Privacy Policy

Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose, and make use of personal information.

Before or at the time of collecting personal information, we will identify the purposes for which the information is being collected.

  • We will collect and use of personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law.
  • We will only retain personal information as long as necessary for the fulfillment of those purposes.
  • We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.
  • Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.
  • We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use, or modification.
  • We will make readily available to customers information about our policies and practices relating to the management of personal information.

We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.

This short outline included important aspects of our privacy policy. To review our entire privacy policy, email us at the address on our home page.

(c) Nelson A. Locke Esq. 2015     7800 Preston Road #118; Plano TX 75024     (800) 656-4584

Customer Complaint Policy

It is the policy of our company to respond to customer complaints, disputes and issues immediately, to take each complaint seriously, to investigate each complaint however small it is – immediately and to take remedial actions swiftly.

As soon as a complaint is received, it is documented and is logged into a special log. The complaint is sent directly to the Customer Complaint Officer or his designate, in order to take action.

All complaints and records of complaints are kept in a special complaints binder along with all the Customer Complaint Officer's Quality Control Files and other written policies so employees can easily access them and use them to provide better customer service. Reports on complaints are reviewed during the Customer Complaint Officer's meetings with our Board. We are focused on providing financial products and services to all customers in compliance with all Federal and State regulatory policies including but not limited to consumer protection, fair lending and civil rights laws. For more information, contact us at  (321) 341-2245

Web Site and Facebook Compliance Enhancement

BE SURE you prominently display your Company NMLS number right under your Company name in the header (top) of your web site or Facebook page.
nywhere your name personal appears, or your MLO names, be sure you display your NMLS number(s) under your name(s) by your other contact information.
Use an easy to read size type like a 12 font.
Then, repeat the Company NMLS # and contact information on the footer so it appears on every single web site page at the bottom. If your regulator has to look for these NMLS numbers they will likely make that a negative finding.
Next, follow these instructions to create the Important Disclosure Page.
  • Have your IT person (or yourself) add a page to your web site
  • Have the page open up in a new window, so that when your customer closes it they go back to your web site, not to cyber space.
  • Call the page “Important Disclosures”
  • Add a link on the footer, so it appears at the bottom of each page that says “Click here to read Important Disclosures”
  • On the page, you will copy the following three shortened policy statements from Book One.
  • Web Based Privacy Policy
  • Web Based Government Disclosure
  • Web Based Customer Complaint Policy
  • State Specific Requirements if necessary – such as Texas Disclosures
If you are a private money lender who does not handle government loans, you may omit the Government Disclosure. A government loan is one that involves FNMA, FHLMC, FHA, VA, USDA, or GNMA.
Once you have done this, let us know and we will mark our files to show you are compliant.
© Web Site Compliance Disclosures – Compliance Services and Nelson A. Locke, Esq 2015
(800) 656-4584
These materials are not from HUD, FHA, the USDA, or the VA. These materials were not approved by any government agency. They are independent of any government agency. We are not in any way affiliated with any organization listed or referenced within this website, including HUD/FHA/USDA/VA. The inclusion of various education, information, web links, or materials are not an endorsement of the Sender or any of its employees or business partners.
For information directly from HUD/FHA, visit http://www.hudclips.com
For information directly from the VA, visit http://www.benefits.va.gov/HOMELOANS/
For information directly from the USDA, visit http://www.usda.gov/wps/portal/usda/usdahome?navid=GRANTS_LOANS

STATE OF TEXAS MORTGAGE COMPANY DISCLOSURE

Texas Mortgage Company Disclosure

In compliance with the Texas Dept. of Savings & Mortgage Lending
OUR company name:orca Home loans


COMPANY NMLS:1904915
Loan Officers
NMLS Number
Daniel Savage
1393730
Manuela Ibanez
1662482
Frank Falbo
2313258
Eli Emiliano
2323503
William Klinglesmith
1794186
Debi Bennefield
2071774
Vicky De La Cruz
2066888
Dawn Burlace
2087058
Jonathan Edmiston
2264302
Dj Arsenault
390402
Carolyn Trevino
2545205
Trish Bellows
2602286
Tramaine ChatmanRose
2114482
Nahsiam Friant
2556066
Robin Costoplos
2571793
Brady Hammond
2570570
Matthew Tate
2512136
Diana Mulder
2099002
Michelle Bachmann
2625856
Angelo Giannotti
2068999
Adriana Szczech
2599016
Adam Eisen
392064
Juan Reyes
1922350
Holton Irwin
1716365
Felipe Padilla
1978046
Andrew A. Alderete
1978046
Jim Sheehan
2028275
Leonel Dubon
1969229
Justin Riggan
2013527
Jeff Margolis
2104918
Ethel Urbina
2330618
Samantha Sarver
1450349
Shalimar Santiago
2091712
James Markey
2341013
Jackie Edens
2081919
Patricia Ziehler
2110441
Khaleel Ahmed
2090666
Diane Wicks
2088988
Rhonda Villagomez
2328270
Ashley Edens
2083126
Daniel Juviel
2572687
Edgar Mora
536668
Sivakumar Krishnan
2042218
Ricardo Cobos
120651
Mark Colaci
1514794
William Patterson
2531004
Danielle Britton
2610068
Andres Ospina
1876633
Trudy Padilla
2104770
Alejandro Hernandez
1755041
Sean Trinkle
2099395
Susan White
2080696
Richard White
2080748
Stephen Williams
2321860
Roy Foster
2180983
Susie Mendoza
769464
Robyn Heathcock
2178942
Jeffrey Tabares
2105748
April Aberle
2558498
Michelle Ganetis
2089036
Chelsea Spence
2352346
Melanie Shadwick
513103
Donna Chase
2529149
Lori Tims
2231554
Tricia Madrid
2566884
Kayla White
2301232
Christina Tucker
2162662
Richard Timm
2042431
Joan Wilson
2081537
Anand Ramanujam
2602472
Brittany Payne
2124728
Beverly Lord
1693971
Nicole Marsh
2159635
John Boozer
2630588
Eric Zitelli
2068940
Venessa Finazzo
2097734
Kristen Kesling
241019
Alison Markham
2106282
Blanca Byrne
2143687
Harlan Mayer
2333534
Janet Rivera
2293396
Laura Bowers
2029694
Jamie Day
2095112
Kevin Burlace
2087628
Bri Hays
267531
Lindsey Goss
2364085
Cindy Hawthorne
2350220
Hannia Rodriguez
2098398
Tonya Kolb
2510915
KIMBERLY BEST
387774

Duties and Nature of Relationship:

We will submit your loan application to a participating lender which we may from time to time contract upon such terms as you may request or a lender may require.  In connection with this mortgage loan, we are generally acting as an independent contractor and not as your agent.

How we will be compensated:

The retail price we offer you – your interest rate, total points, and fees – will include our compensation.  In some cases we may be paid all of our compensation by you or by the lender or investor.
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.
Texas Department of Savings and Mortgage Lending Mortgage Company Disclosure
Provided by Nelson A. Locke, Esq. (800) 656-4584