Alderus Mortgage, a division of Lower, LLC | NMLS #1124061 | 8621 Robert Fulton Drive, Suite 150, Columbia, Maryland 21046 | nmlsconsumeraccess.org | Equal Housing Lender
At Alderus Mortgage, we have dedicated ourselves to revolutionizing the home loan process and helping individuals use their home financing options as a tool to manage their financial lives. In that effort, we respect and protect the privacy of those who visit or use our website. When we collect information from you, we want you to know how it is used. To demonstrate our commitment to fair information practices, we have adopted leading industry privacy guidelines.
Alderus does not share your personal information with outside companies for their promotional use.
We follow the strictest privacy guidelines to ensure that the information you provide to us remains confidential at all times. We take extreme precautions to ensure the safety of your personal information and data.
Our goal is to gather just enough information to process a home loan, render an approval decision, or market our products – and we collect most of this information from consumers through our call center, Web site, or as part of our application process. Occasionally we gather additional necessary information from public records, credit repositories , or approved business affiliates and partners.
We retain all information in-house except when required to share it with our partners as a necessary function of the lending process. Such partners include title and escrow companies, appraisal services, and to a limited extent, our business affiliates and partners. Alderus Mortgage does not sell or share customer information to uAlderus Mortgagefiliated parties.
The security of your personal information is our first priority at Alderus Mortgage. We have taken extraordinary measures to make sure that only authorized people see the information you send to us.
Your financial information is not kept on our web server, but on a different computer that is separated from the Internet. Even in the unlikely event that our web site is “hacked”, your data will still remain securely out of reach.
Alderus Mortgage reserves the right to change, modify, add or remove portions of this Privacy Statement at any time, but will alert you that changes have been made by indicating on the Privacy Statement the date it was last updated.
Alderus Mortgage, a mortgage banker licensed in 50 states, provides residential mortgage loans to consumers without regard to race, color, religion, national origin, gender, marital status, sexual identity, or age (except legal age of majority). Based on information provided by the consumer, and subject to property value, credit and title approvals, Alderus Mortgage matches such information to the products and programs contained in its product matrix to determine which product /program meets the consumer’s needs and for which the consumer qualifies. It is Alderus Mortgage’s company policy to treat all consumers fairly and in compliance with applicable state and federal laws. Alderus Mortgage is dedicated to providing excellent customer service through its professionally trained staff. Our focus will always be on exceeding the expectations of a satisfied customer.
Alderus Mortgage is an equal housing lender. Interest Rates are subject to change. Interest rates are also subject to credit, income and property approval based on market guidelines. Other rates and terms are available. Contact us for details. Consult your accountant about tax deductions.
COPYRIGHT AND TRADEMARKS
All content used on this site is property of Alderus Mortgage. Any use of text, graphics, logos, icons, buttons, and software that is not for the exclusive objective of obtaining a mortgage loan from Alderus Mortgage is strictly prohibited.
All marketing materials online and offline are trademarks exhibited by Alderus Mortgage, including but not limited to the use of graphics, logos, images, and text; cannot be used in association or a relationship in connection with any other products or services except those presented by Alderus Mortgage.
When you apply for a mortgage loan with Alderus Mortgage through this website, you can always review and request changes to personal information collected through this website by contacting the Alderus team member assigned to your loan application.
Our web site may use “cookies” to measure site activity and to customize information to fit your preferences. Cookies enable the site to remember who you are. We do not record personal or sensitive information in our cookies.
Definition of Cookies
A “cookie” is a small piece of information sent by a web server to a web browser enabling the browser to remember specific bits of information. The information stored within a cookie can be read only by the web server that originally sent the cookie.
Types of Cookies
The two types of cookies are session cookies and persistent cookies. The key difference between session cookies and persistent cookies is the time of expiration. Session cookies expire at the end of the session and Persistent cookies do not expire at the end of the session.
How You Can Control Cookies
If you wish not to accept cookies and prevent Alderus Mortgage from tracking your visits across multiple websites, you can configure your browser to reject all cookies, or notify you when a cookie is set. Most browsers give you an ability to control and block cookies. If you block cookies on your browser, certain features on our website may not work.
We take your online privacy serious and you can be assured that any information provided by you will be kept confidential. When Alderus Mortgage makes any material changes to this policy, we make them immediately available to you on this website.
Alderus Mortgage has enabled portal technology on its Web sites. To enable the use of the technology and personalize the site for your use, you will be required to register as a user with Alderus Mortgage. Alderus Mortgage will issue a user name and password to you. The user name and password belong to Alderus Mortgage and may be revoked or canceled by Alderus Mortgage at any time and without prior notice. You are responsible for maintaining the confidentiality of the user name and password. You are responsible for all activities that occur under your assigned user name and password.
This Web site and the portal may be used solely for conducting business with Alderus Mortgage such as paying your loan or viewing your account information, submitting applications and registering loans with Alderus Mortgage and other related services provided by Alderus Mortgage. Alderus Mortgage prohibits use of your user name and password and the use of its site for any other purpose.
Once you have a user name and password, portal technology enables you to customize the Web site for your use. You may have the ability to include Web links on your portal that will only be available to view under your user name. Many Web sites strictly limit the use of Web links without authorization. By including a Web link on the Alderus Mortgage portal, you represent and warrant that you have permission or authority from the third party Web site owner to create a Web link on Alderus Mortgage’s site to the linked Web site.