Libra Enterprises, LLC dba Construction Financial Solutions Copyright 2019
Libra Enterprises, LLC dba Construction Financial Solutions is licensed under the laws of the State of Texas and by state law is subject to regulatory oversight by the Department of Savings and Mortgage Lending. Any consumer wishing to file a complaint against Libra Enterprises, LLC dba Construction Financial Solutions should complete, sign and send a complaint form to the Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78075. Complaint forms and instructions may be downloaded and printed from the Department's web site located at sml.texas.gov or obtained from the Department upon request by mail at the address above, by telephone at its toll-free consumer hotline at 1-877-276-5550, by fax at 1-512-475-1360 or by e-mail at email@example.com.
The Department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed 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 sml.texas.gov.
National Mortgage Licensing System Registry #1771431. Construction Financial Solutions is located at 18568 Forty Six Parkway, Suite 3002, Spring Branch TX 78070.
Lenders are required to provide the "Your Home Loan Toolkit", which has been provided by the Consumer Finance Protection Bureau created to comply with federal law pursuant to 12 U.S.C. 2604, 12 CFR 1024.6, and 12 CFR 1026.19(g). This is for all loan transactions effective 10/3/2015.
Libra Enterprises, LLC dba Construction Financial Solutions (CFS) has established a Privacy Statement because we are committed to protecting our customers' privacy.
When you ask to have your credit pulled by a mortgage company of your choice, the credit bureaus may then sell your name and personal information, including your phone number to as many mortgage companies who will pay them for your information. You then may get inundated with phone calls and mail by companies who have invaded your privacy.
The mortgage companies that treat your private information in this fashion call this type of practice "trigger leads". With this practice you can not be sure who your information is being sold to and for what purpose. To protect yourself from the credit bureaus selling your private and highly personal information to unknown people please visit: www.optoutprescreen.com.
The above website offers you the opportunity to withdraw your name and personal information from the list the credit bureaus will sell to any and all bidders.
The following discloses our collection of information and dissemination practices for Libra Enterprises, LLC dba Construction Financial Solutions. We may use the collection of information to communicate with you about new products and/or services that are offered and/or to fulfill a request by you for information. We collect nonpublic personal information about you from the following sources:
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.
We may share all the information that we collect, as described above, with our affiliates. By sharing this information, we can better serve your financial needs. If you do not wish for us to share this information with our affiliates you may contact us.
We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements:
We restrict access to nonpublic personal information about you to those employees who need to know the information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations in order to guard your nonpublic personal information.
We may also use the collection of information you provide for market research purposes, development of prospect lists and/or project planning.
To better improve or enhance our services to you, we may also collect and analyze aggregate information about our customers which does not reveal our customers' individual identities and/or preferences.
The Construction Financial Solutions website includes links to other websites. Those sites may have different privacy policies. If you click on to another website, you may want to check the privacy statement of that website as CFS is not responsible for the privacy statements of other websites.
Finally, we never sell, use, or share the personally identifiable information provided to us online in ways unrelated to the ones described above without also providing you an opportunity to opt-out or otherwise prohibit such unrelated uses.
Should you have other questions or concerns about these privacy policies, please call us at 830-438-4558 or send us an email at Loans@ConstructionFinancial.com.