Disclosures

• These rates are available only with our automatic payment program.
• The interest rates, annual percentage rate (APRs) and discount points shown are subject to change without notice.
• All stated payments include principal and interest only.
• Rates available on single-family and two family, owner-occupied homes. Rates for GA, IL, IN, KY, MD, MI, MO, NC, NJ, PA, SC, TN, VA are available for purchases and refinances.
• Rates for CA, CT, DC, GA, IL, IN, KY, MA, MD, MI, MO, NH, NJ, NY, OR, PA, SC, TN, VA, WA are available for refinances.
• No cost loans apply to closing costs paid by Mortgage Passport including appraisal fees, settlement fees, credit report fees, title insurance fees, and recording fees. Borrowers responsible for homeowners insurance, real estate taxes and prepaid interest.
• No cost loans are not available in NY.
• Your APR will vary based on your final loan amount and finance charges. APR with lower down payments and refinances may vary.
• Closing fees are estimated based on the information you have provided and may be subject to change.
• Conventional rates (loan amounts up to $766,500) and APRs are based on a $150,000 loan amount, 740 FICO and 60% Loan to Value (LTV) with limited cash out.
• Conventional rates (loan amounts up to $766,500) and APRs are based on a $300,000 loan amount, 740 FICO and 60% Loan to Value (LTV) with limited cash out.
• Conventional rates (loan amounts up to $766,500) and APRs are based on a $500,000 loan amount, 740 FICO and 60% Loan to Value (LTV) with limited cash out.
• Additional terms and conditions apply.
• $0 closing costs available on no cost loans.

License Information

The NMLS (Nationwide Mortgage Licensing System & Registry) ID Number for Mortgage Passport (Third Federal Savings and Loan) is 449401. If you would like more information about NMLS or would like to look up the NMLS ID Number for one of our mortgage loan originators, please go to the Nationwide Mortgage Licensing System & Registry website at: www.nmlsconsumeraccess.org

Last Update: 9/10/24

The state of California requires that we provide privacy information for individuals who are residents of the state of California. If you do not reside in the state of California, please disregard this document.

This Privacy Policy for California Residents (“California Privacy Policy”) supplements information contained in the Online Privacy Policy and Policy Notice of Third Federal Savings Association (collectively “we,”; “us,”; “our”; or “TFS”) and applies solely to consumers, visitors, users and others who reside in the State of California (“consumers”; or “you”). TFS adheres to the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act (collectively, the “CCPA”, along with subsequent clarifying CCPA legislation, implementing CCPA regulations, and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this policy.

NOTICE AT COLLECTION / PERSONAL INFORMATION WE COLLECT

We collect information that identifies, relates to, describes, references, and is capable of being associated with, or could reasonably be linked, directly or indirectly, with an individual consumer, household, or device (‘personal information”), as described in more detail below.

Personal Information Does Not Include: Publicly available information from government records

• De-identified or aggregated consumer information
• Information excluded from the CCPA, 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 date;
  • Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), The Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Protection Act of 1994.

Personal Information We Collect:

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing notice to you first.

We will retain your personal information as reasonably necessary for the disclosed purpose. The retention periods for each category of personal information vary depending on compliance with relevant laws, your request for deletion, and our retention policies. For example, we may need to retain your personal information to comply with our legal or reporting obligations in accordance with the laws or to defend against claims. Consequently, it is not possible for us to provide a definitive length of time. Our retention periods are determined by using and balancing the following criteria:

• The volume, nature, and sensitivity of your information;
• The potential risk of unauthorized access, use or disclosure, or misappropriation;
• The purposes for which we process your personal information; and
• The retention obligations under applicable legal requirements.

Disclosure of Personal Information for a Business Purpose

We may disclose your personal information to certain categories of third parties as described in the table above for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the service provider to both keep that personal information confidential and not use it for any purpose except performing the contract. Please refer to the table above for the categories of personal information we have disclosed for a business purpose in the preceding twelve (12) months.

Sale or Sharing of Personal Information

We do not and will not sell or share your personal information. We do not and will not sell or share the personal information of minors under 16 years of age.

YOUR RIGHTS UNDER THE CALIFORNIA CONSUMER PRIVACY ACT

The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Right to Know and Data Portability Rights:

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request for access, we will disclose to you:

• The categories of personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• Our business or commercial purpose for collecting or disclosing that personal information.
• The categories of third parties with whom we disclose that personal information.
• The specific pieces of personal information we collected about you (also called data portability request).
• If we disclosed your personal information for a business or commercial purpose, the categories of personal information disclosed and with whom.

  We may deny your request for access if we are unable to verify your identity or have reason to believe that the request is fraudulent.

  Right to Delete:

  You have the right to request that we delete any of your personal information that we collected and retained, subject to certain exceptions. Once we receive and confirm your verifiable request, we will delete (and direct our service providers and third parties to delete) your personal information from our records, unless an exception applies.

  We may deny your request to delete if retaining the personal information is necessary for us or our service providers to:

• Complete the transaction for which the personal information was collected, provide a good or service requested by the consumer, or reasonably anticipated within the context of a business’s ongoing relationship with the consumer, or otherwise perform a contract between the business and the consumer.
• Help to ensure security and integrity to the extent the use of the consumer’s personal information is reasonably necessary and proportionate for those purposes.
• Debug to identify and repair errors that impair existing intended functionality.
• Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law.
• Comply with the California Electronic Communication Privacy Act pursuant to Chapter 3.6 (commencing with section 1546) of title 12 of Part 2 of the Penal Code.
• Engage in public or peer-reviewed scientific, historical, or statistical research that confirmed or adheres to all other applicable ethics and privacy laws, when the businesses’ deletion of the information is likely to render impossible or seriously impair the ability to complete such research, if the consumer has provided informed consent.
• To enable solely internal uses that are reasonably aligned with the expectations of the consumer based on the consumer’s relationship with the business and compatible with the context in which the consumer provided the information.
• Comply with legal and regulatory obligations.

  Additionally, we may deny your request to delete if we are unable to verify your identity or have reason to believe that the request is fraudulent.

  Right to Correct Inaccurate Personal Information:

  The CCPA provides you with the right to request that we correct inaccurate personal information that we maintain about you.

  Right to Opt-Out:

  Third Federal does not and will not sell or share your personal information. The CCPA provides consumers with the right to opt-out of the sale or sharing of your personal information. For purposes of this California Privacy Policy, “share” means the disclosure of Personal Information to a third party for cross-context behavioral advertising. Third Federal does not “share” Personal Information for cross-context behavioral advertising. Therefore, because we do not sell, share, or otherwise disclose your Personal Information for this purpose, you do not have a right to such opt-out at this time.

  Right to Non-Discrimination:

  Third Federal will not discriminate or retaliate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

• Deny you goods and services.
• Charge you different prices or rates for goods and services, including through granting discounts or other benefits, or imposing penalties.
• Provide you a different level or quality of goods and services.
• Suggest that you may receive a different price or rate for goods and services or a different level or quality of goods or services.

Right to Limit Use and Disclosure of Sensitive Personal Information:

As disclosed in the above table, we may collect certain information that is considered Sensitive Personal Information under California law. Under the CCPA regulations, a business is only required to provide a right to limit the use and disclosure of sensitive personal information when such use does not fall within the list of exemptions outlined in CCPA § 7027, subsection (m). Our use and disclosure of Sensitive Personal Information falls within this list of exceptions and we do not use or disclose Sensitive Personal Information for other purposes. Therefore, we do not provide any such right to limit at this time.

SUBMITTING A VERIFIED CONSUMER REQUEST

Exercising Right to Know, Right to Correct, Data Portability, and Right to Delete:

To exercise the access, data portability, correction, and deletion rights described above, please submit a verifiable consumer request to us by either:

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

Authorized Agents

You may designate an authorized agent to exercise your rights under the CCPA on your behalf. Pursuant to the CCPA, only a natural person or a business entity that a customer has authorized to act on their behalf may act as an authorized agent. When you use an authorized agent to submit a request to delete, request to correct, or a request to know, we may require that you or the authorized agent provide proof that you gave the agent signed permission to submit the request. We may also require the consumer to do either of the following: (1) Verify their own identity directly with the business; or (2) Directly confirm with the business that they provided the authorized agent permission to submit the request.

Response Timing and Format

We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to you electronically or by mail (your option) to the address associated with your account. If you do not have an account with us, we will deliver our written response to you by mail. Any disclosures we provide will cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Changes to Our Privacy Policy

We reserve the right to amend this privacy policy at our discretion and at any time. When we make changes to this privacy policy, we will notify you through a notice on our website homepage.

Contact Information

If you have any questions or concerns about this California Privacy Policy, our Online Privacy Disclosure, the ways in which we collect and use your personal information, your choices and rights regarding such use, our information practices, or wish to exercise your rights under California law, please do not hesitate to contact us at:

Phone: 1-800-844-7333

Email: tfsprivacy@thirdfederal.com

Postal Address:
CCPA Privacy/Compliance
7007 Broadway Ave.
Cleveland, OH 44105