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Privacy Policy and Legal Disclaimer

Legal Disclaimer

National Mortgage Assistance Center (NMAC) is not a government sponsored or approved website or a mortgage relief service. NMAC matches consumers with law firm partners in our network, at no cost, that may offer foreclosure prevention services. By submitting your information you agree to be contacted by law firm partners in our network, even if you are on the state or federal Do Not Call list, to discuss your options. NMAC does not send any text messages, SMS messages, robo calls and/or automated software calling. A certain outcome is not guaranteed by engaging with these law firms. Lenders may not agree to change a consumer's loan. NMAC is not affiliated with or approved by any mortgage lender. Information and notices on this website are intended as general research and information and are not intended as financial or legal advice.

Per FTC requirements, any person who negotiates, attempts to negotiate, arranges, attempts to arrange, or otherwise offers to perform a mortgage loan modification or other form of mortgage loan forbearance for a fee or other compensation paid by the borrower, shall provide the following to the borrower, as a separate statement, in not less than 14-point bold type, prior to entering into any fee agreement with the borrower: It is not necessary to pay a third party to arrange for a loan modification or other form of forbearance from your mortgage lender or servicer. You may call your lender directly to ask for a change in your loan terms. Nonprofit housing counseling agencies also offer these and other forms of borrower assistance free of charge. A list of nonprofit housing counseling agencies approved by the United States Department of Housing and Urban Development (HUD) is available from your local HUD office or by visiting www.hud.gov.

  • NMAC does not guarantee loan modification or foreclosure prevention
  • NMAC does not charge any fee's. Only law firms can charge fees for services provided by a law firm.
  • NMAC encourage users NOT to transfer or surrender property titles or offer to buy house at a below-market price
  • NMAC encourage users NOT to bypass the lender and make payments directly to any company or other third party
  • NMAC encourage users to contact their lender, lawyer, credit counselor, or housing counselor
  • NMAC complies with all state and local regulations related to marketing mortgage modification and foreclosure prevention services

State of California Loan Modification Disclosure Requirements

"Any person who negotiates, attempts to negotiate, arranges, attempts to arrange, or otherwise offers to perform a mortgage loan modification or other form of mortgage loan forbearance for a fee or other compensation paid by the borrower, is required provide the following to the borrower, as a separate statement, in not less than 14-point bold type, prior to entering into any fee agreement with the borrower:

It is not necessary to pay a third party to arrange for a loan modification or other form of forbearance from your mortgage lender or servicer. You may call your lender directly to ask for a change in your loan terms. Nonprofit housing counseling agencies also offer these and other forms of borrower assistance free of charge. A list of nonprofit housing counseling agencies approved by the United States Department of Housing and Urban Development (HUD) is available from your local HUD office or by visiting www.hud.gov.

If loan modification or other mortgage loan forbearance services are offered or negotiated in Spanish, Chinese, Tagalog, Vietnamese, or Korean, then the above noted disclosure must be provided to the consumer in the language in which the services are discussed or offered."

Indemnification
You agree to indemnify, defend, and hold harmless The National Mortgage Assistance Center (including its parents, subsidiaries, and affiliates and all of their respective officers, directors, employees, agents, licensors, suppliers and any third-party information providers) against all claims, losses, expenses, damages and costs (including reasonable attorney fees) resulting from any representations, warranties and covenants made by you herein. Your indemnification obligation shall survive the termination of this agreement. National Mortgage Assistance Center (including its parents, subsidiaries, and affiliates and all of their respective officers, directors, employees and agents) reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us and you agree to cooperate with National Student Debt Association defense of any such claims. National Mortgage Assistance Center will use reasonable efforts to notify you of any such claim, action or proceeding upon becoming aware of it.

Your privacy is important to us! We hate spam as much as you do.

  • National Mortgage Assistance Center (NMAC) does not collect personal information in exchange for any free gifts or quiz/survey results.
  • The personal information that is collected is only the information that you enter into the Quick Quote Form at http://www.nmacenter.org/ or http://www.nmacenter.org/applytoday.asp.
  • Your information will be referred to a foreclosure prevention law firm at no charge to you. The law firm may call you to evaluate your situation and provide assistance if you qualify.
  • Your information is securely posted directly into the law firm's CRM system.
  • You can request to modify or delete your personal information by emailing the law firm directly and optout @ nmacenter.org.
  • You can request to opt-out of future communications from NMAC by emailing optout @ nmacenter.org.
  • You can request to opt-out of future communications from the law firm by emailing and/or calling them directly.

How We Protect Your Privacy
Once your information reaches our server, it is protected by a firewall. With a firewall in place, your information is virtually inaccessible to third parties. In addition to encryption and firewall protections, we have all of our business affiliates agree to operate in accordance with federal and state laws and regulations, including regulations relating to CAN-SPAM and rules promulgated by the FTC. If we learn that any of our business affiliates are breaching our agreement, and therefore your trust, we will take corrective actions immediately or terminate our relationship with such business affiliate.

Who We Are and What We Do
National Mortgage Assistance Center (NMAC) is an online consumer service that introduces people who are interested in the services that we promote on our website at no cost to our law firm/business affiliates who have expressed a general willingness to review your information and determine if they are willing to provide you with the services that prompted you to visit our website. When you visit our website, you will be requested to complete provide certain information that our  law firm/business affiliates request in order to perform a preliminary analysis of your qualifications to receive the service or products. Based upon your consent, as evidenced by your registering with us on this Site (i.e., your submission of the requested information on the application), we will forward the information that you provided to certain of our  law firm/business affiliates. You are under no obligation to accept any service or product with any of our  law firm/business affiliates offered.

By registering on this Site through the submission of the information requested, you agree that the following terms and conditions of this Privacy Policy shall govern our use and disclosure of your personal information. If you do not agree with the terms and conditions of our Privacy Policy, please do not complete the information request form (i.e., do not register) or otherwise use or access this Site. If you have already registered by completing the information disclosure forms, and you wish to opt-out from receiving more information from us, please email info@nmacenter.org. Your e-mail address will be added to the suppression files associated with this Site within 5 business days of your request. Thereafter, you should not receive any email correspondence from us. However you may receive promotional communications from our third party law firm partners with whom we have shared your information. To stop receiving further communications from these third party law firms, you will need to contact them directly in order to opt-out. Please note when you opt-out of receiving promotional communications from us, we will no longer make your information available to our  law firm/third party partners. This Web site is not directed at persons under the age of 18.

This Privacy Policy describes in some detail the information that we collect from you as part of the normal operation of our service, and what may happen to the information we collect. By submitting your personal information, you are entrusting us to handle information that you regard as private, for the purposes and in the manner set forth in this Privacy Policy. In exchange for your trust, you expect us to handle your personal and private information in a professional manner that will be in keeping with your trust. Our Privacy Policy explains what information we obtain on this Website, and how we use the information disclosed to us to link you to our  law firm/business affiliates who have expressed a willingness to provide you with the products and services associated with this Site.

What We Collect
The information that we collect is limited to very basic personal information about you that our  law firm/business affiliates consider necessary for performing a preliminary evaluation of your qualifications: name; state; e-mail address; telephone number; if you behind in payments; what is your estimated loan balance, and who is your lender.

We also collect user information that can help us determine what search engine you came from when you visit our Website so that we know what marketing sources are working. In some cases, we may place a cookie in your browser. The aforementioned information cannot, by itself, be used to gather any personally identifiable information about you, but it will allow us to track the overall effectiveness of our online advertising campaigns. This non personally identifiable information may include the Internet address or URL that you just came from and which URL you go to next; your computer browser information; and your IP address. Third parties may also set cookies on our sites to determine proper Website usage and click count statistics.

How We Use Your Information
NMAC securely post (send) the information that you type into our “Quick Quote Application” form (http://nmacenter.org/applytoday.asp) to our law firm /business affiliate’s CRM system, an online software that allows them to manage incoming leads. After we submit your information to our  law firm/business affiliates, they may begin a separate and independent evaluation of the information you submitted (the " Quick Quote Application"). If our law firm/ business affiliates find that the Quick Quote Application meets with their more specific acceptance criterion, they may contact you directly by phone and/or e-mail. For more information on how our law firm /business affiliates will handle your personal information, please visit thier Website and review their privacy policy. We are not responsible for the privacy practices or the content of our law firm /business affiliates' Websites.

California Online Privacy Protection Act Compliance
Because we value your privacy we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent.

Children
Consistent with the Federal Children's Online Privacy Protection Act of 1998 (COPPA), we will never knowingly request personally identifiable information from anyone under the age of 13 without requesting parental consent.

Your Consent
By using our site, you consent to our website's privacy policy. By filling out our form with your contact information, you are granting permission to be contacted regardless if you are any government Do-Not-Call list.

Changes to our Privacy Policy
If we decide to change our privacy policy, we will post those changes on this page.

Contact Us
If you have any questions or suggestions regarding our privacy policy, please contact us at:

National Mortgage Assistance Center
800-393-0304
17702 Mitchell N.
Irvine, CA 92614
info@nmacenter.org

 







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National Mortgage Assistance Center
800-393-0304
6186 Innovation Way
Carlsbad, CA 92009
info@nmacenter.org

The National Mortgage Assistance Center (NMAC) educates the general public and refers your contact information, at no cost to you, to foreclosure prevention law firms to evaluate qualifications for a mortgage payment reduction. NMAC is not a non-profit organization and not affiliated or approved with any government program. By applying with NMAC does not guarantee a loan modification or foreclosure prevention, and the lender may not approve to change your loan. Do not transfer or surrender property titles at a below-market price to anyone.

Do not bypass the lender and make payments directly anyone else. It is not necessary to pay a third party to arrange for a loan modification or other form of forbearance from your mortgage lender or servicer. You may call your lender directly to ask for a change in your loan terms. Nonprofit housing counseling agencies also offer these and other forms of borrower assistance free of charge. A list of nonprofit housing counseling agencies approved by the United States Department of Housing and Urban Development (HUD) is available from your local HUD office or by visiting www.hud.gov.
© 2015 National Mortgage Assistance Center