About-Us

Who We Are...

As an independent mortgage broker with multiple national funding partners, I am able to secure for you a very competitive interest rate with little or no lender fees !!! And in addition to great rates on conventional loans and jumbo loans.

By selecting Century Home Lending you won't have to deal with layer of people, either- just me. I will personally handle your mortgage loan from start to finish, close it in 30 days or less, and do it all for lower rate and for less, less, and less fees than you're likely to find somewhere.

At Century Home Lending, we ensure that our clients' benefit is top priority. We make sure our clients are completely satisfied by offering extraordinary service, lower rate and little or no closing cost for your home loans.

Thank you for considering Century Home Lending for your home loan. Having arranged mortgage financing for over many years, I take great pride in knowing that I can offer the best terms possible for you. People come to Century Home Lending for lower interest rates, very low lender fees, and personal service offered by me and my staff.

"Your Satisfaction Is Our Business"

CA Department of Real Estate License #01739645. Century Home Lending is a DBA of Choicelend.com. 12362 Beach Blvd Suite 20 Stanton, CA 90680

We authorize you to view and print information on this website subject to it being used for personal, informational and non-commercial purposes. We don't authorize any automated "scraping"our data

including rates from our pricing engine. It is our intention that data or information provided on a subject is of a general nature. The information on our website does not intend to constitute legal or financial advice. Prior to making any decision on refinancing or home purchase we recommend you to contact your tax or legal advisors. The content of this site is copyrighted and therefore any unauthorized use of any materials on this website may violate copyright, trademark, and other laws.

Main Office

12362 Beach Blvd. Ste 20

Stanton, CA 90680

Phone: (714) 251-7747

Email: info@centuryhomelending.com

Hours of Operation

Local: Mon - Sat: 10:00AM - 6:00 PM

24-7 Service Online!

Your Satisfaction is Our Business

For Free Quote Call

714-251-7747

Home Loan, Refinance, FHA Loan.

YOUR PRIVACY IS IMPORTANT TO US

When you provide personal information in order to process your transaction, you fully expect your data to be used only for its intended purpose and to be kept confidential. We respect your right to confidentiality and take every possible measure to ensure that your personal information remains confidential. We are committed to protecting the security of any and all personal information provided to us. We do not use your personal financial information for any purpose other than to process and render a decision regarding your loan application. We will not sell, rent or trade your personal information to any other company or affiliate.

OUR PRIVACY DISCLOSURE POLICY
   
Categories Of Information That We May Collect
 We collect nonpublic personal information about you from the following sources:
     * Information we receive from you on your application or other forms such as your name, address, age, gender, marital status, social security number, income, employment information, assets, debts, and income.
     * Information about your transactions with us, our affiliates, or others, such as your account balances, the appraised value of the subject property, payment history, and status of your property taxes.

* Nonpublic Personal Information and Affiliates
We do not disclose nonpublic personal information we collect as described above with our
 affiliates.

*Confidentiality and Security
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

We have policies and procedures to protect your information. All employees undergo orientation and communications programs to ensure that your information is protected. Employees are expected to comply with our policies.

We restrict access to your nonpublic personal information to persons with a legitimate business need to know the information in order to process your loan. We require third parties doing business with us to comply with all privacy and security laws. We maintain physical, electronic and security safeguards to guard your information.

*Internet
In order to guard against the unauthorized access and use of information that you provide to us on the internet, our site has secure server software (SSL). As such, there is a secure connection between you and Century Home Lending, The information that we collect on the internet is used internally only and is not shared with any other organizations or affiliates.

CENTURY HOME LENDING PRIVACY POLICY

This notice is provided to you pursuant to the Privacy of Consumer Financial Information Act and the Federal Trade Commission's implementing regulation thereunder, 16 CFR Part 313.
   1. Collection Sources;
  We collect nonpublic personal information about you from the following sources:
  *Information we receive from you on applications or other forms;
  *Information about your transactions with us, our affiliates, or others; and  
  *Information we receive from a consumer reporting agency.
   2. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.
   3. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide the requested loan origination services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
 Contact us:
 Century Home Lending,
 12362 Beach Blvd Ste 20
 Stanton, CA 90608

*Security Policy
Century Home Lending is committed to protecting the personal information and privacy of our customers. This statement is one way of sustaining trust in our company, our products, and our services.

*Privacy
Our Online Privacy Statement describes how we collect, protect and use customer information either during a visit to our Website or as a Century Home Lending customer.
 Information We Collect during Online Visits

*Website Visitors
During a customer's visit to our Website, we may collect and store information about the online visit. This information may include the time and length of the visit, the pages viewed on our site, the last site visited before coming to ours, and the name of the customer's internet service provider.

We use this data on an aggregate basis to measure site activity, and on an individual basis to make the site more useful and provide information that may be of most interest to the customer.

*Web Applicants Only Information collected about web applicants is used and shared in accordance with our customer privacy notice and practices noted on the Website. A web applicant may use the site to provide information about themselves while completing an online contact form.

SECURITY STATEMENT

* Cookies
We may use Web cookies for security purposes to recognize the Website user. We may also make use of Web cookies or similar data on certain parts of our Website for fraud prevention and other purposes.

*Timed logout
Certain portions of our Website are protected with a timed-logout feature. This can help protect the customer's information from being viewed or used by others if the user's computer becomes unattended.

*Encryption
We use encryption to protect customer information as it travels across the Internet. This can help prevent others from eavesdropping on the browser sessions with our Web servers. The database systems employ the latest mandated encryption methods for the transmission and storage of customer account data. Most traffic that is external to Century Home Lending using VPN is encrypted using ESP 3DES HMAC SHA1. Other VPN traffic is encrypted using IKEv2 temporal key mechanisms to safeguard transmitted data. The internal database structure of Century Home Lending's stored customer data is using 3DES encryption for the sensitive fields of data. All lead data is gathered using SSL-128 encryption.

*Firewalls
Our Website is protected with firewall technology, which can help prevent customer information and our Website from being improperly accessed. This technology employs perimeter and local antivirus, anti-spyware, and intrusion prevention techniques. The hardware used for this purpose is updated multiple times daily with the latest known definitions of these malicious attacks. The Sonic wall PRO 4060 devices use the latest wire-speed UTM solutions to safeguard attacks from within the networks of Century Home Lending as well as external networks trying to communicate to Century Home Lending.

*Surveillance
Certain portions of our Website and internal network are monitored by advanced surveillance and logging technologies. These technologies can help to ensure that both customer information and our Web servers are protected from compromise. All web, email, and internal networking transactions are monitored using multiple logging solutions including but not exclusive to, Kaseya event monitoring, sonic wall email security monitoring, and SGMS sonic wall network connection logging. These devices scan, protect and report on certain data based on use policy as well as malicious attack attempts. All lead transactions, as well as customer data accesses, are logged on a per-user basis with a time-stamp. Reports can be generated for all of these products.

INFORMATION COLLECTION AND SHARING PRACTICES FOR EXISTING CUSTOMERS

* Existing Customer
Information collected by Existing Customers and how it may be disclosed is contained in our Privacy Notice, which includes additional information regarding their privacy choices.
An example of the information collected from Existing Customers would be Date of Loan Application or Property Address. We also collect personal information from other sources, such as Credit Bureaus, Affiliates, and Employers.

* Information We Share About Our Existing Customers
We may collect and subsequently share customer information to:
 Run our everyday business
 Respond quickly to customer needs
Help us communicate with our customer
Evaluate eligibility for additional products and services that may be of interest to the customer

*What We share?
 We may share personal information that includes, but is not limited to:
 Name, address, and other account application information
Account balances, transactions, and payment history
Creditworthiness including credit history and credit score.

*With Whom We share?
 We disclose some of the information we collect to third parties such as credit reporting agencies, regulators and loan investors. These types of third parties are called non-affiliated third parties.
 We may also share some of this information with companies performing services on our behalf such as the vendor who prepares and mails our loan documents. These types of vendors are called service providers.
 We may share information we collect with companies with whom we have formal agreements to offer financial products and services to the customer. These types of relationships are called joint marketing partnerships or arrangements.
Finally, we may share information we collect with companies related by common control to offer products and services that may be of interest to the customer. These types of companies are called affiliates.

*Benefits of sharing
We need to collect and share information about our customers to help us communicate with them. We also may share customer and former customer information within our Century Home Lending family and with valued partners (our employees) to evaluate eligibility, offer and recommend valuable products and services that may be right for the customer.

Customer Information Sharing Choices/Opt-Out

* Federal Law
Federal law requires us to disclose how we collect, share, and protect personal information about our customers. While Federal law allows us to share customer information in order to maintain our business, perform services and offer our products, Federal law also gives consumers the right to limit some, but not all, sharing of personal information. Specifically, Federal law allows consumers to opt-out and restrict us from sharing information as follows:
 About customer creditworthiness with our affiliates. To non-affiliates to offer their products and services
    * State Laws
 State laws may offer additional rights regarding our information sharing limitations.
 We share personal information as permitted by the law of the state in which our customers reside and in accordance with federal law. Customers of Century Home Lending receive our Privacy Notice during the loan process and receive our updated annual Privacy Notice each year they continue to be a customer.
Customers can limit us from sharing their information as permitted by law and as described in our Privacy Policy at any time by advising us of their Opt-Out and information sharing choices by calling 800-649-2272. Customers may notify us of their choices at any time.

*Customer Data Protection
 We are a company committed to securing personal information and protecting the privacy of our customers. We use security measures that comply with federal law including assessing risk and using reasonable controls to protect customer information
Our company culture is to treat customer information the way we would want our own information treated. We train employees on handling and securing customer data to maintain a culture of protection and security and require our Loan Officers and processing staff to sign a Confidentiality Agreement addressing specific data security and the protection of customer information. It is the responsibility of every associate, affiliate, and non-affiliate to care for personal information about our customers.
 Each Century Home Lending associate with access to customer information is screened for any pre-existing criminal record prior to gaining access to any customer information. To prevent unwanted access to company controlled documentation and information systems, access to the executive suite and sales floor is restricted to authorized employees only and controlled using an electronic entry system.
Our information network is designed to comply with the latest data protection protocols, updated on a regular basis. Each desktop computer unit is password and firewall-protected to ensure the utmost security. All accounts are monitored to prevent unauthorized transmission or access from both internal and external sources.

*Correcting Information
 We are committed to maintaining accurate and up-to-date information on all of our customers. We may provide customers with access to account information in different ways, for example, over the telephone, online or on paper.

How to contact us regarding your account?

U.S. Mail:
Century Home Lending 
12362 Beach Blvd Ste 20
Stanton, CA 90680
 
 Questions about this Online Privacy Statement may be sent via email to:
Email: info@centuryhomelending.com

IDENTITY THEFT / FRAUDULENT ACTIVITIES

Identity Theft/Fraud
Identity Theft occurs when someone uses sensitive information, called Personally Identifiable Information (or PII) of another person without their permission to commit fraud or other crimes, such as Account Takeover or Application Fraud. [Account Takeover has occurred when an individual acquires another person's existing credit account information and purchases products and services at the victim's expense. Application Fraud has occurred when an individual uses another's Social Security Number or other Personally Identifiable Information to open new credit accounts in the victim's name.]
 In a concerted effort to prevent Identity Theft / Fraudulent Activities, Century Home Lending employs the use of Authentication/Cross Check Reports provided by the risk management company. This service provides authentication and cross-checks based on all variations of the Customer's Name, Address, Social Security Number, Date of Birth and Phone Number in order to prove or disprove the identity of the customer. Additionally, the data is compared to all Federal and Credit watch lists to ensure compliance with the FACT Act.
 If our customers believe they may be a victim of Identity Theft, they are advised to contact the three major credit bureaus to place a fraud alert message on their credit file.
Experian (1-888-397-3742)
 Equifax (1-800-525-6285)
 TransUnion (1-800-680-7289)
 Century Home Lending customers are advised to carefully review their credit reports for accounts they did not open, inquiries from creditors they did not initiate, and for personal information (such as home address and social security number) that is not accurate. If they see anything they do not understand or any accounts they did not open, they are advised to call the credit reporting agency at the telephone number on the report.
 If they decide not to place a fraud alert on their credit file, they can still obtain free copies of their credit report by going to the following Annual Credit Report Website (www.annualcreditreport.com) or by calling them toll-free at 1-877-322-8228. (Hearing impaired customers can access their TDD service at 1-877-730-4204.

To learn more about identity theft, visit the Federal Trade Commission's Website to receive further information and insights about how to protect one's identity from identity thieves.
 Identity Theft Hotline: 877-438-4338

LEGAL

CA Department of Real Estate License #01739645 NMLS # 292770

Century Home Lending is a DBA of Choicelend.com

12362 Beach Blvd Suite 20 Stanton, CA 90680

We authorize you to view and print information on this website subject to it being used for personal, informational and non-commercial purposes. We don't authorize any automated "scraping" of our data including rates from our pricing engine.

It is our intention that data or information provided on a subject is of a general nature. The information on our website does not intend to constitute legal or financial advice.

Prior to making any decision on refinancing or home purchase we recommend you contact your tax or legal advisers.

The content of this site is copyrighted and therefore any unauthorized use of any materials on this website may violate copyright, trademark, and other laws.