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    LEARN THE INS AND OUTS

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    GET TIPS
  • SPEAK WITH A LOAN AGENT

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    TO MAKE A PLAN FOR MORTGAGE SUCCESS
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Privacy Policy Statement

 
What This Privacy Policy Covers
This policy covers how Know Enterprises, LLC treats personal information that Know Enterprises, LLC collects and receives in connection with its public Web site. Personal information is information about you that is personally identifiable like your name, address, e-mail address, or phone number, and that is not otherwise publicly available.

Information Collection and Use
Know Enterprises, LLC collects personal information when you submit a contact form, and when you visit Know Enterprises, LLC’s public Web site.
Know Enterprises, LLC automatically receives and records information on our server logs from your browser, including your IP address, Know Enterprises, LLC cookie information, and the page you request.

Information Sharing and Disclosure
Know Enterprises, LLC does not rent, sell, or share personal information about you with other people or nonaffiliated companies except when we have your permission, or under the following circumstances:
  1. When we respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims; or
  2. When we believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of Know Enterprises, LLC's terms of use, confidentiality pledge and standards or as otherwise required by law.

Cookies
Know Enterprises, LLC may set and access cookies on your computer.
Cookies are files or pieces of information that may be stored in your computer’s hard drive when you visit a Web site. This file or piece of information allows a user to move quickly and easily around our Web site and is used to identify returning users. We also use a cookie to track a user’s sessions. We use this information to find out what site features are most popular so we can develop our Web site and content in light of our analysis of people’s usage.
The use of cookies is an industry standard and done on most Web sites.

We do not, however, use cookies to retrieve involuntary information about your computer. Accordingly, if you would prefer, you can set up your browser to refuse cookies or to alert you to their presence and thereby allow you to remove them from your computer.

Confidentiality and Security
We limit access to personal information about you to staff who we believe reasonably need to come into contact with that information to provide services to you or in order to do their jobs.

We take all reasonable precautions to keep your personal information secure and we have put in place physical, electronic, and procedural safeguards that comply with federal regulations to protect personal information about you.

Links to other Web sites
The Know Enterprises, LLC public Web site may contain links to other Web sites; however, we are not responsible for the privacy practices or the content of such Web sites and do not make any representation as to the existence, sufficiency, accuracy or completeness of their Web sites or privacy policies.

Changes to this Privacy Policy
Due to changes in legislation and best practice or enhancements to functionality and content on Know Enterprises, LLC’s public Web site, Know Enterprises, LLC may update this privacy policy. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary e-mail address or by placing a prominent notice on our public Web site, and accordingly you should check here from time to time.

Questions and Suggestions
If you have questions or suggestions, please contact us at Know Enterprises, LLC. Attention: Privacy Officer.
  • DID YOU KNOW:

    Only close family and relatives, such as aunts and uncles can “gift” you money for a down payment.
  • DID YOU KNOW:

    The failure rate for a home purchase is 20% on average.
  • DID YOU KNOW:

    Many lenders have NO PMI loans, even if you have a down payment of less than 20%.
  • DID YOU KNOW:

    Veterans may qualify for a home purchase with no down payment using a VA Loan for purchase.
  • DID YOU KNOW:

    Many condominiums are not FHA approved and therefore you will not be able to purchase the condo with an FHA Loan.
  • DID YOU KNOW:

    FHA Loans give you greater flexibility with your debt to income ratio. In short, you can qualify for more loan with less income.
  • DID YOU KNOW:

    Student loans can throw your debt to income ratio out of whack and disqualify you from approval due to excessive debt.
  • DID YOU KNOW:

    Bankruptcy does not disqualify you from getting an FHA Loan as long as it has been 2 years since the recorded discharge date, or 4 years for a Conventional Loan.
  • DID YOU KNOW:

    Many lenders will not accept documents, such as bank statements, that have any portion that has been blacked out or tampered with.
  • PRO TIP:

    Be sure to understand exactly how much loan you can be approved for before you fall in love with a home and get into a contract!
  • PRO TIP:

    Don’t move around assets during the processing of your home purchase loan, as it will trigger the underwriters to ask repeatedly for updated bank statements.
  • PRO TIP:

    Not every Realtor can produce the same results, so be sure to check their credentials and experience.
  • PRO TIP:

    Don’t just trust a pre-qualification from a licensed lending officer. Get pre-approved by an actual underwriter before you get into a home purchase contract.

Speak with a loan agent now!