Our Lenders

Darrin Wade at Fairway Mortgage

Phone: 970-201-0660  Fax:


PRIVACY POLICY

By continuing to use and browse this site, you agree to Fairway Independent Mortgage Corporation’s Privacy Policy.

As a company built on customer service, we know a thing or two about privacy. Select one of the Privacy Sections below or scroll down to read our privacy principles.

  • PRIVACY POLICY - Read about the type of data we collect and how we use it.
  • COOKIE POLICY - Learn how we use cookies to improve your website experience.

We believe in full transparency—from our loan options to our privacy policy—so here are the highlights when it comes to your Personal Information.

We may collect your data through various sources—our website, and we use that information to help us provide the best possible experience for you.


http://www.allaboutcookies.org/. To learn more about Fairway’s use of cookies, please see our Cookie Policy. We may ask advertisers or other third party partners to serve ads or services to your devices, which rely on cookies or similar technologies placed on our Sites.
  • We may detect the physical location of your device by, for example, using GPS information collected by mobile apps or location information shared by your web browser. We collect this information for purposes of enhancing or facilitating our services, such as enabling certain functionalities of the Sites that can provide you with information about promotions or relevant product information near you. Should you wish to opt out of the collection of this information, please adjust the settings of your device so that information about your physical location is not sent to us or third parties by (a) disabling location services within the device settings; or (b) denying certain websites or mobile applications permission to access location information by changing the relevant preferences and permissions in your mobile device or browser settings. Please note that your location may be derived from your WiFi, Bluetooth, and other device settings. Please consult your device settings for further information.
  • HOW WE MAY USE PERSONAL INFORMATION

    We may use Personal Information as permitted by law, for the following business purposes:

    • to respond to your inquiries and fulfill your requests
    • to send administrative information to you, such as about your account or loan or respond to your inquiries and requests for information
    • to communicate with you about loans, services, promotions, campaigns, programs, contests, and accounts
    • to inform you about our loan products, promotions, events or other promotional purposes
    • to re-contact you if we have not heard from you in a while
    • to send you advertising/promotional material from any of our affiliates, and on behalf of our promotional and strategic partners
    • to improve your experience with our products and services, such as by personalizing your experience with us

    We may also use Personal Information as we believe to be necessary or appropriate for certain essential purposes, including:

    • to comply with applicable law and legal process
    • to respond to requests from public and government authorities, including public and government authorities outside your country of residence
    • to detect, prevent, or investigate potential security incidents or fraud
    • to facilitate the functionality of our mobile applications and websites
    • to provide important product safety information and notice of product recalls
    • to enforce our terms and conditions
    • to protect our operations or those of our affiliates
    • to protect our rights, privacy, safety or property, security and/or that of our affiliates, you or others
    • to allow us to pursue available remedies or limit the damages that we may sustain

    HOW PERSONAL INFORMATION MAY BE DISCLOSED

    To the extent permitted by law, all of your Personal Information may be disclosed to the following categories of third parties:

    • to our affiliates for the purposes described in this Privacy Policy
    • in connection with the essential purposes described above (e.g., to comply with legal obligations)

    DO NOT TRACK

    We do not monitor or follow “Do Not Track” (DNT) signals because there is no standard interpretation or practice for DNT signals. Therefore, we handle all user information consistent with this Privacy Policy.

    THIRD PARTY SITES

    The Sites may link to other web sites and online services. We have no control over such third parties and therefore cannot be responsible for the content, availability, or security of such linked third-party websites, so please read their privacy policies carefully. Third parties may use your information for their own purposes, including behavioral or advertising purposes. This Privacy Policy does not address the privacy and data security practices of any third parties. The inclusion of a link on the Sites does not imply endorsement of the linked third-party website or their products and services, and is provided for your convenience only. If you decide to access any of the third-party websites linked to our Sites, you do so subject to the terms and conditions of use for such third-party websites.

    We are also not responsible for the privacy and data security practices of other organizations, such as Facebook, Instagram, Apple, Google, Microsoft, Twitter or any other app developer, app provider, social media platform provider, operating system provider, wireless service provider or device manufacturer. Please read their privacy policies and consider customized settings on your browser or through your mobile phone to limit disclosure of certain information, such as location data.

    Any Personal Information that you provide through these third-party websites, mobile applications, or social platforms will be subject to the privacy policy of its operator, and not this Privacy Policy.

    SECURITY

    We use standard physical, technical and administrative measures designed to reduce the risk of loss, misuse, unauthorized access, disclosure or modification of your Personal Information. Unfortunately, no system or network can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account you might have with us has been compromised), please immediately notify us in accordance with the “Contacting Us” section below (note that physical mail notification will delay the time it takes for us to respond to the problem).

    YOUR CHOICES AND ACCESS RIGHTS

    RETENTION PERIOD

    We will retain your Personal Information for the period necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by for legal, auditing, or compliance purposes.

    CHILDREN'S PRIVACY

    We do not intend for our websites or other online services to knowingly collect or solicit any information from anyone under the age of 13 or knowingly allow minors under the age of 13 to disclose their Personal Information to us through the Sites. The Sites are directed to individuals who are permitted to share their Personal Information without parental consent. If you believe that we might have any information from a child under the age of 13, please contact us as directed below in the “Contacting Us” section. You may mark your inquiry “COPPA Information Request.” Parents can learn more about how to protect children’s privacy online here.

    UPDATES TO THIS PRIVACY POLICY

    We may periodically update this Privacy Policy. Any changes to this Privacy Policy will become effective when we post the revised Privacy Policy on our Sites. Your use of the Sites following these changes means that you accept the revised Privacy Policy.

    CONTACTING US

    We welcome your questions, comments, and concerns about privacy. If you have any questions about this Privacy Policy or our data practices, please contact us as follows:

    Please note that email communications are not always secure, so please do not include credit card information or other sensitive information in any emails to us.


    Cookie settings in Internet Explorer
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  • There are online tools available for clearing all cookies left behind by the websites you have visited, such as www.allaboutcookies.org. Usually, deletion of cookies will anonymize the information associated with the pixel and a website will not receive any further associated information.

    WHAT KIND OF COOKIES DO WE USE?

    The Site may use Strictly Necessary Cookies, Performance Cookies, Functional Cookies, Targeting Cookies and Social Media Cookies. Any of these may be first-party cookies or third-party cookies, persistent or session.

    Strictly Necessary Cookies: These are cookies without which you would not be able to use this Site. For example, Strictly Necessary Cookies adjust the Site data transmitted to match your Internet connection, get you to the secure versions of the Site, and help provide services you specifically request. If you set your browser to block these cookies, some parts of the Site will not work. Strictly Necessary Cookies do not store any Personal Information.

    Performance Cookies: We may use these cookies to count visits and traffic sources, to measure and improve Site performance. They help us to know which pages are the most and least popular and see how visitors move around the site. Performance Cookies do not store any Personal Information.

    Functional cookies: These cookies allow the Site to remember choices you make and provide enhanced functionality and more personalized features. Depending on context, Functional Cookies may store certain types of Personal Information as needed to provide functionality.

    Targeting Cookies: Targeting cookies help us manage and display our advertisements, based on your activity on the Site and other sites; this is known as interest-based advertising. Targeting cookies mainly rely on uniquely identifying your browser and internet device. Opting out of interest-based advertising does not mean you will no longer see advertising online, but it does mean that the companies from which you opt out will no longer show ads that have been tailored to your interests.

    Social Media Cookies: Social Media Cookies make social sharing easier for you, provide you with tools to connect with the Site, and help us better understand both the audience for the Site and the effectiveness of our social media outreach. These are third-party cookies. Your choices with respect to such cookies are determined by the social media platforms on which you have accounts.

    UPDATES TO THIS COOKIE POLICY

    We may change this Cookie Policy at any time. Any changes in this Cookie Policy will become effective when the revised Cookie Policy is available on or through the Site.

    CONTACTING US

    If you have any further questions, please contact us by calling (800) 447-2603.


    If you are a California resident, please review our California Consumer Privacy Act Policy below.

    CALIFORNIA CONSUMER PRIVACY ACT

    This Privacy Notice for California Residents supplements the information contained in the Privacy Policy of Fairway Independent Mortgage Corporation and its subsidiaries (collectively, “we,” “us,” or “our”) and applies solely to visitors, users, and others who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this notice.

    The California Consumer Privacy Act provides some California residents with additional rights.

    To exercise these rights click here or you may dial (800) 447-2603.

    RIGHT TO KNOW

    You have the right to know and see what data we have collected about you over the past 12 months, including:

    • The categories of Personal Information we have collected about you;
    • The categories of sources from which the Personal Information is collected;
    • The business or commercial purpose for collecting your Personal Information;
    • The categories of third parties with whom we have shared your Personal Information; and
    • The specific pieces of Personal Information we have collected about you.

    RIGHT TO DELETE

    You have the right to request that we delete the Personal Information we have collected from you by clicking here. There are a number of exceptions, however, that include, but are not limited to, when the information is necessary for us or a third party to do any of the following:

    • Complete your transaction;
    • Provide you a good or service;
    • Perform a contract between us and you;
    • Protect your security and prosecute those responsible for breaching it;
    • Fix our system in the case of a bug;
    • Protect the free speech rights of you or other users;
    • Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et seq.);
    • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interests that adheres to all other applicable ethics and privacy laws;
    • Comply with a legal obligation; or
    • Make other internal and lawful uses of the information that are compatible with the context in which you provided it.

    OTHER RIGHTS

    You also have the right not to be discriminated against for exercising any of your rights.

    INFORMATION WE COLLECT

    We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”). In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:

    CATEGORY

    EXAMPLES

    COLLECTED

    BUSINESS PURPOSE

    Identifiers

    A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers.

    Yes

    Performing services; providing financing and customer service and protecting against fraud.

    Personal information
    categories listed in the
    California Customer
    Records statute (Cal. Civ.
    Code § 1798.80(e)).

    A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.

    Yes

    Provide financing and protect against fraud.

    Protected classification
    characteristics under California or federal law.

    Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information)

    Yes

    Providing financing.

    Commercial information.

    Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.

    Yes.

    Providing customer service; marketing and advertising

    Biometric information.

    Genetic, physiological, behavioral, and biological
    characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.

    No

    N/A

    Internet or other similar network activity.

    Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement.

    Yes

    Providing services, performing marketing and services

    Geolocation data.

    Physical location or movements.

    No

    N/A

    Sensory data.

    Audio, electronic, visual, thermal, olfactory, or similar information.

    No

    N/A

    Professional or
    employment-related
    information.

    Current or past job history or performance evaluations.

    Yes

    Providing financing and servicing mortgage accounts.

    Non-public education
    information (per the Family Educational Rights and
    Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R.
    Part 99)).

    Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.

    No

    N/A

    Inferences drawn from
    other personal information.

    Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

    No

    N/A

    Personal information does not include:

    • Publicly available information from government records.
    • De-identified or aggregated consumer information.
    • Information excluded from the CCPA's scope, like:
      • Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
      • Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994.

    The categories of sources from whom we collected this Personal Information are:

    • Directly from a California resident or the individual’s representatives
    • Service Providers, Consumer Data Resellers and other third parties
    • Public Record Sources (Federal, State or Local Government Sources)
    • Information from our Affiliates
    • Website/Mobile App Activity/Social Media
    • Information from Client Directed Third Parties

    The categories of third parties to whom we disclosed Personal Information for our business purposes described in this privacy policy are:

    • Affiliates of Fairway Independent Mortgage Corporation
    • Vendors and Service Providers who provide services such as website hosting, data analysis, payment processing, order fulfillment, information technology and related infrastructure, customer service, email delivery, auditing, marketing and marketing research activities
    • Partners and Third Parties who provide services
    • Other Third Parties who enable customers to conduct transactions online and via mobile devices and support mortgage and fulfillment services
    • Government Agencies as required by laws and regulations

    HOW TO EXERCISE YOUR CALIFORNIA PRIVACY RIGHTS

    To request access to or deletion of your Personal Information, or to exercise any other data rights under California law, please contact us using one of the following methods:

    WEBSITE - You may visit our online request form to authenticate and exercise your rights.

    PHONE - You may dial our Customer Service at (800) 447-2603.

    OTHER DESIGNATED METHODS - We only have two designated methods for submitting your verifiable consumer request, and currently we do not accept requests via US mail. This is to protect you – and us – from fraudulent activity.

    RESPONSE TIMING AND FORMAT - We aim to respond to a consumer request for access or deletion within 45 days of receiving that request. If we require more time, we will inform you of the reason and extension period in writing.


    A FEW FAQS REGARDING CCPA

    WHAT IS “PERSONAL INFORMATION” AS DEFINED IN THE CALIFORNIA REGULATION?

    Personal Information is practically anything that identifies, relates to, describes or could be associated with you. Beyond your name, phone number, or email address, it includes the kind of device you're using to read this or which web browser. Personal Information also includes biometric data, your geolocation and even your perceived preferences. It does not include publicly available information.

    DO YOU SELL MY PERSONAL INFORMATION?

    No, we do not. In order to sell your information, we would need to first disclose to you our sale practices AND provide you with an easy “DO NOT SELL MY INFO” button on our website for you to opt-out of future sales of your Personal Information. But rest assured, we do not sell your Personal Information.

    HOW AND WHERE DO YOU COLLECT PERSONAL INFORMATION?

    That depends. We collected most of this information directly from you — either during a mortgage application or as we service your mortgage loan. Such Personal Information includes social security number, employment history and bank account numbers. We collect and secure all of this information in accordance with federal regulations. We also may receive information from other sources, such as an internet advertiser, a mortgage lead generator, your prior mortgage servicer, or government entities from which public records are maintained.

    And we gather information using cookies and other online tools and technology. In other words, we collect some information about our anonymous website visitors, but we do not attempt to identify our visitors by name or profile. We only identify you by name when you submit a web form with your Personal Information or log into/register on our Fairway Independent Mortgage Corporation customer portal.

    WILL YOU DELETE MY INFORMATION IF I REQUEST YOU DO SO?

    The short answer is maybe. The CCPA requires businesses that collect Personal Information directly from consumers to delete such information upon request. Unless the deletion request is subject to an exception. Or an exemption. Let us explain in more detail. Information we collect, store, or share in connection with providing you a financial product or service is exempt. That’s because your financial information is already regulated by federal law. Pursuant to federal law, we leverage administrative, physical and technical methods to safeguard your information. And even if you’re not a customer of ours, we might need to keep some of your information to: complete a transaction, prevent or detect fraud, or comply with a legal obligation. While we may not delete your information, we will always use it for a lawful purpose that aligns with what you would expect given your relationship with Fairway Independent Mortgage Corporation.

    To submit a request, feel free to call us at (800) 447-2603 or navigate to our online request form.

    CAN I REQUEST A COPY OF WHAT YOU COLLECTED OR SHARED?

    Well, in some cases, yes and in some cases, no. The CCPA refers to this as your “Right to Know”. But like we mentioned above, the CCPA does not apply to most of the information that we collect or share in our role as a financial institution. We won’t include any of that information in your “Right to Know” response. But we might have other information that is not exempt.

    To submit a request, feel free to call us at (800) 447-2603 or navigate to our online request form.


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    Portia Vigil at Guild Mortgage

    Phone: 970-596-1816  Fax: 970-306-0846


    Portia Vigil NMLS #1381157, phone 970 596 1816

    Guild Mortgage Company is an Equal Housing Lender; Company NMLS #3274. This is a paid advertisement. Guild Mortgage Company is not affiliated with Keller Williams Colorado West Realty.


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    Adam Croker at Major Mortgage

    Phone: 970-314-1366  Fax: 866-277-8613


    WEBSITE PRIVACY POLICY

    Effective Date: April 16, 2015

    This policy describes AmCap Mortgage Limited’s (“AmCap Mortgage Limited,” “we” or “our”) collection, processing, transfer and storage of data from visitors to our website at amcaploancenter.com (our “Website”). This Privacy Policy applies only to the data collected on the Website and not to other data collected or processed by AmCap Mortgage Limited.

    If you are a AmCap Mortgage Limited customer, please see our Consumer Privacy Notice, which we provide to all our individual customers, for a comprehensive explanation of how we collect, use, and share personal information and your choices for limiting the use and sharing of your information as our customer.

    OUR COMMITMENT TO YOUR PRIVACY

    This Privacy Policy describes:

    • How information about you is collected through our Website;
    • How we use and with whom we share this information;
    • How you can access and update this information; and
    • The choices you can make about how we collect, use and share your information.
    • If you have any questions regarding this Privacy Policy or our information collection and use practices, please contact us using the information in the “Contact Us” section below.

    INFORMATION COLLECTED THROUGH OUR WEBSITE

    AmCap Mortgage Limited collects information from Website visitors and also obtains information from third parties (including from service providers) in the course of providing our mortgage and loan origination services (our “Services”), which we may add to the data we obtain through the Website.The information collected through our website includes:

    Personal and Loan-related Information. You may provide us information about you, which may include personal information and information relating to or necessary for the initiation, processing, or completion of certain financial transactions, including the issuance of loans.

    Transactional Information. We may also create transactional records of each of the transactions or other events occurring through our Website. This transactional information is generally collected (i) to enable our Services, including loan document creation, origination, management, and distribution, (ii) to enable the services provided by third parties.


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    Charlie Beagle at Bay Equity LLC

    Phone: 970-261-2623  Fax:



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