BRIGHT HOME LOANS BRIGHT HOME LOANS

RATES

Interest rates and annual percentage rates (APRs) are shown for Conventional & Jumbo mortgage options in Oregon. Rates displayed do not encompass all available loan options. Rates are based on the customizable loan details entered. To customize the rate quotes, enter in your loan details and click “UPDATE RATES”. Rates and prices are subject to change. To inquire about rates and loan options, please contact us.

COST OR CREDIT

Costs or credits are the prices for the various rate options. Lower rates have higher prices (one-time costs) and higher rates have lower prices. Rates and their corresponding prices are based on the customizable loan details entered and are subject to change. To view pricing for your scenario, enter your loan details and click “UPDATE RATES.” The cost or credit associated with a specific rate is applied at loan funding and in accordance with a complete loan approval. To learn more about your loan options, please contact us.

WHATS NOT INCLUDED

Third-party fees are estimated fees based on the customizable loan details entered. Other fees, charges and terms will apply. Some of these charges may include: property taxes, insurance premiums, transfer taxes, homeowners’ association dues, additional days of pre-paid interest (per-diem), and state and local fees. Estimated third-party fees are shown as a courtesy and only for reference. These estimated fees do not constitute or replace an official Loan Estimate and do not represent an offer of credit or commitment to lend. To receive an official Loan Estimate (LE) please contact us or apply online.

PRIVACY POLICY

Information We Collect
When you visit this site, we may collect certain types of information from you, such as information you voluntarily provide via forms, applications, etc. We may also collect information about you from your online browsing and transactions, including your preferences, pages visited, technical information regarding your computer and operating systems, such as your Internet Protocol (IP) address, domain name and system configuration and settings.

Individualized Password
When you sign up for online access to loan related information, you are asked to create your own username and password to access information related to your loan file. This information is encrypted during transmission. We allow you to select your own personal username (email address) to sign on. We strongly recommend that you use your own email address and not a shared email address that may be accessed by multiple parties.

Security Questions
Your originator may ask you to set up four security questions and answers, as well as a phrase and site image that will be associated with your account. If we ever need to confirm your identity, your correct answers to the security questions in conjunction with the phrase and site image will help us verify your identity.

Cookies
“Cookies” are alphanumeric identifiers in the form of text files that are inserted and stored by your Web browser on your computer’s hard drive. Ellie Mae may set and access cookies on your computer to track and store identifying information about you. We also may gather information about you using cookie technology. For example, Ellie Mae may assign a cookie to you to limit the amount of times you see particular information. Please note that most Internet browsers will allow you to stop cookies from being stored on your computer and to delete cookies stored on your computer. If you choose to eliminate cookies, the full functionality of the Service may be impaired for you. We encode our cookies so that only we can interpret the information stored in them.

Timed log-off
This website will automatically log you off after 20 minutes of inactivity. This reduces the risk of others accessing your information from your unattended computer.

Firewall
Ellie Mae’s computer systems are protected 24 hours a day by a powerful firewall that blocks unauthorized entry.

Encryption
From the moment account information leaves your computer to the time it enters Ellie Mae’s system, all online access is encrypted.
During any exchange of sensitive loan information or documents, our 128-bit encryption turns your information into a coded sequence with billions of possible variations, making it nearly impossible for unwanted intruders to decipher. Ellie Mae servers possess the formulas required to turn this code back into meaningful information for processing.
Any Web address beginning with "https://..." indicates the page you are viewing uses encryption. The "s" stands for "secured."

TERMS OF USE

This Site and related services are provided subject to your compliance with the terms and conditions set forth below ("Terms and Conditions"). Please read the following information carefully.
YOUR CONTINUED USE OF THIS SITE WILL INDICATE YOUR WILLINGNESS TO BE BOUND BY THE TERMS AND CONDITIONS SET FORTH BELOW. IF YOU DO NOT AGREE TO BE BOUND BY THE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS OR USE THIS SITE.
Privacy: The PRIVACY POLICY is expressly incorporated in these Terms and Conditions.
Restrictions on Use. All pages within this Website and any material made available for download (collectively the "Site") are the property of Lumen Mortgage Corporation ("Lumen Mortgage") and/or its affiliates. The Site is protected by federal and international copyright and trademark laws. No portion of the materials on these pages may be reprinted, republished, modified, or distributed in any form without the express written permission of Lumen Mortgage. You shall keep intact any proprietary notices, including copyright notices, contained on any downloaded materials and shall comply with any applicable end user license agreements.
Any rights not expressly granted by these Terms and Conditions or any applicable end user license agreements are reserved by Lumen Mortgage.
Copyright and Trademark Notice: All material on this Site is ©2017 Lumen Mortgage Corporation. All rights reserved. "Lumen Mortgage Corporation," "Lumen Mortgage," and "Lumen Mortgage.com," are the logos, trademarks, and service marks of Lumen Mortgage. All other trademarks, service marks and logos used in this Site are the trademarks, service marks, or logos of their respective owners.
Warranty Disclaimer. THIS SITE, INCLUDING ANY CONTENT OR INFORMATION CONTAINED WITHIN IT OR ANY SITE-RELATED SERVICE, IS PROVIDED "AS IS," WITH ALL FAULTS, WITH NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PURPOSE, AND NON- INFRINGEMENT. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THIS SITE, SITE- RELATED SERVICES, AND HYPERLINKED WEBSITES. LUMEN MORTGAGE, ITS AFFILIATES, AND ITS SPONSORS ARE NEITHER RESPONSIBLE NOR LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES ARISING OUT OF OR RELATING IN ANY WAY TO THE SITE, SITE-RELATED SERVICES, CONTENT OR INFORMATION CONTAINED WITHIN THE SITE, AND/OR ANY HYPERLINKED WEBSITE. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE, SITE-RELATED SERVICES, AND/OR HYPERLINKED WEBSITES IS TO STOP USING THE SITE AND/OR THOSE SERVICES.
Although Lumen Mortgage attempts to ensure the integrity and accurateness of the Site, it makes no guarantees whatsoever as to the correctness or accuracy of the Site. It is possible that the Site could include inaccuracies or errors, and that unauthorized additions, deletions and alterations could be made to the Site by third parties. If an inaccuracy arises, please inform Lumen Mortgage so that it can be corrected. Information contained on the Site may be changed or updated without notice.
Links or Pointers to Other Sites: Lumen Mortgage makes no representations whatsoever about any other Website that you may access though this Site. When you access a non-Lumen Mortgage Website, please understand that it is independent from Lumen Mortgage, and that Lumen Mortgage has no control over the content on that Website. In addition, a hyperlink to a non-Lumen Mortgage Website does not mean that Lumen Mortgage endorses or accepts any responsibility for the content, or the use, of the linked site. It is up to you to take precautions to ensure that whatever you select for your use or download is free of such items as viruses, worms, Trojan horses, and other items of a destructive nature.
Choice of Law and Venue: These Terms and Conditions are entered in the State of Oregon and shall be governed by and construed in accordance with the laws of the State of Oregon, exclusive of its choice of law rules. Each party to these Terms and Conditions submits to the exclusive jurisdiction of the state and federal courts sitting in the County of Multnomah in the State of Oregon, and waives any jurisdictional, venue, or inconvenient forum objections to such courts. In any action to enforce these Terms and Conditions, the prevailing party will be entitled to costs and attorney’s fees. If any of the Terms and Conditions are held by a court or other tribunal of competent jurisdiction to be unenforceable, those provisions shall be limited or eliminated to the minimum extent necessary so that these Terms and Conditions shall otherwise remain in full force and effect.
Entire Agreement: These Terms and Conditions constitute the entire agreement between Lumen Mortgage and you pertaining to the subject matter of this Agreement. At its sole discretion, Lumen Mortgage may modify these Terms and Conditions by posting the revised version on this Site and you agree that each visit by you to this Site is a new transaction governed by the terms of use linked on this Site at that time.
No Unlawful or Prohibited Purpose. As a condition of your use of this Site, you warrant to Lumen Mortgage that you will not use the Site for any purpose that is unlawful or prohibited by these Terms and Conditions.
Updated: December 2017