Terms, Conditions & Privacy Policy

This RP Funding, Inc., Privacy and Cookies Policy ('Policy') applies to your interaction with RP Funding at any online or mobile site or application that we own and control ('Site'), unless a different online and/or mobile policy is posted at a particular site or is made available to you and by its terms supplants this Policy. Other privacy policies may also apply in addition to the terms of this Policy. This Policy also explains certain data use and protection functionalities and practices of our online ads, such as banner ads, on third-party sites. Please note that where we have another type of presence on a site owned by a third party, such as a page or handle on a social media site, that third party's privacy policy and terms of use, rather than this Policy, will govern it unless specifically stated otherwise.

Closing Cost Program Terms and Conditions

Offer to pay Closing Costs is subject to borrower’s qualification for the No Closing Cost Refinance Program or Closing Cost Credit Program. Not all borrowers will qualify. All programs valid only in Florida. Additional terms and conditions apply, call for details. Closing Costs Programs cannot be combined with any other offer. For any Closing Cost Program, RP Funding will issue a lender credit at closing in the amount determined by the Closing Cost Program for which borrower qualified. Not valid on Non-Qualified mortgages (Jumbo, Alternative Document, Reverse Mortgage, Manufactured Homes, Condos, or HELOC mortgages). The following charges remain an expense to the borrower and are not Closing Costs: rate discount costs/discount points, prepaid items (including mortgage insurance premiums, interest, property taxes, homeowners insurance, and any escrow accounts), Upfront Mortgage Insurance Premium (UFMIP), funding fees, the payment of a mobile notary fee if the selected closing agent has an office which serves the area, or additional non-standard services requested by the purchaser.

No Closing Cost Refinance Program: Conventional loans only. Borrower must provide prior owners title policy, prior valid survey and establish an impound account to qualify. Borrower elected Discount points/Rate buy downs are ineligible. Borrower must meet following eligibility requirements: primary single-family residence, fixed-rate, refinance transactions, with loan amounts above $250,000 and below conforming limits at less than 80% LTV, and credit score of 720 or higher. Borrowers who receive CASH OUT at closing or to payoff any debt other than prior first mortgage must have LTV below 70%.

Closing Cost Credit Program: For borrowers who do not qualify for a No Closing Cost Refinance, RP Funding will offer a Closing Costs Credit subject to the following conditions: fixed rate refinance transactions on loan amounts above $50,000 and below conforming limits, for borrowers with 640 or higher credit score. Actual amount of closing cost credit will vary and be disclosed to the customer on the Loan Estimate at time of Rate Lock

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Agreement to Our Policy

The use of our Site or interactions with a RP Funding advertisement, page or account on a third-party site indicates your consent to this Policy, including your consent to our use of information about you in the manner described in this Policy.

What Information Is Collected, How Is It Collected, and With Whom Is It Shared?

Information collected may be obtained in various ways, including, but not limited to, information entered on our Site via mobile devise or computer, questionnaires, emails, and from your online interaction. The information collected is obtained by information provided voluntarily directly to us or through a third party for our use. Some of the information that may be collected about you through online interaction includes information that you input, such as your name, address, email address, and other contact information; data resulting from your activity, such as transaction information; and location information

We may also gather additional information, such as the type of device and browser you are using, the IP address of your device, information about your device's operating system, and additional information associated with your device. We may also gather information collected through cookies, tags and other technologies.

We may share information with service providers with whom we work with, such as data processors and companies, that help us market products and services to you. When permitted or required by law, we may share information with additional third parties for purposes including response to legal process.

From our web pages, we do not knowingly collect personal information from individuals under the age of 13 without obtaining verifiable consent from their parents.

For more information about the Children's Online Privacy Protection Act (COPPA), visit FTC's website at www.ftc.gov.

How Is the Collected Information Used?

Cookies are pieces of information stored by your Web browser on behalf of a website and returned to the website on request. This Site uses cookies to carry data about your current session at the Site from one Web page to the next and to identify you to the Site between visits. We also may employ Google to serve ads on external sites based on a user's prior visits to this Site. If you prefer not to receive cookies, you may turn them off in your browser or set your browser to ask you before accepting a new cookie. Some pages may not function properly if the cookies are turned off. Unless otherwise notified on this Site, we will not store data, other than for these purposes, in cookies. Cookies remain on your computer, and accordingly we neither store cookies on our computers nor forward them to any external parties. The benefit of using cookies and other information provided, is that it allows us to make RP Funding's interaction with you more personalized and your overall experience with RP Funding a favorable one. For instance, by using the information gathered through use of cookies, RP Funding may make offers to you via online ads, email, U.S. mail or telephone.

We also use cookies, sometimes in conjunction with service providers, in online advertising either on our own Site or on third-party sites to help determine which of our advertisements are most likely to appeal to you.

We may also use additional technologies, such as pixel tags, web beacons and clear GIFs, and may permit our third-party service providers to use these technologies. We use these technologies for purposes such as measuring the effectiveness of our advertisements or other communications, determining viewing and response rates, and determining which offers to present to you on our own or on third-party sites.

In addition to the uses described above, we use information for purposes as allowed by law such as: servicing; communicating with you; improving our Site, products, or services; legal compliance; risk control; information security; anti-fraud purposes; marketing or personalizing the presentation of our products and services to you; tracking website usage, such as number of hits, pages visited and the length of user sessions in order to evaluate the usefulness of our sites; and using read-receipt notifications in our email communications.

Do I Have to Accept Cookies?

You may be able to set your browser to reject browser cookies. However, if you choose to reject cookies, you cannot access your accounts online with RP Funding. Therefore, if you set your browser options to disallow cookies, you will limit the functionality we can provide when you visit our Site. The latest versions of Internet browsers provide cookie management tools, such as the ability to delete or reject cookies. We recommend that you refer to information supplied by browser providers for more specific information, including how to use these tools.

Security and Encryption

RP Funding takes commercially reasonable precautions to protect your information. When appropriate, we use SSL encryption technology and a secure server to encrypt information transmitted between your browser and our server. As a result, data you submit to us is transmitted using commercially reasonable security over the Internet.

We have put in place appropriate physical, electronic and managerial procedures to safeguard and help prevent unauthorized access, maintain data security and correctly use the information we collect through all channels. We maintain a secure process to collect, transmit and store your personally identifiable information.

Advertisements

Third party vendors, including but not limited to Google, show RP Funding's ads on sites on the internet and use cookies to serve our ads based on a user's prior visits to rpfunding.com and other affiliated web sites. Users may opt out of Google's use of cookies by visiting the Google advertising opt-out page. Additionally, users can opt out of a third party vendor's use of cookies by visiting the Network Advertising Initiative opt out page.

Our Communications With You

(TCPA Consent for United States Residents)

EXPRESS WRITTEN CONSENT. BY SUBMITTING YOUR CONTACT INFORMATION, YOU ARE PROVIDING YOUR EXPRESS WRITTEN CONSENT TO RECEIVE COMMUNICATIONS FROM US AT THE EMAIL ADDRESS AND TELEPHONE NUMBERS YOU ENTERED INTO OUR CONTACT FORM, OR THAT YOU LATER PROVIDE TO US OR ENTER INTO YOUR CONTACT PAGE.

E-MAILS, CALLS, AND TEXTS. THESE COMMUNICATIONS MAY INCLUDE TELEMARKETING MESSAGES, THROUGH THE USE OF EMAIL, LANDLINE PHONE, FAX, CELLULAR PHONE, AND TEXT MESSAGES (INCLUDING SMS AND MMS).

AUTODIALING. WE MAY USE AN AUTOMATIC TELEPHONE DIALING SYSTEM (OR "AUTO-DIALER"), WHICH MAY EMPLOY AN ARTIFICIAL OR PRE-RECORDED VOICE OR "ROBOTEXTS." YOUR CARRIER'S STANDARD RATES AND CHARGES MAY APPLY.

NO PURCHASE NECESSARY. AGREEING TO THESE COMMUNICATIONS IS NOT A CONDITION OF PURCHASING ANY PROPERTY, GOODS, OR SERVICES FROM US.

OPTING OUT. YOU MAY REVOKE YOUR CONSENT TO RECEIVE COMMUNICATIONS AT ANY TIME BY REPLYING "STOP" TO ANY OF OUR TEXTS, OR BY ANY OTHER REASONABLE MEANS. WE WILL MAKE A COMMERCIALLY REASONABLE EFFORT TO COMPLY WITH ANY COMMUNICATIONS FROM YOU OPTING OUT, BUT REPLY "STOP" WILL AUTOMATICALLY UNSUBSCRIBE YOU, AND WE RECOMMEND THAT METHOD. WE MAY TAKE UP TO 30 DAYS TO STOP COMMUNICATIONS IF YOU USE A METHOD OTHER THAN THE AUTOMATIC REPLY "STOP." YOU CONSENT TO RECEIVE A FINAL TEXT MESSAGE CONFIRMING YOUR OPT-OUT.

COMMUNICATION FREQUENCY. HOW OFTEN WE SEND YOU COMMUNICATIONS WILL VARY, BECAUSE THE INDIVIDUAL SALESPERSON OR REALTOR WHO COMMUNICATES WITH YOU WILL DETERMINE IT.

Your consent here also serves as your express written consent to your past receipt of electronic communications from us.

You represent and warrant that:

RP Funding Complaints Resolution

We value customer feedback and complaints. If you would like to share your feedback or complaints in regards to any of our policies or customer service, please use the RP Funding Complaints & Feeback Form. All RP Funding Complaints are reviewed directly by our Executive Team.

Additionally, complaints or concerns regarding this policy or the use of your information may be sent in writing to:

RP Funding
attn: Complaints & Feedback Department
1400 International Parkway South, Suite 1000
Lake Mary, Florida 32746
[email protected]
321-397-4420

Opt-Out

To stop receiving advertisements via email please visit our Opt-Out Link. Opting out will prevent you from receiving any marketing or advertisement emails, however you cannot opt-out of communications regarding a mortgage loan in process, opt-out will only apply to advertising messages.