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Legal Information & Privacy Policy
Reverse Mortgage
Reverse mortgage loan terms include occupying the home as your primary
residence, maintaining the home, paying property taxes and homeowners insurance.
Although these costs may be substantial, AAG does not establish an escrow
account for these payments. However, a set-aside account can be set up for taxes
and insurance, and in some cases may be required. Not all interest on a reverse
mortgage is tax-deductible and to the extent that it is, such deduction is not
available until the loan is partially or fully repaid.
AAG charges an origination fee, mortgage insurance premium (where required by
HUD), closing costs and servicing fees, rolled into the balance of the loan. AAG
charges interest on the balance, which grows over time. When the last borrower
or eligible non-borrowing spouse dies, sells the home, permanently moves out, or
fails to comply with the loan terms, the loan becomes due and payable (and the
property may become subject to foreclosure). When this happens, some or all of
the equity in the property no longer belongs to the borrowers, who may need to
sell the home or otherwise repay the loan balance. V2021.06.02
AAG Home Equity Conversion Mortgage (HECM) Disclosure
NMLS# 9392 (www.nmlsconsumeraccess.org). American Advisors Group (AAG) is
headquartered at 18200 Von Karman Ave., Suite 300, Irvine, CA 92612. AAG
conducts business in the following states: AK (Alaska Mortgage Broker/Lender
License No. AK9392), AL, AR, AZ (BK_0911141), CA (CA Loans made or arranged
pursuant to a California Finance Lenders Law license (603F324) and Licensed by
the Department of Financial Protection and Innovation under the California
Residential Mortgage Lending Act (4131144)), CO (Regulated by the Division of
Real Estate; to check the license status of your mortgage loan originator, visit
http://www.dora.state.co.us/real-estate/index.htm), CT, DC (District of Columbia
Mortgage Dual Authority License No. MLB9392), DE, FL, GA (residential Mortgage
Licensee #22849), HI, IA, ID, IL (Illinois Residential Mortgage Licensee;
Illinois Commissioner of Banks can be reached at 100 West Randolph, 9th Floor,
Chicago, Illinois 60601, (312)814-4500), IN, KS (Kansas Licensed Mortgage
Company MC. 0025024), KY, LA, MD, ME (SLM11356), MI, MN, MO (4824 NW Gateway
Ave, Suite 201, Riverside, MO 64168), MS (Licensed by the Mississippi Department
of Banking and Consumer Finance), MT, NC, ND, NE, NH (Licensed by the New
Hampshire banking department), NJ (Licensed by the N.J. Department of Banking
and Insurance), NM, NV, NY 58 South Service Road, Suite 210 Melville, NY 11747
(Licensed Mortgage Banker-NYS Department of Financial Services; American
Advisors Group operates as American Advisors Group, Inc. in New York.) LMBC
109396, OH (RM.850159.000), OK, OR (ML-4623), PA (Licensed by the Pennsylvania
Department of Banking 28356), RI (Rhode Island Licensed Lender), SD, SC, TN, TX
(Mortgage Banker Registration, 9601 Amberglen Blvd, Suite 260 Austin, TX 78729),
UT, VA (Licensed by the Virginia State Corporation Commission MC – 5134), VT
(Vermont Lender License No. 6384), WA (Consumer Loan # CL-9392),WV, WI, WY
(WY-DBA AAG Reverse Mortgage Lender/Broker License No. 2331). AAG is an equal
housing lender. These materials are not from HUD or FHA and were not approved by
HUD or a government agency.
A reverse mortgage increases the principal mortgage loan amount and decreases
home equity (it is a negative amortization loan). V2021.06.02
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED
MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A
COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601
NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS
MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE
CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A
RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED
BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE
LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND
MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A
CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE
DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
AAG Advantage Disclosure
NMLS# 9392 (www.nmlsconsumeraccess.org). American Advisors Group (AAG) is
headquartered at 18200 Von Karman Ave., Suite 300, Irvine, CA 92612. AAG
Advantage reverse mortgage loans are only offered in the following states: AZ
(BK_0911141), CA (CA Loans made or arranged pursuant to a California Finance
Lenders Law license (603F324) and Licensed by the Department of Financial
Protection and Innovation under the California Residential Mortgage Lending Act
(4131144)), CT, CO (Regulated by the Division of Real Estate; to check the
license status of your mortgage loan originator, visit
http://www.dora.state.co.us/real-estate/index.htm), D.C. (District of Columbia
Mortgage Dual Authority License No. MLB9392), FL, GA (residential Mortgage
Licensee #22849), HI, ID, IL (Illinois Residential Mortgage Licensee; Illinois
Commissioner of Banks can be reached at 100 West Randolph, 9th Floor, Chicago,
Illinois 60601, (312)814-4500), LA, MI, NC, NJ (Licensed by the N.J. Department
of Banking and Insurance), NV, NY 58 South Service Road, Suite 210 Melville, NY
11747 (Licensed Mortgage Banker-NYS Department of Financial Services; American
Advisors Group operates as American Advisors Group, Inc. in New York.) LMBC
109396, OH (RM.850159.000), OR (ML-4623), PA (Licensed by the Pennsylvania
Department of Banking 28356), RI (Rhode Island Licensed Lender), SC, TX
(Mortgage Banker Registration, 9601 Amberglen Blvd, Suite 260 Austin, TX 78729),
UT, VA (Licensed by the Virginia State Corporation Commission MC – 5134). WA
(Consumer Loan # CL-9392), Advantage Select is not available in all states.
V2021.06.01
AAG Traditional Mortgage Disclosure
NMLS# 9392 (www.nmlsconsumeraccess.org). American Advisors Group (AAG) is
headquartered at 18200 Von Karman Ave., Suite 300, Irvine, CA 92612. AAG
conducts business in the following states: AK (Alaska Mortgage Broker/Lender
License No. AK9392), AL, AR, AZ (BK_0911141), CA (CA Loans made or arranged
pursuant to a California Finance Lenders Law license (603F324) and Licensed by
the Department of Financial Protection and Innovation under the California
Residential Mortgage Lending Act (4131144)), CO (Regulated by the Division of
Real Estate; to check the license status of your mortgage loan originator, visit
http://www.dora.state.co.us/real-estate/index.htm), CT, DC (District of Columbia
Mortgage Dual Authority License No. MLB9392), DE, FL, GA (residential Mortgage
Licensee #22849), HI, IA, ID, IL (Illinois Residential Mortgage Licensee;
Illinois Commissioner of Banks can be reached at 100 West Randolph, 9th Floor,
Chicago, Illinois 60601, (312)814-4500), IN, KS (Kansas Licensed Mortgage
Company MC. 0025024), KY, LA, MD, ME (SLM11356), MI, MN, MO (4824 NW Gateway
Ave, Suite 201, Riverside, MO 64168), MS (Licensed by the Mississippi Department
of Banking and Consumer Finance), MT, NC, ND, NE, NH (Licensed by the New
Hampshire banking department), NJ (Licensed by the N.J. Department of Banking
and Insurance), NM, NV, NY 58 South Service Road, Suite 210 Melville, NY 11747
(Licensed Mortgage Banker-NYS Department of Financial Services; American
Advisors Group operates as American Advisors Group, Inc. in New York.) LMBC
109396, OH (RM.850159.000), OK, OR (ML-4623), PA (Licensed by the Pennsylvania
Department of Banking 28356), RI (Rhode Island Licensed Lender), SD, SC, TN, TX
(Mortgage Banker Registration, 9601 Amberglen Blvd, Suite 260 Austin, TX 78729),
UT, VA (Licensed by the Virginia State Corporation Commission MC – 5134), VT
(Vermont Lender License No. 6384), WA (Consumer Loan # CL-9392),WV, WI, WY
(WY-DBA AAG Mortgage Lender/Broker License No. 2331). AAG is an equal housing
lender. V2021.06.01
AAG Residential Services, Inc. Disclosure
AAG Residential Services, Inc., Irvine, California. Real estate broker,
California Department of Real Estate, License number 02039087. AAGRS is
performing acts for which a real estate license is required.
AMERICAN ADVISORS GROUP
ONLINE PRIVACY STATEMENT
Welcome to aag.com (the “Site”) and the online services of American Advisors
Group (collectively, “AAG”, the “Company,” “we,” or “us”). This Online Privacy
Statement (the “Privacy Statement”) explains how we collect, use, disclose, and
protect the Personal Information that we collect through our Services, and your
choices about the collection and use of such information.
Throughout this Privacy Statement, we collectively refer to this Site and any
services offered through it as the “Services.” When you use our Services, you
agree that we may use and disclose your Personal Information as described in
this Privacy Statement. If you do not consent to these terms, you should not use
the Services or otherwise provide us with any Personal Information.
If you apply for a loan or another financial product or service with us, we may
provide you with a separate notice that describes our practices with respect to
the use and disclosure of the non-public personal information that we learn
about you in the course of providing you with such Services (such information,
“NPPI”), and which gives you an opportunity to opt-out of certain types of
information sharing. To the extent that there is any conflict between this
Online Privacy Statement and that notice, the notice shall control.
Please note that this Privacy Statement does not describe the practices of any
other party that may have access to your Personal Information. To the extent
that we provide your Personal Information to our agents or service providers, we
will take what we believe to be commercially reasonable steps to ensure that
they safeguard such information and use it only for the intended purposes.
However, we are not responsible for the practices employed by any third party
website that we may link to, nor for the information or content contained
therein. We encourage you to review the privacy statements of such other
websites to understand their information practices and terms of service.
Click on the links below to jump to each section:
1. How We Collect and Use Information
2. Sharing of Your Information
3. How We Store and Protect Your Information
4. Your Choices about Your Information
5. “Do Not Track”
6. Children’s Privacy
7. Links to Other Websites and Services
8. How to Contact Us
9. Changes to Our Privacy Statement
1. HOW WE COLLECT AND USE INFORMATION
Capitalized terms that are not defined in this Privacy Statement have the
meaning given to them in our Terms and Conditions.
We collect the following types of information about you:
Personal Information:For purposes of this Privacy Statement, “Personal
Information” means information that would allow someone to identify or contact
you or your computing device. We may ask for certain types of Personal
Information, such as your first and last name, phone number, current address,
and e-mail address when you use the Site or otherwise correspond with us.
We use this information to create your account and to operate, maintain, and
provide to you the features and functionality of the Services, as well as to
communicate directly with you, such as to send you legally required disclosures,
email messages, telephone calls, and/or text messages. We may also send you
Services-related emails or messages (e.g., account verification requests,
transaction confirmations, offers and/or counteroffers, notifications of changes
or updates to features of the Services, and technical and security notices).
For more information about your communication preferences, see “Your Choices
Regarding Your Information” below.
Aggregate or Demographic Information:We may collect and analyze aggregate data
assembled from Personal Information collected via the Services. Aggregate data
is collected in order to better understand the demographics and usage patterns
of all users of the Services, so that we can provide the highest level of
service to our customers. Such aggregate data generally is not personally
identifiable or linked to a specific user.
Technical Information:Our servers may automatically collect certain technical
information about your use of the Services, including, without limitation, your
browser type, your operating system, Internet Protocol address, and bandwidth
speed. We also may track your activity on our Site, including pages visited,
buttons or links clicked, emails opened, etc. Some technical information may
qualify as Personal Information, while other technical information may not be
personally identifiable. We generally use technical information for system
administration, security and statistical analysis.
Mobile Device Data:Certain mobile devices contain unique identifiers that can be
used, for example, to identify the physical location of such devices. When you
access the Services through a mobile device, we may collect, use, transmit,
process and maintain unique identifiers, caller ID data, location-based data,
and similar information for various purposes, including to provide the Services
you request and to improve your experience with the Services.
We may use “cookies” to collect some of the preceding information. A cookie is a
piece of data stored on a Site visitor’s hard drive to help us improve your
access to our Site and identify repeat visitors to our Site. For instance, when
we use a cookie to identify you, you would not have to log in a password more
than once, thereby saving time while on our Site. Cookies also can enable us to
track and target the interests of our users to enhance the experience on our
site. Cookies also may be used to limit the number of times you are shown a
particular ad.
Some of AAG’s business partners may use cookies on our Site (for example,
advertisers). However, we have no access to, or control over, these cookies.
You may set cookies that tell AAG or third parties to not use information about
what sites you visit to target ads to you. For example, the Network Advertising
Initiative (NAI) and the Digital Advertising Alliance (DAA) offer tools for
opting out of targeted advertising. As discussed below, we cannot guarantee that
our Site will respond to Do-Not-Track signals from your browser at this time.
Further, note that if you delete all cookies, you will also delete the cookies
that indicate your preference to opt out of targeted ads.
From time-to-time, we may engage third parties to track and analyze
non-personally identifiable usage and volume statistical information from
individuals who visit our Services.
You also may see advertisements when you use our Site. These advertisements are
for our own products or services or for products and services offered by third
parties. Which advertisements you see is often determined using the information
that we, our service providers, and other companies that we work with have about
you, including information about your relationships with us. To that end, where
permitted by applicable law, we may share with others the information that we
collect from and about you.
2. SHARING OF YOUR PERSONAL INFORMATION
We may use your Personal Information in order to provide the Services, to
deliver advertising content to you, and otherwise for our everyday business
purposes, as described above.
Note, however, that we also may disclose your Personal Information to third
parties in order to provide the Services and for other reasons. Such third
parties may include affiliated or unaffiliated companies and other entities.
Subject to applicable law, the reasons that we may use and disclose your
personal information include:
* To create de-identified, anonymized, aggregated or similar non-personally
identifiable data, which we may use for any lawful business purpose;
* To engage in routine business uses that an ordinary and reasonable person
should expect in the context of the Services that we provide, the reasons for
which we collect Personal Information, and/or the ways that similar
businesses ordinarily operate, including, for example, uses and disclosures:
* to service providers, information technology providers, consultants,
mailing and other business process providers, vendors, and other third
parties which help us to operate and improve our business, including by
providing analytic services;
* to other companies owned by us or under common ownership, including to our
subsidiaries, or to our ultimate holding company and any of its
subsidiaries. These companies may use your Personal Information in the same
way as we can under this Privacy Statement;
* to third-party marketers who may reach out to you regarding additional
products and services;
* for security, anti-fraud, authentication and verification purposes;
* to respond to questions or requests or to contact you for lawful purposes,
including for surveys;
* to vendors and their service providers who reasonably need the personal
information to do their jobs, which may include helping us to analyze how
the Services are used, diagnose service or technical problems, customize
content or deliver personal communications, and/or protect the security or
integrity of the Services;
* to our co-branded business partners with whom we may jointly provide
Services to you;
* to respond to or participate in commercial disputes (e.g., lawsuits or
investigations);
* to persons appearing to have a lawful interest in the Personal Information
(e.g., to an insurance company processing an insurance claim involving
you); or
* to comply with applicable law;
* In connection with a merger or other business combination or separation
(including, but not limited to, a voluntary or involuntary change in our
business or structure, or a reorganization, financing, change of control,
sale of all or part of our stock or assets, spinoff, bankruptcy, dissolution,
or any related to similar proceedings);
* To respond to legal process or to regulatory authorities (such as pursuant to
a subpoena; warrant; investigative demand from law enforcement, regulators or
others; national or international security letters; etc.)
* To investigate, prevent, or take action regarding suspected or actual illegal
activities (including fraud or stalking), security or technical issues;
* To protect against fraud, claims, or other liability or harm to you, us, or
others;
* To exercise or perform a legal, ethical, contractual or other right or
obligation, such as to enforce our Terms and Conditions or other agreements,
or to investigate potential violations thereof; and
* For such lawful purposes as may be disclosed or evident at the time that you
provide Personal Information to us (e.g., when you provide Personal
Information in response to a survey, sign up for an event, register for a
newsletter, or request a Service).
For further information on your choices regarding your information, see the
section below called, “Your Choices Regarding Your Information.”
3. HOW WE STORE AND PROTECT YOUR INFORMATION
Storage and Processing: Personal Information collected through the Services may
be stored and processed in the United States or any other country in which AAG
or its subsidiaries, affiliates or service providers maintain facilities. If you
are located in the European Union, Canada, or other regions with laws governing
data collection and use that may differ from U.S. law, please note that we may
transfer information, including Personal Information, to a country and
jurisdiction that does not have the same data protection laws as your
jurisdiction, and you consent to the transfer of information to the U.S. or any
other country in which AAG or its parent, subsidiaries, affiliates or service
providers maintain facilities and the use and disclosure of information about
you as described in this Privacy Statement.
Security: We care about the security of your information and use what we believe
to be commercially reasonable safeguards to preserve the integrity and security
of all Personal Information collected through the Services.
Please be advised, however, that no security measure, system, or control is
infallible. WE ACCORDINGLY DO NOT GUARANTEE THAT INFORMATION ON THE SERVICES MAY
NOT BE ACCESSED, DISCLOSED, ALTERED, OR DESTROYED AND DISCLAIM ANY EXPRESS OR
IMPLIED WARRANTIES, DUTIES OR CONDITIONS IN THAT REGARD. If any applicable law
imposes on us a duty with respect to these matters that cannot be disclaimed,
you acknowledge and agree that our commercially reasonable precautions shall be
considered to satisfy that duty unless (and only unless) we have engaged in
willful misconduct.
Compromise of information: In the event that the security of any Personal
Information under our control is compromised, we will take reasonable steps to
investigate and mitigate the situation, including, when and where appropriate,
by notifying those individuals whose Personal Information may have been
compromised and taking other steps in accordance with applicable laws and
regulations.
4. YOUR CHOICES ABOUT YOUR INFORMATION
Commercial and marketing communications: We may provide notifications to you
that are required by law or that are for marketing or other business-related
purposes. Subject to applicable law, we may provide such notifications to you
via email, text message, hard copy, or through conspicuous posting on our Site
or otherwise through the Services. We reserve the right to determine the form
and means of providing notifications to you.
Promotional Emails: We may send you emails containing newsletters, promotions
and special offers. If you do not want to receive such promotional email
communications, you will be given the option to opt out. You can stop receiving
promotional email communications from us by clicking on the “unsubscribe link”
provided in such communications. We make reasonable efforts to promptly process
all unsubscribe requests.
Service-Related Emails: We also may use your Personal Information to send you
Services-related informational email communication. You may not opt out of such
Services-related communications.
If you do not wish to receive further e-mail communications from us, you may
click here to unsubscribe.
AAG complies with all federal and state Do Not Call regulations. We respect and
protect your rights and privacy. You may access a copy of our Do Not Call Policy
here.
If you have any questions about reviewing or modifying your personal
information, you can contact us directly at webmaster@aag.com.
5. "DO NOT TRACK"
Our Services do not respond to Do-Not-Track signals from your browser at this
time.
6. CHILDREN’S PRIVACY
AAG does not knowingly collect or solicit any information from anyone under the
age of 13 or knowingly allow such persons to register as Users. The Services are
not directed at children under the age of 13. In the event that we learn that we
have collected Personal Information from a child under age 13 without
verification of parental consent, we will delete that information as quickly as
possible. If you believe that we might have any Personal Information from or
about a child under 13, please contact us at webmaster@aag.com.
7. LINKS TO OTHER WEB SITES AND SERVICES
We are not responsible for the practices employed by websites or services linked
to or from the Services, including the information or content contained therein.
Please remember that when you use a link to go from the Services to another
website, our Privacy Statement does not apply to third-party websites or
services. Your browsing and interaction on any third-party website or service,
including those that have a link or advertisement in our Services, are subject
to that third party’s own rules and policies.
8. HOW TO CONTACT US
If you have any questions about this Privacy Statement or the Services, please
contact us at 866-254-9903, email us at webmaster@aag.com, or write to us at:
American Advisors Group
Attn: Client Relations
18200 Von Karman Ave., Suite 300,
Irvine, CA 92612
9. CHANGES TO OUR PRIVACY STATEMENT
We may modify or update this Privacy Statement from time to time to reflect the
changes in our business and practices. When we change this Privacy Statement in
a material manner, we will update the ‘last modified’ date at the bottom of this
page. We encourage you to review this Privacy Statement whenever you use our
Services in order to stay informed about our information practices.
To the extent not prohibited by law, any amendment or update to this Privacy
Statement will apply to Personal Information that we already have collected and
to any Personal Information that we subsequently may obtain. When required by
applicable law, however, we may provide you with advance notice of any changes
to this Privacy Statement and with an opportunity to object to such changes. If
you exercise your right to object, the changes will not become effective with
respect to your Personal Information, but your ability to use our Services may
be terminated or impaired. We will explicitly notify you of the consequences of
objection or non-objection to the extent and in the manner required by law.
This Privacy Statement was last modified on March 15, 2019.
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