Licensing Information

Your access to and use of this site is subject to the terms and conditions set forth below under the heading "Terms & Conditions" and any and all applicable laws. By accessing and browsing this site, you accept, without limitation or qualification, the terms and conditions as stated herein and acknowledge that any other agreements between you and Franklin First Financial, Ltd. ("Franklin First") whether written or verbal, are superceded by such terms and conditions, where applicable.

The table herein contains the list of current state mortgage lending licenses held by Franklin First. Franklin First will be the service provider and lender on all loan requests submitted through this web site for only those states listed herein. Following the licensing table, you will find state disclosures required to be disclosed to you by Franklin First by each state regulatory authority, where applicable.

Franklin First is not licensed to act as a mortgage lender in any state not listed below.  In the event your property is located in a state that is not listed, Franklin First will not be able to act as the lender in your loan transaction.  Franklin First, at its sole discretion and as a service to you, may forward your request to a third party that is licensed in your state and that third party may contact you directly regarding your application.  Should that occur, the third party lender within your state will be your service provider regarding all aspects of your loan transaction.  By submitting your loan request on this website, you are providing Franklin First with your prior express consent to submit your inquiry to a licensed third party lender in your state should Franklin First chose to do so.  However, Franklin First is not required to forward your application to any such a licensed lender. 

If you have any questions or require additional information, please call 1-888-933-8639.

If you desire not to have your request forwarded to another lender, please do not submit a loan request through this web site. You are in no way obligated to complete a mortgage loan transaction by submitting your request to Franklin First or by Franklin First submitting your information to another lender. If you have any questions prior to submission of your loan request, please call TEL: 1(888) 933-8639.

Licensed Mortgage Banker AK –-Business License, 312415 AL –HUD Exemption AR –Mortgage Banker/Broker License, 40178 CO – HUD Exemption (Broker), (Lender-less than or equal to12%). CT – First Mortgage Correspondent Lender/Broker license, FMCL 8170; Secondary Mortgage Correspondent Lender/Broker License, SMCL 8171. DC – Dual Authority-Lender/Broker, MLB 5634. DE – Licensed Licensed Mortgage Lender, 2002165. FL – Correspondent Mortgage Lender License, CL 0701344. GA – Georgia Residential Mortgage Licensee, 14979. HI – HUD Exemption. IA –Mortgage Banker License, MBK-2007-0105 ID –Mortgage Broker/Lender License MBL-6403 and Regulated Lender License, RMD 7005 IN – HUD Exemption (1st mortgages). Loan Broker Exemptions, ELB-000172 KS – Mortgage Company License, No. 2007-5343 MA – Licensed Mortgage Lender and Broker, MC3668. MD – Mortgage Lender, 12534. ME – Supervised Lender License, SLM9607 MI – Licensed Mortgage Lender and Broker, FL 1939; Secondary Mortgage Lender/Broker, SR0617. MN –Residential Mortgage Originator License, 40035674 MO -HUD Exemption MT -Lender Exemption (1st lien, junior lien- 15% and less) NH – Mortgage Banker, MB-13528 NJ – Licensed Lender, L050196. NY – Licensed Mortgage Banker, LMBC NO 106153. NM –Registered Mortgage Company, 03664. NC – Licensed Mortgage Lender, L-109307, Commissioner of Banks. ND – Mortgage Broker License, MB101668 OH – Second Mortgage Lender, SM. 501507.000 OK – HUD Exemption, Mortgage Banker, 2007256 OR – Licensed Mortgage Lender, ML-4569 PA – First Mortgage Banker License, 16510, Secondary Mortgage Banker License, 16511. SC – HUD Exemption (Lender-1st mortgages) SD –Mortgage Lender License 4796 TN –Mortgage Broker and Lender Registration, 3617 TX –Mortgage Banker Registration 70649 WV –Mortgage Lender's License, ML-23987, Mortgage Brokers License, MB-23986 WY –Residential Mortgage Lender, MBL-1794 HUD – HUD (U.S. Housing and Urban Development) -Title II Non-Supervised Lender, 17895-000-0.

TERMS & CONDITIONS

1. You should assume that everything you see or read on the site is copyrighted unless otherwise noted and may not be used except as provided in these terms and conditions or in the text on the site without the written permission of Franklin First Mortgage Services, LLC ("Franklin First") Franklin First neither warrants nor represents that your use of materials displayed on the site will not infringe rights of third parties not owned by or affiliated with Franklin First.

2. While Franklin First uses reasonable efforts to include accurate and up-to-date information in the site, Franklin First makes no warranties or representations as to its accuracy. Franklin First assumes no liability or responsibility for any errors or omissions in the content of the site.

3. Your use of and browsing in the site are at your risk. Neither Franklin First or any of its agencies, nor any other party involved in creating, producing, or delivering the site is liable for any direct, incidental, consequential, indirect, or punitive damages arising out of your access to, or use of, the site. Without limiting the foregoing, everything on the site is provided to you "as is" without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. Franklin First also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the site or your downloading of any materials, data, text, images, video, or audio from the site.

4. Any communication or material you transmit to the site by electronic mail or otherwise, including any data, questions, comments, suggestions or the like is, and will be treated as, non-confidential and nonproprietary, unless otherwise specifically indicated. Anything you transmit or post becomes the property of Franklin First or its affiliates and may be used for any purpose including, but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting. Furthermore, Franklin First is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to the site for any purpose whatsoever including, but not limited to, developing, manufacturing, and marketing products using such information.

5. Images of people or places displayed on the site are either the property of, or used with permission by Franklin First. The use of these images by you, or anyone else authorized by you, is prohibited. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

6. The trademarks, logos, and service marks (collectively the "trademarks") displayed on the site are registered and unregistered trademarks of Franklin First. Nothing contained on the site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on the site without the written permission of Franklin First or such third party that may own the trademarks displayed on the site. Your use of the trademarks displayed on the site, or any other content on the site, except as provided in these terms and conditions, is strictly prohibited. You are also advised that Franklin First will aggressively enforce its intellectual property rights to the fullest extent of the law, including the seeking of criminal prosecution.

7. Franklin First has not reviewed any or all of the sites linked to the site and is not responsible for the content of any off-site pages or any other sites linked to the site. Your linking to the site, off-site pages or other sites is at your own risk and without the permission of Franklin First.

8. Although Franklin First may, from time to time, monitor or review postings, transmissions, and the like on the site, Franklin First is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger, or inaccuracy contained in any information within such locations on the site. You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material or an material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. Franklin First will fully cooperate with any law enforcement authorities or court order requesting or directing Franklin First to disclose the identity of anyone posting any such information or materials.

9. Franklin First may at any time revise these terms and conditions by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms & conditions to which you are bound.

About Our Privacy Policy...

Protecting your privacy is important to Franklin First Financial, ltd.. We want you to understand what information we may gather and how we may share it. This Privacy Policy explains Franklin First Financial, ltd. collection, use, retention and security of information about you.

How We Gather Information
As part of providing you with financial products or services, we may obtain information about you from the following sources:
• Applications, forms, and other information that you provide to us, whether in writing, in person, by telephone, electronically or by any other means. This information may include your name, address, employment information, income and credit references;
• Your transactions with us, our affiliates, or others. This information may include your account balances, payment history, and account usage;
• Consumer reporting agencies. This information may include account information and information about your creditworthiness;
• Public sources. This information may include real estate records and telephone numbers. Sharing Information Outside Franklin First Financial, ltd. We are required to or we may provide information about you to third parties outside of Franklin First Financial, ltd. without your consent, as permitted by law, such as:
• To respond to a subpoena or court order, judicial process ore regulatory authorities;
• To consumer reporting agencies;
• In connection with a proposed or actual sale, merger or transfer of all or a portion of a business or an operating unit;
• To protect against fraud.

In addition, we may provide information about you to our service providers to help us process your applications. Our service providers may include billing service providers, mail and telephone service companies, insurers, loan settlement service providers, property inspection companies, attorneys or other professionals.
We may also provide information about you to our service providers to help us perform marketing services. The information provided to these service providers may include the categories of information described above under .How We Gather Information. limited to only that which we deem appropriate for these service providers to carry out their functions.

We do not sell customer information. We do not provide customer information to persons or organizations outside of Franklin First Financial, ltd. who are doing business on our behalf, for their own marketing purposes.

Once you complete an application online, your personal data is encrypted using 128-bit secure sockets layer encryption technology before it is sent over the Internet. This makes it practically impossible for your information to be stolen or captured when sent through cyberspace. To give more protection to its website users applying for a loan online, Franklin First Financial, Ltd. uses Cookies. Once received, your application is kept encrypted until we are ready to process it. You will get a written copy of your application and will be asked to sign it at or before completion of the loan transaction.

Various areas of our website require data, such as your email address and account number, to let you perform certain tasks (for instance, track the status of your loan online.) In such cases, we gather data from you so that we can interact with you. Otherwise, you may look through the site anonymously and no personal data is gathered. Yet, your visit and the manner you use the web pages, may be recorded for advertising and statistical purposes to help us to improve the website for new guests. We collect and analyze data concerning usage of our website, including domain name, visited pages, time of user session, etc. to assess the efficiency and convenience of our site.

We have many planning tools on our website to help you make the financial decisions that are right for you in the seclusion of your own home. We do not capture the personal information you give on these planning tools. Examples include the Mortgage Principal and Interest Calculator and the Debt Consolidation Calculator.

Franklin First Financial, Ltd. uses cookies as a part of our interaction with your browser to decide if you have visited our website before and for administrative reasons. A "cookie" is a little text file placed on your hard drive by our web page server. Cookies are normally used on websites and will not damage your system. By arranging your favorites or options in your browser, you can decide if and how a cookie will be received. Such cookies will not collect personally particular data and we do not merge data collected through the use of cookies with other personal data to find out who you are or your e-mail address.

Opt Out
You may prohibit use of your credit-related information within Franklin First Financial, Ltd. Simply e-mail a written request, with your name and address.

Or call the following toll free number 1 (888) 933-8639. We will honor your choice on restricting information sharing. However, the restriction does not extend to sharing of other information, including your name and address, and your account transactions and experiences, with Franklin First Financial, Ltd..

Our Security Practices and Information Accuracy
We also take steps to safeguard customer information. We restrict access to the personal and account information of our customers to those employees who need to know that information in the course of their job responsibilities.

Other Information
This Privacy Policy applies to products or services provided by Franklin First Financial, ltd. used primarily for personal, family, or household purposes (not for business purposes). We reserve the right to change this Privacy Policy, and any of the policies described above, at any time. The examples contained within this Privacy Policy are illustrations; they are not intended to be exclusive.