Why Choose Us?

*3 weeks refers to the time between the consumer's intent to proceed and signing of closing documents. The consumer must be able to submit any and all required documentation in a timely manner and does not request any change in pricing or terms after giving their intent to proceed.

Please read the following terms and conditions carefully. Your continued use of this site and/or related services is the indicator of your willingness by the Terms and Conditions set forth below. If you do not agree to the terms and conditions below, do not access this site, or continue the use of Speedy Home Refi's related services.

Revisions

You agree and acknowledge that you will be bound by the provisions of these terms and conditions and related services and that we may revise these Terms of Use at any time without notice to you. 

Indemnification

You agree to indemnify Speedy Home Refi and all of its employees, licensors and vendors, and hold all of them harmless from all damages, claims, costs or other losses, including court costs and attorney's fees that are related to the use of this site, any linked sites, and related services and/or your failure to comply with the Terms of Use.

Credit Report

Your applying for credit is your authorization for us to obtain a copy of your credit report, which will result in a "hard inquiry" on your credit report. We use information from your credit report to process your application.

Written Notifications

Pre-approval, qualifications, rate locks, loan approvals are made via Speedy Home Refi approved documents only. They are conditional to the terms specified in your written notifications. Please review your documents carefully and contact your representative for any question. Although communications via text, phone, email are also important, they do not contain required signature(s) and do not represent Speedy Home Refi unconditional commitment to a borrower's qualification, loan approvals, rate lock, etc.

Borrower Responsibility

Upon submission of completed application, you agree to cooperate and submit all required documentation in a timely manner including documents from third parties such as your employer, bank, etc. in order for seamless processing of your loan application.

Deadlines

Speedy Home Refi intends to process and close your loan application before applicable due dates such as rate lock expiration and scheduled closing date. However, we cannot be responsible for processes and/or delay that are out of our control such as failure to provide required documentations, unacceptable appraisals, or other matters beyond our reasonable control. 

Third Party Cost Policy

Once you have given your intent to proceed, Speedy Home Refi will start to process your application and may advance certain costs for third party expenses on your behalf. If you fail to submit all required documentation in a timely manner or choose not to proceed with the transaction for any reason, you may be required to pay for some of the third party costs. 

Governing Law

Use of this site shall be governed by the laws of the State of California and all applicable Federal laws of the United States of America.

Licensed by the CA Department of Financial Protection and Innovation under the California Finance Lender Law.

Speedy Home Refi does not sell your information to anyone or any company. We do not disclose any non-public personal and sensitive personal information of our current and former customers to anyone except as required by law. You are not required to opt-out of this provision.

Information We Collect and How It Is Used

We collect both public and non-public information about you in order to process your credit request. The information needed for your application and/or rate quote include name, property address, desired loan amount, financial information, and social security number. Other information we collect include, but not limited to, are phone number, email address, information from third party such as credit reporting agencies, etc. in order to process your application. We do not collect information of children.

How We Share Your Information

We share your information with third party companies or vendors for specific and legitimate business purposes that are directly related to your credit application. We may also share your information for quality purposes such as auditing, quality control, fraud detection or as required by law. We do not share or sell your information for advertising or marketing purposes.

Use of Cookies

We may use cookies to enhance your experience on our website. We also use a web analysis service provided by Google. Google may use data collected to track the use of Google Sites. However, we do not collect your personal information through the use of cookies. 

Third Party Website

Our website may contain links to third party website which we do not have control of or responsible for their security and privacy. You are encouraged to review their policies regarding how they collect your information.

Notice to California Consumers

We conduct business in compliance with California Consumer Privacy Act (CCPA) and California Privacy Rights and Enforcement Act Of 2020 (CPRA). 

The CCPA provides you with the following rights:

1. The right to know about the personal information we collect about them and how it is used and shared.

2. The right to delete personal information collected from them (with some exceptions); 

3. The right to opt-out of the sale of their personal information. 

4. The right to non-discrimination for exercising their CCPA rights. 

The CPRA in 2020 further provides you with the following rights:

1. Consumers should know who is collecting their personal information, how it is being used, and to whom it is disclosed.

2. Consumers should have meaningful control of their personal information, including their sensitive personal information, and meaningful options over how it is collected, used, and disclosed. 

3. Consumers should have access to their personal information and should be able to correct it, delete it, and take it with them from one business to another. 

4. Consumers and their authorized agents should be able to exercise these rights through easily accessible self-serve tools.

5. Consumers should be able to exercise these rights without being penalized for doing so.

6. Consumers should be able to hold businesses accountable for failing to take reasonable precautions to protect their most sensitive personal information from hackers and security breaches. 

7. Consumers should benefit from businesses' use of their personal information. 

We collect, use, share, or disclose your information, including your sensitive personal information for specific, explicit, and legitimate business purposes only. We do not sell your information and you do not need to opt-out. We are required by law to keep your information for up to seven years. In applicable cases, you may be able to request us to correct or delete your personal information by writing to us at the email address below. We do not discriminate anyone for exercising their CCPA or CPRA rights.

Changes to Our Policy

This privacy policy may be updated periodically to reflect any changes in our processes. 

For any question regarding this policy, please call us at 747-222-6511 or email us at SpeedyHomeRefi@gmail.com.

We pledge equal housing opportunity to everyone. We do not discriminate against any person because of race, color, religion, sex, disability, familial status, or national origin.  

Phone:  (747) 264-4594.  Monday - Friday 8am - 7pm PDT.  Saturday 9am - 4pm PDT.

Email:  Speedyhomerefi@gmail.com