CCPA Consumer Notice
What Information Do We Collect From You and Why?
Golden Empire Mortgage, Inc. (“GEM”) is a residential mortgage lender that provides home loans to consumers. In providing these financial services, GEM collects and receives from consumers and other sources personal information that identifies, relates to, describes, is capable of being associated with, or can be linked, directly or indirectly, to a consumer or household (“Personal Information”).
When you apply for a home loan, or otherwise seek a pre-qualification, pre-approval, or other financial service from GEM, the categories of Personal Information that GEM will collect from and about you include the following:
- Identifying information
- Contact information
- Location information
- Demographic information and legally protected characteristics.
- Citizenship information
- Employment information
- Education information
- Family and Household information
- Income information
- Expense information
- Asset information
- Liability information
- Credit/Credit History information
- Tax information
- Investment information
- Retirement information
- Housing/Housing Preference information
- Mortgage/Mortgage Preference information
- Internet and other electronic network activity information
GEM uses the Personal Information it collects from and about you to offer, make, monitor, service, sell, insure, and securitize any home loan offered to or accepted by you, and for the following additional purposes:
- To provide home loans requested by you.
- To identify/confirm your identity.
- To communicate with you.
- To evaluate your creditworthiness, credit standing, credit capacity, and credit history.
- To process and underwrite your loan application.
- To fund and close a home loan for you.
- To obtain governmental guaranties and mortgage insurance.
- To obtain private mortgage insurance.
- To make available and to obtain loan pricing and interest rates.
- To sell, transfer, and assign your home loan after it closes.
- To service your home loan after it closes.
- To collect delinquent payments and to foreclose, if necessary.
- To engage in marketing and advertising campaigns and outreach.
- To detect security incidents.
- To protect against malicious, deceptive, fraudulent, and illegal activity.
- To debug in order to identify and repair errors that impair system functionality.
- To make reports and issue statements for federal, state, and local tax purposes.
- To maintain and retain records consistent with GEM’s record-keeping obligations.
- To ensure legal, regulatory, and administrative compliance.
- To initiate and defend against legal, regulatory, and administrative claims and related matters.
- To comply with private investor, Fannie Mae, Freddie Mac, HUD, VA, and RDS requirements.
- To comply with applicable federal, state, and local laws, regulations, and requirements.