Privacy Policy
Revised 2025
National Rate is a registered tradename and trademark of Rate House Mortgage Company, Inc
NMLS ID# 1611117
1316 Bound Brook Road, Suite 1C, Middlesex, NJ 08846
Toll Free: 1-888-917-2837
Your privacy is important to us. The following are our privacy policies. Please read them.
PERSONAL INFORMATION COLLECTED
We collect personal information from the people and organizations that we interact with. Based on that interaction, the amount and type of information we collect would vary.
From consumers we collect: Name, Address, Email Address, Home Phone Number, Work Phone Number, Mobile Phone Number, Social Media Profile Names and Information, Contact Information, Work Location, Work Related Information, and Digital Contact Information.
From clients we also collect: Social Security Numbers, Dates of Birth, Income Information, Assets Information, Information about your spouse and family members, Monthly Liabilities, Credit Scores and Credit Liabilities, Criminal History, Legal History, Payment History, Marital History, Credit History, Website information, Personal Information.
For other parties we collect: Name, Address, Email Address, Home Phone Number, Work Phone Number, Mobile Phone Number, Billing Information, Payment Information, Web Site and Adress Information, Social Media Profile Name and Information
USE OF PERSONAL INFORMATION
We use your personal information to determine mortgage credit approvability, to qualify your debt to income, assess your credit worthiness, determine interest rate, and provide you with mortgage financing.
We also use your personal information to provide guidance on mortgage products, programs and pricing. As well as suggesting financial products that may provide a benefit to you.
We also utilize your personal information to provide relevant market information, alerts and updates. As well as personalized program suggestions, helpful information, or locally available services or benefits.
SHARING PERSONAL INFORMATION
We do not share non-public personal information with third parties or affiliates for marketing purposes.
We will not share any of your non-public personal information with anyone outside of our company except:
On a “need to know” basis, as necessary or required by our vendors to perform the services requested by you and on your behalf. As per your request, with your direction and with your consent.
As required or permitted by law.
National Rate may also disclose account information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating our Terms of Use Policy, or may be causing injury to or interference (either intentionally or unintentionally) with any of National Rate’s rights or property, other users, or anyone else. National Rate may disclose or access account information when we believe in good faith that the law requires it and for administrative and other purposes that we deem necessary to maintain, service, and improve our products and services.
WHO PERSONAL INFORMATION IS SHARED WITH
Non-Public Personal information is only shared with third parties if the information is necessary to provide the services you have requested. Third parties that may receive your non-public personal information may include Insurance Carriers, Mortgage Lenders, Mortgage Services, Mortgage Market Participants, Title Companies, Government Agencies, Your Employers, Credit Companies, Underwriters, Appraisers, Inspectors, Surveyors, Attorneys, Accountants, or other parties that may be relevant to your case.
MOBILE SMS/MMS TEXT MESSAGING TERMS & CONDITIONS
*SMS/MMS Messaging Consent is NOT SHARED or transferred to third parties for marketing purposes*
By opting into Mobile SMS and MMS communications through one of our National Rate web forms or other formats, you agree to receive mobile SMS and MMS messages from National Rate and Rate House Mortgage Company, Inc. NMLS# 1611117. This includes Mobile SMS and MMS messages for appointments, reminders, follow-up, instructions, general notifications, requests and requirements, service or product alerts, relevant market information, market alerts and market updates. You may also receive personalized program suggestions, helpful information, or locally available services or benefits, and billing.
Message frequency varies based on individual circumstances and situations. Message and data rates may apply.
See our Terms of use at www.nationalrate.com/terms
For assistance, text HELP or visit our website at www.nationalrate.com.
To instantly opt out of SMS at any time – text STOP.
DIGITAL POLICY
A cookie is a small text file that is stored on your computer for record-keeping purposes. We utilize cookies on this site. We do not link the information we store in cookies to any personally identifiable information you submit while on our site.
We use both session ID cookies and persistent cookies. We use session ID cookies to make it easier for you to navigate our site. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period. You can remove persistent cookies by following directions provided in your Internet browser’s “help” file.
We use session cookies to tailor your experience on our site. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site.
The use of cookies by third parties, including but not limited to our partners, affiliates, tracking utility companies and service providers, is not covered by our privacy statement. We do not have access or control over these cookies. Our partners, affiliates, tracking utility companies and service providers may use session ID cookies.
If you reject cookies, you may still use our site, but your ability to use some areas of our site, such as contests or surveys, will be limited.
WEB BEACONS
Our third party service provider employs a software technology called clear gifs (a.k.a. Web beacons/Web bugs), that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We tie the information gathered by clear GIFs to our customers’ personally identifiable information.
We use clear GIFs in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns.
ACCESS TO INFORMATION
In case you change your mind, or some information changes we will try to provide a way to correct or update the information that you give us. You may update or delete your information at any time prior to completing your application. Once the application is submitted, you will not be able to change any of the information online. We also give you the opportunity to control the communications we direct to you. If you wish to update information or object to any usage provided herein for any reason, you may email the requested change to hello@nationalrate.com. We will respond to your request within 30 days. We will retain your information for as long as your account is active or as needed to provide you with our services. We will also retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
HOW WE PROTECT YOUR PERSONAL INFORMATION AND YOUR PRIVACY
We restrict access to nonpublic personal information about you to those employees and agents who we determine need to know that information to provide products or services to you, service your account, or maintain the systems that support your account. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.
The security of our users’ information is an important concern to us. We exercise care in providing secure transmission of your information from your computer to our infrastructure. National Rate uses industry standard efforts to safeguard the confidentiality of your information. We periodically upgrade and test these procedures and safeguards. All data transmitted between internet browsers and our servers are protected against unauthorized interception or access using Secure Sockets Layer (“SSL”) protocols. In order to use our website, users are required to run an SSL-capable browser. We will use commercially reasonable methods to keep nonpublic personal information securely in our files and systems. Please note that with current technology, we cannot guarantee the security of your data as it travels over the internet.
Online applications are maintained on a secure server. We do not ensure or guarantee the security of any information you transmit to us in a non-secure environment, such as within or attached to an email. Email is normally not protected and may be intercepted and viewed by others. Therefore, you should refrain from sending any confidential information via unsecured email to National Rate.
COMPLIANCE WITH STATE AND FEDERAL LAWS
As privacy rights vary by state, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers. In addition, state and federal regulations may require us to maintain and report demographic information on the collective activities of consumers and users. We may also be required to maintain your personal information for at least seven years in order to be in compliance with applicable federal and state laws regarding record retention.
SESSION TIME-OUTS
If you are logged into your account on our website and are inactive for a certain period, you will be automatically logged out. This is a security measure that reduces the risk of unauthorized access to your account or non-public personal information.
PASSWORDS
National Rate requires the use of passwords that meet minimum length and complexity requirements. Users are also required to change their passwords periodically. To protect against unauthorized access, accounts are locked after a few unsuccessful login attempts.
While we take the security of your non-public personal information seriously and have taken steps to protect it, there are also a few precautions that you can take to protect yourself:
If using your personal computer, ensure that your operating system and antivirus software are up to date with the latest versions.
Create strong, unique passwords for each online service that you use and change these passwords often.
When you finish using our website from a public computer, log out and clear the browser’s cache file.
Stay vigilant for scams like “phishing”. Never provide your login information in response to any email, physical mail or phone call that claims to be from National Rate. Instead, please visit our website and be sure that the URL starts with; https://nationalrateredesign.edeninterface.com.
PUBLIC FORUMS
Our site includes links to other websites whose privacy practices may differ from those of National Rate. If you submit personal information to any of those sites, your information is governed by their privacy statements. We encourage you to carefully read the privacy statement of any website you visit.
LINKS TO OTHER SITES
Our website offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access it. To request removal of your personal information from our blog or community forum, contact us at hello@nationalrate.com. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.
CONTEST AND SWEEPSTAKES
We may offer you the option to participate in contests, sweepstakes, or surveys. If you agree to participate, we may ask you for contact information, preferences or other information. This information may be used to conduct research, improve our offers, or contact you regarding home financing or award prizes. For information on how the information that you supply will be used, please refer to the rules for each contest or sweepstakes.
NOTIFICATIONS FROM US
If you use our website to apply for a loan or create an account, you will receive email notifications from National Rate from time to time. These are required notices, and you cannot opt out of receiving them. They are designed primarily to protect your non-public personal information from unauthorized access and to provide you with information on the status of your transaction with us. Some notifications may also be necessary when we make changes to various legal agreements or policies, including this privacy policy. If necessary, we may also respond to any emails that you sent us.
CHANGE OF CONTROL
Your non-public personal information may be transferred in connection with a sale, merger, transfer, exchange or other disposition (including assets, company stock or otherwise) of all or a portion of a business of National Rate and Rate House Mortgage Company, Inc. NMLS# 1611117.
AGREEMENT AND CONTACT
By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission you understand that you are agreeing to the stated terms and conditions of that submission and that you are agreeing that you have read, accepted, and agreed to the Terms and Conditions and agree to do business electronically with National Rate.
CALIFORNIA PRIVACY RIGHTS
California Civil Code § 1798.83 permits visitors to our website who are California residents to request certain information regarding their disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please write to us:
National Rate
President’s Office
1316 Bound Brook Road, Suite 2C, Middlesex, NJ 08846
DISCLOSURE FOR CALIFORNIA USERS: NATIONAL RATE AND OTHER PARTIES NOT AFFILIATED WITH US MAY COLLECT PERSONALLY IDENTIFIABLE INFORMATION ABOUT YOUR ONLINE ACTIVITIES OVER TIME AND ACROSS DIFFERENT WEBSITES WHEN YOU USE OUR WEBSITE OR THE SERVICES OFFERED ON OUR WEBSITE. WE DO NOT HAVE ANY PROTOCOL THAT OFFERS YOU THE CHOICE TO OPT-OUT OF INTERNET TRACKING. AT PRESENT TIME, THE NATIONAL RATE WEBSITE IS UNABLE TO RESPOND TO “DO NOT TRACK” SIGNALS FROM YOUR INTERNET BROWSER. IF YOU HAVE ANY QUESTIONS REGARDING OUR INTERNET TRACKING METHODS, PLEASE EMAIL US AT HELLO@NATIONALRATE.COM.
NOTIFICATION OF PRIVACY STATEMENT CHANGES
We reserve the right to modify this privacy policy to reflect changes to our information practices at any time with notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices. Your continued use of NATIONAL RATE’S website following the posting of changes to these terms will mean you accept those changes.
WHO CAN I CONTACT FOR PRIVACY RELATED ISSUES?
National Rate
President’s Office
1316 Bound Brook Road, Suite 2C, Middlesex, NJ 08846
732-218-5383 or 888-91-RATES or hello@nationalrate.com
