Legal

The following information is usually required during the loan process. Not all documents may
be required for every situation. If you have any questions our staff will be happy to assist you.

What personal information is being collected?

Unless this web site asks for specific personal information in order to respond to requests for information or to register uses for particular services, only the following information will be collected when you use this site: – your server address; – the date and time of your visit to the site; – the pages you accessed and the documents downloaded; – the previous site you visited; and – the type of browser you are using. This information is collected for statistical purposes and to enable us to improve the navigation functions of our web site.

Who is collecting personal information?

Where this site specifically asks for your personal information (for example to respond to requests for information or to register users for particular services), your personal information will only be collected by staff of American Bancshares Mortgage who have responsibility for responding to such requests or administrating such registrations.

How is personal information used?

Personal information collected on this website will only be used for the purposes stated at the time of collection. Your personal information will not be forwarded to any third party, added to a mailing list, or used for any other purpose without your consent.

Cookies

Cookies can be either “persistent”, or “session” based. Persistent cookies are stored on your computer, contain an expiration date, and may be used to track your browsing behavior upon return to the issuing web site. Session cookies are short-lived, are used only during a browsing session, and expire when you quit your browser. Upon closing your browser, the session cookie set by this web site is destroyed and no personal information is maintained which might identify you should you visit our web site at a later date. Regarding access to personal information collected on this site, unless required by law to do so American Bancshares Mortgage will only disclose personal information collected on this site to a third party if consent has been provided.

Security of personal information collected on this site

This site does not provide facilities to guarantee the secure transmission of information across the Internet. While reasonable efforts are used to provide security, users should be aware that there are inherent risks in the transmission of information across the Internet.

Outside Links / Third-Party Links

These sites may on occasion provide links to other sites for your convenience or additional information. American Bancshares Mortgage is not responsible for any content or practices of these sites.

Your Rights

You can request access to the personal information (if any) that we keep on record. If you believe any information that we keep on record is incorrect or out of date you may request that it be corrected.

Disclosures

In accordance with the Equal Credit Opportunity Act, American Bancshares Mortgage, LLC does not discriminate against any applicant on the basis of race; color; religion; creed; national origin; ancestry; sex; marital status; familial status (number and age of children); sexual orientation; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; disability; physical condition; military status; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Service members Civil Relief Act (SCRA); that all or part of a consumer’s income derives from a public assistance program; or any other basis prohibited by law.

Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. “American Bancshares Mortgage” is a registered trademark of the American Bancshares Mortgage, LLC, a Florida Limited Liability company, 14211 Commerce Way Miami Lakes, FL 33016

IN TEXAS – CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 N. 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 MORTGAGE BANKER 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.

Licenses

American Bancshares Mortgage, LLC is an Equal Housing Lender. NMLS ID# 217378 (www.nmlsconsumeraccess.org) | 877-314-1499. American Bancshares Mortgage, LLC is licensed by:

It is the policy of American Bancshares Mortgage, LLC to respond to customer complaints, disputes, and issues swiftly and to take each complaint seriously. It is not the intention to burden American Bancshares Mortgage, LLC customers with documentation or paperwork in order to resolve issues brought to our attention in the normal course of business. We will respond quickly, decisively to all inquiries, questions, and concerns brought to our attention.

A complaint must be mailed to:
American Bancshares Mortgage, LLC
14261 Commerce Way Suite 100
Miami Lakes, FL 33016

Attention: Legal

All written complaints will be discussed with the appropriate functional area employees of the business. The appropriate personnel will draft timely responses to consumers and/or regulators. Generally, the Corporate President will keep a central file of complaints and responses unless stated differently in this policy, and the board of directors will review new complaints and responses at a board meeting at least quarterly, but more typically in response to any submitted complaint within 1 month.

Our passion for growing communities

Servicing the community is driven by our core values of commitment, integrity, and transparency. Many of our team members and most of our senior management have sat in every chair of the mortgage industry, providing us with a full understanding of the business from all aspects. This in-depth knowledge is what allows us to quickly and efficiently adapt to industry change, while constantly providing you with superior processes and first-in-class customer service.

We have leveraged technology to bring you a simple, straightforward, online stress-free mortgage application experience.

Free Consultation

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