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Edward Stojancevich
RMLO NMLS 368666
c: (219) 973-6644
o: (219) 794-0600 ext 253
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8585 Broadway, Suite 600
Merrillville, IN 46410
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PNL Privacy Policy

Important Information Regarding Privacy

Below is information regarding our privacy policy. Please take a moment to read carefully.

Thank you for visiting our website. This statement (the “Privacy Policy”) explains the collection, use, and disclosure of personal and non-personal identification information by NTFN, a Texas corporation (“NTFN”), from users of the www.ntfn.com website (together with all sub-domains thereof, the “Site”). This Privacy Policy applies only to the Site and the products and services offered by NTFN on the Site.

Personal Identification Information

We collect personal identification information from you in a variety of ways, including, but not limited to, when you visit our Site, register on the Site, apply for a loan, subscribe to the newsletter, respond to a survey, fill out a form, make a payment, and in connection with other activities, services, features, or resources we make available on our Site, as well as in ways other than through our Site, such a when you send us a fax, through phone calls with us, or e-mails to us. [We also collect personal identification information about you, when authorized, from certain third parties such as appraisers, real estate agents or brokers, insurance agencies, credit bureaus and credit card processors.]  As used in this Privacy Policy, “personal identification information” means information that would allow a party to identify you, which includes, for example, your name, e-mail address, mailing address, phone number, social security number, income or other financial information (such as account balances, payment history, credit history, and credit scores), or credit card information. You may, however, visit our Site anonymously. We will collect personal identification information from you only if you voluntarily submit such information to us. You can always refuse to supply personal identification information, except that it may prevent you from engaging in certain Site-related activities, products, or services.

Non-personal Identification Information

We collect non-personal identification information about you whenever you interact with our Site. Non-personal identification information may include, but is not limited to, the browser name, the type of computer and technical information about your means of connection to our Site, such as your operating system, internet service provider, URL of previous websites you visited, aggregated and de-identified data, search terms, clicked links, and other similar information.

Web Browser Cookies

Our Site uses “cookies” to enhance your experience; both “session” cookies, which expire when you close your browser, and “persistent” cookies, which remain on your hard drive for an extended period of time. Your web browser places cookies on your computer’s hard drive for record-keeping purposes and to track and store information about your preferences for a particular website. You may choose to set your web browser to refuse cookies, or to alert you when cookies are being sent. If you do so, note that some parts of the Site may not function properly.

How we use collected information

NTFN collects and uses your personal and non-personal identification information for the following purposes:

• To Improve Our Site

We continually strive to improve our Site offerings based on the information and feedback we receive from you.

• To Improve Customer Service

Your information helps us to more effectively respond to your customer service requests and support needs.

• To Process Transactions, Including Payments

We use the personal identification information you provide to us through the Site when making a payment or engaging in a transaction in order to process and provide services to that payment or transaction. We disclose your personal identification information to a carefully selected group of third parties that assist us in providing services or processing payments made through the Site.

• To Send Periodic E-Mails

The e-mail address you provide for order processing will only be used to send you information and updates pertaining to your transaction or payment. It may also be used to respond to your inquiries and/or other requests or questions. If you decide to opt-in to our mailing list you will receive e-mails that may include company news, updates, related product or service information, etc. If at any time you would like to unsubscribe from receiving future e-mails, we include detailed unsubscribe instructions at the bottom of each e-mail or you may contact us via our Site or as indicated in the “Contacting Us” section below.

How we protect your information

We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.  [We encrypt your social security number, account numbers, and credit card number using secure sockets layer technology (SSL).]

Our Site is in compliance with PCI vulnerability standards in order to create as secure of an environment as possible for you when using our Site.

Notwithstanding the foregoing, no method of transmission over the internet or method of electronic storage is 100% secure, and we cannot guarantee absolute security.

Sharing your personal identification information

We do not sell, trade, or rent your personal identification information to others. We do not sell e-mail lists or customer lists to third parties. We share generic aggregated demographic non-personal information regarding visitors and users with our business partners, trusted affiliates, and advertisers, for the purposes outlined above. [We do not link aggregated demographic non-personal information with personal identification information].

We share your personal identification information with carefully selected third parties that help us provide, maintain, and improve the Site and the services and products we offer, or that provide us with marketing or other business services, and such third parties have access to your personal identification information in order to perform their services.  [These third parties may include but are not limited to financial service providers such as insurance companies or payment or data processing companies, and marketing companies or other business services.]  We share your personal identification information with outside third parties only to the extent necessary to process or administer your transaction, process your payment, or permit such third parties to provide marketing or other services to us. We ensure that such service providers are contractually obligated to keep your personal identification information confidential and use it only for the purpose for which we have contracted with such third party.

We also share your personal identification information with those entities with whom we in good faith believe we are required to do so by law. This information may include, but is not limited to, your name, address, social security number, and any other information you provide to us on any form or field on the Site.

Third Party Websites

You may find advertising or other content on our Site that link to the websites and services of our partners, suppliers, advertisers, sponsors, licensors, and other third parties. We do not control the content or links that appear on these websites and are not responsible for the content of or privacy practices employed by websites linked to or from our Site. In addition, these websites or services, including their content and links, may be constantly changing. This Privacy Policy does not apply when you have access to third party websites. Those sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website’s own terms and policies.

Children

The Site is not directed at children under the age of 13. Consistent with the federal Children’s Online Privacy Protection Act of 1998, we will never knowingly request, collect, or use personal identification information from anyone we know to be under the age of 13 without requiring parental consent. Further, we will delete any information in our database that we know originates from a child under the age of 13. Any person who provides their personal identification information to NTFN through the Site represents that they are 13 years of age or older.

California Privacy Rights

California Civil Code Section 1798.83 permits our customers who are California residents to request and obtain from us once a year, free of charge, information about the personal identification information (if any) we disclosed to third parties for direct marketing purposes in the preceding calendar year. If applicable, this information would include a list of the categories of personal identification information that was shared and the names and addresses of all third parties with which we shared information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing as indicated in the “Contacting Us” section below.

Special Note to International Users

The Site is hosted in the United States. If you are accessing the Site from the European Union, Asia, or any other region with laws or regulations governing personal data collection, use, and disclosure that differ from U.S. laws, please note that you are transferring your personal identification information to the United States, which does not have the same data protection laws as the EU and other regions. By providing your personal identification information you consent to: (i) the use of your personal identification information for the uses identified above in accordance with this Privacy Policy and (ii) the transfer of your personal identification information to the United States as indicated above.

Changes to this Privacy Policy

NTFN reserves the right to change or update this Privacy Policy at any time. When we do, we will revise the updated date at the bottom of this page. Any changes to this Privacy Policy will become effective when we post the revised date on the Site. We encourage you to frequently check this page for any changes to stay informed about how we are helping to protect the personal and non-personal identification information we collect. You acknowledge and agree that it is your responsibility to review this Privacy Policy periodically and become aware of modifications.

Your Acceptance of these Terms

By accessing and using this Site, you signify your acceptance of this Privacy Policy. If you do not agree to this Privacy Policy, please do not use our Site. Your continued use of the Site following the posting of changes to this Privacy Policy will be deemed your acceptance of those changes. By accessing and using this Site, you also agree to receive the annual notice regarding our Privacy Policy here via the Site.

Changing or Updating Your Information

If at any time you wish to verify, correct, change, or remove your personal information, you may correct, update, delete or deactivate it by contacting us at the address, phone number or e-mail address indicated in the “Contacting Us” section below.

Contacting Us

If you have any questions about this Privacy Policy, the practices of this Site, or your dealings with this Site, please contact us at:

NTFN, Inc.
Compliance Department
Compliance Manager
700 State Hwy. Bypass, Suite 100
Lewisville, Texas 75067
1.800.508.4495
support@ntfn.com

Last updated: January 31, 2016

Residential Mortgage Loan Originators

My A&M Mortgage Group team is built upon a reputation for excellence in client service, extensive industry experience and a dedicated commitment to our clients. I have witnessed many changes in lending programs which has prepared me to answer all of your questions and concerns when buying a home. Purchasing a home is one of the biggest investments that a person will make in their lifetime and you should be well informed and make sure you are getting the best mortgage program for you and your family.


Loan Center

Checklist

What you will need to ensure a smooth home mortgage process.

Loan Options

There are several loan options available when purchasing a home.

Down Payment Assistance

Find out more about special programs and who qualifies.

Calculator

Wondering how much you can finance?

Testimonials

What more could we ask for? Ed was wonderful to work with. We received a super low rate, low closing costs and closed in less than 30 days. We are so very happy with the service and the whole process, oh and of course our new home! Ed knows lending like the back of his hand! If you are looking to buy a home or refinance or anything, you need to call this man!

Laura S. (Buyer)

Ed was very knowledgeable, and when it came to closing on home he made it happen sooner than expected. Worked with me all the way especially when it came to telling me what I needed to do to get myself where I needed to be in order to purchase my home. Ed is someone that's takes pride in his work and helping others would defiantly work with him in the future

Michael C. (Buyer)

We recently worked with Ed to buy our new house in Valparaiso. He was extremely organized and helpful in the home buying process. He helped make it easy & would recommend him to anyone needing mortgage services!!

Jake and Debra L. (Buyers)

As a first time homebuyer, my wife and I found it extremely difficult to get any local bank interested in returning our calls as we tried to navigate the mortgage process. I made the decision to contact Ed after seeing he had great referrals on Trulia. I can't over emphasize what a good decision we made. After contacting Ed, I had a response in less than 24 hours and we immediately scheduled a meeting. Ed did an amazing job of helping us understand the process and then getting us prequalified in short order. Ed called me and stayed in contact with me throughout our search for a home which we found to be quite comforting. He answered phone calls and returned emails as I had questions no matter the time of day or night and weekends were not excluded. Once we signed a contract, he made every aspect of closing on our home a pleasant experience. I remain completely in awe of the level of professionalism and integrity that Ed displays on a daily basis. As long as we live in Northwest Indiana, I wouldn't consider doing business with anyone other than Ed.

Andrew N. (Buyer)

Ed was a pleasure to work with on the closing of a transaction we had this year. He was very clear, knowledgeable, and knew how to get the loan done. He worked well to communicate with me / seller to ensure all would go very smoothly with our closing. I would recommend Ed anytime for your lending needs.

Jason M. - Realtor at Realty Executives

Ed is outstanding from the first step of the lending process until the last. He treats his clients like family and because of this he makes lifelong friends. I am highly impressed with his professionalism and positive outlook.

Todd J. – Realtor at Bart Vickrey Real Estate

Ed is a good lender who is always up to date with the most current information. He's great to work with. I will definitely be using him in the future. Thank you Ed for getting things done that others can't.

Brent W. – Realtor at McColly Real Estate

Ed goes above and beyond for all his clients. He is extremely professional and will do whatever it takes to get the deal done. Even on the smallest deals he treats all clients equal and will do his personal best to make sure the deal gets to the closing table, even when others give up he will find a way to make sure it happens. I would recommend Ed to all buyers and to all other Real Estate agents out there.

Sue K. – Realtor at McColly Real Estate

Edward provided the best possible service for my listing. I would recommend anyone to use him and his services. Thank you for all your hard work and making the process so easy.

Amelia L. - Realtor at Home Connection Realty

Ed has stayed with us since day one to get us into our house. It was a process and he never gave up or got frustrated with us. We are all settled into our new home and I couldn't be more grateful for all of his help. He is the best and I highly recommend him. I am so glad to be able to have my own home and Ed and our realtor Melissa were the best team!!

The Belinsky Family (Buyers)

Ed is the man, not only did he get my loan processed and closed in 15 days but he was also easily accessible and had extensive knowledge of the home buying process. I would highly recommend enlisting Ed for any purchase, refinance or other home related inquries.

Kris W. (Buyer and Realtor at Bart Vickrey Real Estate)

Working with Ed was a great experience! He always made himself available and answered all of our questions, big or small. Getting a mortgage can be very overwhelming, but we felt in the loop through the entire process, and our situation was pretty unusual! We would definitely work with Ed in the future and recommend him to our friends and family.

Cynthia L. (Buyer)

Ed helped us over a year and a half with guidance in our credit background and was always available to answer any questions we had, as being first time home buyers. Once we qualified, he was quick and always ahead! Thanks again Ed! Your amazing! Referring you always!

The Ratigan Family (Buyers)

We had just recently purchased a home with the help of Ed Stojancevich and A&M Mortgage. He was there every step of the way in order to make this experience easy for us. He made himself readily available if we had questions or concerns involving the house buying process. I definitely recommend working with Ed!

Jaime P. (Buyer)

Eddie was there to help us when we needed to find a house. He was always there to answer questions and helped us out a lot! I recommend his services to everyone.

The Burke Family (Buyers)

Our experience with purchasing was so easy with the help of Ed along the way. He was professional, fast, efficient, readily available and great with communication. We closed on our home way before our expected closing date and Ed closed our loan in less than 30 days! I would recommend him to anyone I know.

Brian L. and Jeanine S. (Buyers)

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