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Terms & Conditions

Legal Disclosures & State Licensing
Cahaba Mortgage Group operates in compliance with all state and federal mortgage regulations. We are licensed through the Nationwide Multistate Licensing System (NMLS), ensuring that we adhere to industry standards and transparency practices.

For more information on state-specific licensing, visit the NMLS Consumer Access Website.


Privacy Policy
At Cahaba Hills Mortgage, we value your privacy and are committed to safeguarding your personal information. This policy explains how we collect, use, share, and protect the information you provide throughout your experience with us.
 

1. Information We Collect

  • Personal Information: Name, contact details, Social Security number, and financial data.

  • Loan Application Data: Employment history, income details, and credit reports.

  • Website Usage Data: Information collected through cookies and tracking technologies when you browse our site.

 

2. How We Use Your Information
We use your information to:

  • Process loan applications and perform credit checks.

  • Communicate updates related to your mortgage.

  • Improve our services through customer feedback and analytics.

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3. Sharing Your Information
We may share your information:

  • With financial institutions, underwriters, or other partners involved in the loan process.

  • To comply with legal requirements or government requests.

  • With authorized third parties to help manage and service your loan.

 

4. Your Privacy Rights

  • You may request access to, correction, or deletion of your personal information by contacting us at (info@cahabahillsmortgage.com).

  • We do not sell personal information to third parties.

 

For California residents, please see our [CCPA Privacy Notice] for additional rights and disclosures.


Fees & Costs Disclosure
At Cahaba Hills Mortgage, we believe in transparent pricing. Below are some typical fees you may encounter during the loan process:

  • Appraisal Fees

  • Loan Origination Fees

  • Credit Report Fees

  • Closing Costs (Title Insurance, Attorney Fees, etc.)

Please note: Actual fees may vary based on loan type, lender policies, and state regulations. You will receive a detailed breakdown of your fees during the loan process.
 

Consumer Complaints & Resolution Procedures
Your satisfaction is important to us. If you have any concerns or believe there is an error with your mortgage, please contact us directly:​

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We will acknowledge your complaint within 30 days and aim to resolve it promptly. If your complaint involves state regulations, you may also contact the Alabama Department of Banking or your state's relevant regulatory agency.
 

Equal Housing Opportunity Disclosure
Cahaba Mortgage Group is committed to providing equal access to homeownership opportunities. We do not discriminate based on race, color, religion, national origin, sex, marital status, or disability in any of our lending practices.

Terms & Conditions
The information on this website is for informational purposes only and does not constitute a loan commitment. Loan approvals are subject to verification, underwriting, and other lender criteria.
Interest rates and terms are subject to change without notice based on market conditions.

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