages or any content without our prior expressed written permission;
    6. or take any action which imposes an unreasonable or disproportionately large load on our infrastructure;
    7. or post, upload, transmit, submit, email or make available by any other means any data or content protected under any law or contractual relationship that you do not have the right to distribute;
    8. or conduct fraud, represent yourself as someone else or hide or attempt to hide your identity; and/or
    9. interfere or attempt to interfere with the proper working of this Service.

    Changes to Site, Terms and Policies

    We reserve the right to change any information, features or functions of our Services without prior notice.

    1. We may deny you access to the Services for any reason without prior notice if you engage in any conduct or activities that we determine, in our sole discretion, violate these Terms, our legal rights or the legal rights of any third party or are otherwise inappropriate.
    2. We are not responsible for any errors or delays in providing the Services whether caused by errors in the registration information you provided by any technical problems in our system.
    3. We reserve the right to make changes to this Agreement and the posted Privacy Policy. Any changes made will be effective from the date of such posting without further notice to you. As such, the Privacy Policy and Terms of Service posted at the time you register on our Services will govern our relationship for that registration and referral request.

    Electronic Communications

    When you visit our site, use our Services or send email to us, you are communicating with us electronically and you:

    1. Consent to receive communications from us electronically. Although we may choose to communicate with you by regular mail, we may also choose to communicate with you by email or by posting notices on our Services.
    2. Agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

    Anti-Spam Policy

    We do everything we can to avoid Spam, including all commercially reasonable measures.  If you have received unwanted email communications from us, please let us know as soon as possible so we can remove your information from all marketing efforts.  You may email us HERE and let us know about the communications you received.

    Copyright and Trademark Notice Information

    Our Services may contain intellectual property owned by us and other parties. Under these terms and the relationship between users and us, we are the sole owner of the Services and all materials on or available through our Services including without limitation, all applicable U.S. and non-U.S. copyrights, patents, trademarks, and trade secrets, and other intellectual property rights thereto (collectively “Services Content”).

    Except as otherwise specifically provided in this Agreement:

    1. You may not download or save a copy of the Services Content or any portion thereof, for any purpose; however, you may print a copy of individual screens appearing as part of the Services Content solely for your personal, non-commercial use or records, provided that our marks, logos or other legends that appear on the copied screens remain on, and are not removed from the printed or stored images of such screens.

    Except as otherwise expressly permitted herein, you may not:

    1. Modify, copy, publish, display, transmit, adapt or in any way exploit any portion of our Services content unless you first obtain prior written consent from us -- and from all other entities with an interest in the relevant intellectual property. Any unauthorized attempt to modify our Services, Services Content, to defeat or circumvent our security features, or to utilize our Services for other than its intended purposes is strictly prohibited.

    LIMITATION OF LIABILITY AND DAMAGES

    IN NO EVENT WILL WE, OUR PARENTS, SUBSIDIARIES, PARTNERS, AGENTS, AFFILIATES, LICENSORS, SUCCESSORS AND ASSIGNS AND THEIR RESPECTIVE OFFICERS, DIRECTORS, AND EMPLOYEES AND SHAREHOLDERS BE LIABLE TO ANY PARTY (i) FOR ANY INDIRECT, DIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF BUSINESS PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION, AND THE LIKE), OR ANY OTHER DAMAGES ARISING IN ANY WAY OUT OF THE AVAILABILITY, USE, RELIANCE ON, OR INABILITY TO USE THE SERVICES OR SERVICES CONTENT, EVEN IF ALL SUCH PARTIES SHALL HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE; OR (ii) FOR ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN, OR DESTRUCTIVE PROPERTIES OF THE SERVICES OR THE SERVICES CONTENT. YOU AND WE AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO OUR SERVICE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, OUR LIABILITY IN SUCH JURISDICTION SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

    NO WARRANTY

    Except as expressly set forth herein, we are not responsible for any incorrect or inaccurate information or entry of information, whether caused by a user of our Services or by any of the equipment or programming associated with or utilized in connection with our Services or any Services provided on or through our site, or by any technical or human error which may occur in the processing of information received by us. We assume no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or authorized access to, or alteration of, information received or submitted in connection with our Services. We are not responsible for any problems, errors or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, or software, or any failure of email on account of technical problems or traffic congestion on the Internet or at our Services or combination thereof, including injury or damage to participants or to any other person’s computer related to or resulting from use of our Services or Services Content.

    THE CONTENT AND ALL SERVICES ASSOCIATED WITH OUR SERVICES ARE PROVIDED TO YOU ON AN "AS-IS" AND "AS AVAILABLE" BASIS. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF OUR SERVICES OR THE INFORMATION, CONTENT, MATERIALS, SERVICES INCLUDED ON OR ASSOCIATED WITH OUR SERVICES INCLUDING ANY LOAN YOU MAY CHOOSE. YOU EXPRESSLY AGREE THAT YOUR USE OF OUR SERVICES IS AT YOUR SOLE RISK.

    WE DO NOT MAKE, AND EXPRESSLY DISCLAIM, ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, CORRECTNESS, OR COMPLETENESS OF THE CONTENT OR THE SERVICES OR THE SAFETY, RELIABILITY, TITLE, TIMELINESS, COMPLETENESS, MERCHANTABILITY, CONFORMITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH OUR SERVICES. IT IS YOUR SOLE RESPONSIBILITY TO INDEPENDENTLY EVALUATE THE ACCURACY, CORRECTNESS OR COMPLETENESS OF THE CONTENT AND THE SERVICES AND PRODUCTS ASSOCIATED WITH OUR SERVICES AND ANY LOAN YOU ACCEPT. WE MAKE NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT OF OUR SERVICES MAY BE AVAILABLE FOR DOWNLOADING FROM OUR SERVICES IS FREE OF INFECTION FROM ANY VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACK DOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION. WE DO NOT MAKE ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING ANY QUOTES OR OFFERS PROVIDED ON OR THROUGH OUR SERVICES. WITHOUT LIMITING THE FOREGOING, YOU ACKNOWLEDGE AND AGREE THAT WE ARE NOT A LENDER, BROKER, INVESTOR, FINANCIAL INSTITUTION OR OTHER SERVICE PROVIDER. YOU ACKNOWLEDGE AND AGREE THAT WE ARE SOLELY AN INTERMEDIARY BETWEEN YOU AND SUCH PERSONS OR INSTITUTION AND, THEREFORE, WE EXPRESSLY DISCLAIM ANY AND ALL LIABILITY FOR ANY CONTENT, SERVICES OR LOANS PROVIDED BY SUCH SERVICE PROVIDERS.

    RELEASE

    YOU HEREBY AGREE TO RELEASE, REMISE AND FOREVER DISCHARGE THE COMPANY AND ITS SERVICE PROVIDERS AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, INFORMATION PROVIDERS, AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES AND ALL OTHER RELATED, ASSOCIATED, OR CONNECTED PERSONS FROM ANY AND ALL MANNER OF RIGHTS, CLAIMS, COMPLAINTS, DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABILITIES, OBLIGATIONS, LEGAL FEES, COSTS, AND DISBURSEMENTS OF ANY NATURE WHATSOEVER WHETHER KNOWN OR UNKNOWN, WHICH NOW OR HEREAFTER EXIST, WHICH ARISE FROM, RELATE TO, OR ARE CONNECTED WITH YOUR USE OF THE SERVICE.

    Indemnification

    You agree to indemnify and hold The Company , its subsidiaries, affiliates, agents, shareholders, officers contractors, vendors, employees, and service providers harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of this Service, the violation of this Agreement by you, or the infringement by you, or other user of this site/service using your computer, of any intellectual property or other right of any person or entity.

    The Company and its Service providers assume no responsibility of any kind for such content or actions. The Company reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you.

    Termination

    If you breach or violate any part of this Agreement or provisions in the Privacy Policy you may no longer use this Service. The Company may, in its sole discretion, change, suspend, or terminate, temporarily or permanently, this Service or any part of it at any time, for any reason, without notice to you and without liability to you or any other person. You agree that all terminations for cause shall be made in The Company’s sole discretion and shall not be liable to you or any third party for any termination.

    Entire Agreement

    This Agreement constitutes the entire terms of use agreement between you and The Company and governs your use of this Service which supersedes any prior agreements between you and The Company . You also may be subject to additional terms and conditions that may apply when you use other services, affiliate services, third party content or third party software.

    Revised 1/22/2021

     

    Privacy Policy

    GRANTHOOD POLICY

    Date last revised: January 22, 2021

    PLEASE READ THIS PRIVACY POLICY CAREFULLY. BY ACCESSING OR USING THE SITES OR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND TO ALL THE TERMS AND CONDITIONS OF THIS PRIVACY POLICY. IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, PLEASE EXIT THIS PAGE AND DO NOT ACCESS OR USE THE SITES OR SERVICES.

    Please note that we are not a mortgage lender, home services contractor, debt service company, debt settlement company, real estate company, insurance agent, auto sales company or automotive warranty organization. This site and the services offered is not, and is not intended to be, any type of application for any financial/insurance product or service.

    This Privacy Policy discloses the privacy practices of Grant Hood Marketing, its affiliates and subsidiaries, (collectively “we”, “us”, “our”, or “the Company”) and governs the collection, sharing and security of information through our website, or other Company products and services (collectively, the “Services”) by users of the Services (“you” or “your”).

    Types of Information We Collect

    Personal information: This is information that can be used to identify you. Most of this information is provided by you on this site to fulfill your request. The information may include your name, address, telephone number(s), mobile numbers and email address, employment status or self-employment or other unique information about you which you provide to us on this site, or through the course of communicating with us about the products and services provided on this site.

    Behavioral information: This is information which is automatically collected when you use the site. It includes the areas of the site that you visit, what services you engage with, and information about your computer hardware and software, including your IP address, geographic location, browser preference, operating system type, domain names, times that you access the internet, and other web properties you may have visited.  If we can identify you through this information, it is Personal Information.

    Demographic information: This is information that refers to selected population characteristics. Such as zip code, military status, personal and online interests. When we can identify you through this information, it is Personal Information.

    Third party information: This is information about you that we may collect from a third party which could include personal, demographic, behavioral and indirect information. This collection may include, but not limited to, first party cookies, third party cookies, anonymous cookies, persistent identifiers, email opt in, and search engine keywords. Since these are third party cookies, we have no access or control over these cookies and other tracking technology used or owned by third party advertisers and networks. Because we do not have ownership or control over this technology and it is governed by third party policies, we have no responsibility or liability for those parties or their policies and practices.

    Web technology information:  This may be personal or non-personal information and collected by us or third parties under contract with us. We use two third party services:  ActiveProspect’s TrustedForm Script is used to independently document users’ consent to be contacted. The TrustedForm Script is embedded on this website and collects the following information when you interact with the page(s) where the script is present: page URL, mouse movements and clicks, contact information inputted by the user, a snapshot of the page, including IP address of the user’s computer, time on the page, date and time that the TrustedForm Script was loaded, as well as the date and time of the various user interactions with the page, and HTTP headers from the user’s browser. For more information about ActiveProspect’s data use and collection policies and practices, please review the ActiveProspect Privacy Policy, located at ActiveProspect.  Similarly, we utilize Jornaya’s LeadiD script which is embedded on this website and also collects information such as browser type, Internet service provider (ISP), referring/exit pages, platform type, date/time stamp, IP address and number of clicks and  tracks users’ movements around the site (including the capture of visual snapshots of the user’s activity on the site).  To review Jornaya’s data use and collection policies and practices, please visit: Jornaya.  The information collected from this technology is combined with other aggregate data to issue a unique identifier for that site visit.

    We will never knowingly collect any Personal Information from children under the age of 13. If we obtain actual knowledge that we have collected Personal Information about a child under the age of 13, that information will be immediately deleted from its database. Because it does not collect such information, we have no such information to use or to disclose to third parties.

    How We Use and Share Information

    The information collected on this site is used and shared for the following purposes:

    1. We will share your information with multiple businesses who offer the product/service that you have inquired about. We will share your information with third parties who help us in the delivery of the products and services you have requested. You understand and agree that when you submit an inquiry for these services, you explicitly authorize us to share your information with third parties so that they may contact you by email, SMS, telephone and/or direct mail.
    2. We share your personal information with third parties who will provide you with their opportunities, products or services. This includes your interests and preferences, so they may determine whether you might be interested in their products or services. You agree to receive autodialed or prerecorded calls, texts and emails from us and any affiliates or third parties to the phone numbers (including mobile numbers) and email addresses you provide on this site. Your consent is not a condition, directly or indirectly of any type of purchase. The information you provided on this site will be shared and purchased by these businesses in order to provide such services. As a result, we provided your personal and non personal information to these businesses so they may contact you. This will allow for you to compare different services/products and providers prior to purchasing such services/products.
    3. We also share your personal information with companies and individuals we employ to perform web technology or mechanical functions on our behalf, such as third parties who host our website, verify submissions, analyze our data, provide marketing assistance, process credit card payments, and provide customer service. Your actions on the inquiry pages will be recorded and captured by third party services such as ActiveProspect and Jornaya. These records are stored and retrieved for legal purposes in providing proof of proper consumer consents and internal audits to ensure proper consumer disclosures were provided when required under applicable Federal and State laws and regulations.

    CrossDevice Advertising and Tracking: We may collect and use and share the above data with a third party for cross-device advertising purposes. This allows consumers to experience a personalized, informative marketing that delivers specific product interests over multiple devices. This information may be used for analytics, and reporting purposes.

    Push Notifications: We may use push notifications and alerts to notify you of services and/or products that you have expressed interest in on multiple devices. If you no longer wish to receive these types of communications, you may turn them off at the device level. You may optout of push notifications or alerts. through your browser settings.

    1. We may share aggregated anonymous information about you, which may be combined with other persons using our website with third parties, so that we and our service providers understand the diversity of visitors and their activity/use of our website.
    2. We will disclose your information if legally required to do so, or at our discretion, pursuant to a request from a governmental entity, or if we believe in good faith that such action is necessary to stay legally compliant or prevent a crime; and we will share your information if we sell our company or merge with another company.
    3. We will share your information in order to process Opt-Out requests with affiliated partners and/or third parties in order to process and monitor these requests.
    4. We may disclose your information to improve, manage and protect our information technology infrastructure and security. We may also disclose your information for any other purpose with your consent and may share non-personal at any time for any purpose.
    5. We may disclose your information in an insolvency proceeding, whether voluntary or involuntary, as our role of liquidator, administrator, receiver or administrative receiver we may sell, license or otherwise dispose of such information in an event approved by the court.

    Technology We Utilize

    The use of technologies such as cookies, web beacons and java script may be implemented by us and third parties. These will be placed and used as tracking technologies by us, third parties and advertisers.

    These technologies and some that are similar collect web technology information about you such as:  internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or mouse and clickstream data. We may receive reports based on these technologies on an individual or aggregated basis for analysis purposes.

    1. Cookies. Cookies are small text files that are stored on a user’s computer for record-keeping purposes and which contain information about that user’s computer. Cookies allows us to identify files on your computer and record your preferences and other data about your visit to our website so that when you return to the website we are able to identify you and can personalize repeat visits. When cookies settings are disabled or changed you may experience site or service features that do not function properly. You may control these permissions by modifying your browser preferences to reject all cookies.
      Third Party Cookies. We allow third party vendors and advertisers to set their own cookies on and through this site. We do not control the practices of those third parties and we are not responsible for their technology or tracking. It is important to review the policies of such persons or entities on their websites. We use AdWords Remarketing through Google which is a Remarketing and Behavioral Targeting service provided by Google Inc. which connects the activity on this site with the AdWords advertising network and the DoubleClick cookie. That Cookie collects information regarding certain patterns in your browsing history. To optout of this tracking, please see here.
      Social Media Cookies. This site may include social media features. These features may collect your IP address, the web properties you engage with, and may set a cookie to enable the feature to function properly. Social media features are either hosted by a third party or hosted directly on our web properties. Your interactions with these features are governed by the privacy policy of the company providing it.
    2. We utilize Google Analytics Advertising. This includes: Remarketing with Google Analytics; Google Display Network Impression Reporting; DoubleClick Campaign Manager integration; Google Analytics Demographics and Interest Reporting. Google uses cookies to track activity performed by Google Analytics and its AdWords or DoubleClick cookie. To opt-out please see here.
    3. We use Google Analytics services which is an analysis service. Google utilizes the data collected through its cookies to track and examine the use of this site, to prepare reports on its activities, and to share them with other Google services. You may opt-out of the Google Analytics service here.
    4. Web Beacons. We use electronic images known as Web Beacons (ie, single-pixel gifs, clear gifs or action tags) this allows the collection of information about your visit to this site to measure and improve the effectiveness of any marketing and track delivery of marketing and other communication methods. Web Beacons collect only a limited set of information like a cookie number, time and date the page was viewed, as well as a description of the page on which the Web Beacon resides. We may also use Web beacons in email messages. This allows us to determine if you opened or engaged with the email messages. Web Beacons may be rendered ineffective by either opting out of cookies or changing the cookie setup in your browser.
    5. JavaScript. We may also use JavaScript. JavaScript is a computer language that enhances the functionality of web properties, particularly with respect to pictures. We or third parties also use it to track, record and analyze user interactions, provide proof of legal compliance, and improve our site’s functions. You may deactivate JavaScript through your browser settings or activate it the same way.

    Unsubscribe, Opt Out or Revoke

    1. To opt-out of receiving SMS or email communications from us, please follow the instructions in our SMS or emails to unsubscribe from our email list. You may also reach us via email at: [email protected]
    2. To opt-out of communications from third parties, please follow the instructions to opt- out in those entities’ communications.
    3. To revoke consent at any time for any use of personal information you may have provided, please reach us via email at: [email protected] with “revoke Personal Information” referenced in the message.

    Data collected is purchased and/ or transferred to network in real-time. Should you choose to unsubscribe, opt-out or revoke consent, your data may have already been sent to our network. We cannot revoke your information from a third party if it has already been sent. When required, we will notify third parties that we have shared your information of your request. We will remove your personal information (as permitted by law) from our systems and further communication from us will cease. If any third parties contact you, please follow the instructions to opt-out in those entities’ specific communications.

    Third Party Information

    We have relationships with other companies that we allow to place ads on our site to market offers that you may be interested in. When you visit our site, ad server companies may collect information such as your domain type, your IP address and clickstream information. For further information, consult the privacy policies of the companies representing the ads or click here.

    Third parties may provide certain features on this site or to display advertising based upon your web browsing or application activity use Flash cookies and HTML5 to collect and store information. Various browsers may offer their own management tools for removing HTML5. To manage Flash cookies, please click here.

    This site and communications such as email messages sometimes contain hypertext links to websites owned by third parties. We are not responsible for the privacy practices or the content of such other websites. These links are provided for your convenience and reference only. We do not operate or control any information, software, products or services available on these third party websites. The inclusion of a link on our site does not imply any endorsement of the services, products or website, or its sponsoring organization.

    “Do-Not-Track” is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third-parties. We do not currently respond to Do-Not-Track signals.

    If you wish to limit the collection of information by us or third party partners to provide you with marketing based upon your website browsing activities and interests, you may click here to opt out.

    To opt out of targeted advertising on your mobile device, iOS users can click here to learn how to limit ad tracking and Android users can click here to learn how to opt out of interest-based ads.

    Please note that opting out of interest-based/targeted advertising will not limit all advertising.

    Privacy Policies of Third Parties

    This Privacy Policy only addresses the Services offered by us. Other websites or services, for example, those websites we provide links to, or services you may have clicked-on that directed you to the Services, or websites that may be accessible to you through the Services, all have their own privacy policies regarding data collection, use and disclosure practices. If you visit any such website, we encourage you to review that website or service’s privacy policy.

    We are not responsible for the policies or practices of third parties.

    Storage and Security

    1. We utilize acceptable commercial security measures to protect against the loss, misuse and alteration of your information under our control. Even with commercially reasonable technological precautions to protect your data, no data transmission over the Internet can be guaranteed to be a hundred percent secure. We cannot and do not warrant that your information will be absolutely secure. Any transmission of data at or through our website is at your own risk.
    2. We will retain personal information, including user location information, only as long as our business needs require. We will then destroy or render unreadable any such information upon disposal.
    3. Depending on site requirements, we may employ Secure Sockets Layer (SSL) encryption technology to transmit data between a consumer’s browser and our web server. To use our websites, a consumer will need an SSL-capable browser such as MS Internet Explorer 4.0 (or higher) or Netscape Navigator 4.0 or higher.
    4. We contractually require that third parties handle your personal information similar to our practices. Although we do have agreements in place for third party activities, we cannot monitor such practices and cannot be responsible for third party security or handling of personal information. Please do not communicate any information to us or any third party through unsecured channels.

    Your Information- Request/Edit

    1. Users may edit/change profile settings, if applicable. If information is removed from a profile, copies of that information may remain accessible elsewhere if it has been shared with others or it was copied or stored by other users.
    2. We may be required to retain your information by law or for legitimate business purposes, such as to prevent identity theft or other misconduct.
    3. For questions regarding your personal information that we have collected or to correct factual inaccuracies within this information please email us at: [email protected]

    Minors and Privacy Statement

    No part of the Services is designed to attract anyone under the age of 18. Children under the age of 18 may not use the Services.

    Children’s Online Privacy Protection Act- This site is intended to be used by people the age of 18 and older. We do not knowingly allow any users under the age of 13 to use our service. However, if you become aware of the existence of a user who is under the age of 13, or that an individual under 13 has provided their information to us, contact us immediately with details by emailing us at: [email protected]

    If you are a parent or guardian and believe that your child under the age of 13 has provided personal information to us, you may contact us to request this information be deleted.

    CALIFORNIA RESIDENTS- California Privacy Rights

    The California Consumer Protection Act has granted specific rights and remedies. For your California Privacy Rights and Remedies please click here

    Revisions to this Privacy Policy

    We may change this Privacy Policy at any time. Upon any revisions, we will change the updated date at the top of this page accordingly. Any revised Privacy Policy will be effective immediately when posted on the Services We suggest users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. Your continued use of the Services after the effectiveness of such revisions will constitute your acknowledgment and acceptance of the terms of the revised Privacy Policy.

    Contact

    For questions or comments regarding this policy, or to report any abuse of personal information collected under this Privacy Policy, email us at: [email protected]

     

    Reallygood Rating System

    The rating system used features a score of one-to-five stars based on the following measures. Each category can be rated at one and a quarter full stars based on each Company's offerings, for a total of a five star rating.

    • Loan Products Offered: This is based on the different types of programs a Company is able to provide consumers. A Company who is able to offer conventional, FHA, VA loans and/or fixed program terms, variable terms, no-cost or low-cost loans, little or no down payment loans will likely score higher than a company who may not offer a variety of loan product types.
    • Loan Process Experience: Companies who offer online services such as: online applications, rate quotes or pre-approvals provide a very convenient experience in which consumers can complete this entire process without any appointments and a reduction in paperwork. Further, companies who offer additional resources to consumers such as, informative articles regarding the product, FAQ's, checklists of required documents, details of the entire loan process and costs involved with the process are items that consumers find helpful.
    • Qualification Requirements: Companies that allow for few qualifying criteria or non-conventional qualifying criteria are able to offer products to consumers that they wouldn't otherwise qualify for. Some of these alternative qualifications could include, but are not limited to: Non-traditional credit history, flexibility with a minimum credit score and flexibility with debt and income qualifying factors.
    • Company Reputation: Reviews from various websites are also used to score the Company. These resources provide information regarding a Company such as licensure details, any regulatory actions taken and past client reviews. Resources we use to review this information are: Better Business Bureau, Nationwide Mortgage Licensing System, TrustPilot and/or TrustSpot.