BayPort Lending - Company NMLS #2104798
Effective Date: December 18, 2025
Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information.
Purpose Identification:
Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.
Limited Collection and Use:
We will collect and use personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law.
Data Retention:
We will only retain personal information as long as necessary for the fulfillment of those purposes.
Lawful Collection:
We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.
Data Accuracy:
Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.
Security Safeguards:
We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.
Transparency:
We will make readily available to customers information about our policies and practices relating to the management of personal information.
We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.
Complete Privacy Policy:
This short outline includes important aspects of our privacy policy. To review our entire privacy policy, email us at the address on our home page.
It is the policy of our company to respond to customer complaints, disputes and issues immediately, to take each complaint seriously, to investigate each complaint however small it is – immediately and to take remedial actions swiftly.
Immediate Documentation:
As soon as a complaint is received, it is documented and is logged into a special log. The complaint is sent directly to the Customer Complaint Officer or his designate, in order to take action.
Record Keeping:
All complaints and records of complaints are kept in a special complaints binder along with all the Customer Complaint Officer's Quality Control Files and other written policies so employees can easily access them and use them to provide better customer service.
Management Review:
Reports on complaints are reviewed during the Customer Complaint Officer's meetings with our Board.
We are focused on providing financial products and services to all customers in compliance with all Federal and State regulatory policies including but not limited to consumer protection, fair lending and civil rights laws.
File a Complaint:
For more information or to file a complaint, contact us at the number on the Home Page.
IMPORTANT NOTICE:
These materials are not from HUD, FHA, the USDA, or the VA. These materials were not approved by any government agency. They are independent of any government agency.
We are not in any way affiliated with any organization listed or referenced within this website, including HUD/FHA/USDA/VA. The inclusion of various education, information, web links, or materials are not an endorsement of the Sender or any of its employees or business partners.
For information directly from official government sources, please visit:
HUD/FHA Information:
https://www.hud.gov/guidance
VA Home Loans Information:
http://www.benefits.va.gov/HOMELOANS/
USDA Information:
https://www.usda.gov
NOTICE TO TEXAS CONSUMERS:
BayPort Lending is licensed by the Texas Department of Savings and Mortgage Lending as a Mortgage Broker. Our Company NMLS number is #2104798. You can verify our license status at the Nationwide Mortgage Licensing System at www.nmlsconsumeraccess.org.
If you have a complaint, first contact us at the contact information provided on our home page. If you still have an unresolved complaint regarding the company's mortgage lending activities, you may direct your complaint to:
Texas Department of Savings and Mortgage Lending
2601 North Lamar Boulevard
Austin, Texas 78705-4294
Phone: (877) 276-5550 (toll-free in Texas)
Website: www.sml.texas.gov
Email: complaints@sml.texas.gov
Right to Shop:
You are not required to use any particular lender, mortgage broker, or other provider of settlement services. You have the right to shop for the best terms and lowest cost for the mortgage loan and settlement services.
Prepayment Penalties:
Texas law limits prepayment penalties on certain home loans. You should ask your loan officer whether your loan will include a prepayment penalty and review your loan documents carefully.
Home Equity Loans:
If you are obtaining a home equity loan under Section 50(a)(6), Article XVI of the Texas Constitution, you have specific rights including:
Reverse Mortgage Counseling:
Texas law requires that before you can obtain a reverse mortgage (also called a home equity conversion mortgage), you must receive counseling from an independent third-party counselor approved by the U.S. Department of Housing and Urban Development.
Texas has specific laws regarding foreclosure proceedings and homeowner rights. If you are facing foreclosure or having difficulty making your mortgage payments, contact your lender immediately to discuss options that may be available to you.
It is illegal to discriminate in the provision of or in the availability of residential real estate-related transactions because of race, color, religion, sex, handicap, familial status, or national origin. If you believe you have been discriminated against, you may file a complaint with:
U.S. Department of Housing and Urban Development (HUD)
Office of Fair Housing and Equal Opportunity
Phone: (800) 669-9777 (toll-free)
Website: www.hud.gov/fairhousing
For more information about your rights as a mortgage borrower in Texas, visit:
Questions About These Disclosures?
Contact BayPort Lending at the information listed on our home page.
Last Updated: December 18, 2025