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U.S. Toll-Free:
1.877.GADISH.1

In the Los Angeles Area: 
1.310.497.1233

Email Us and we will respond promptly.

Gadish Financial is an Approved CalPERS Lender
CalPERS California Teacher Home Loans

Gadish Financial is a CalSTRS Loan Provider

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Privacy Policy

Our Privacy Pledge

 

Gadish Financial recognizes the importance to you of keeping your information secure and confidential. We will not sell or share nonpublic personal information about you with third parties either outside or within our corporate family except as explained in this Privacy Policy. This Privacy Policy covers personally identifiable information about current and former customers who obtain financial products or services from us.  

This Privacy Policy is provided as required by the Federal Financial Privacy Law.

Categories of Information We May Collect

We will collect personal information about you when you wish to obtain financial products and services from us.  The following types of data may be collected:

  • Information you provide on applications, forms, and other information that you provide to us, whether in writing, by telephone, in person, electronically or by any other means. Such information may include your name, address, employment, income, assets, credit, and other household and identifying information.
  • Information about your transactions with us, our affiliates, and others. This information may include account balances, payment history, and account usage.
  • Information collected with your authorization from consumer reporting agencies or other companies, which may include, for example, information regarding your creditworthiness or credit history.
  • Other sources which may include, for example, verification of your employment history, credit balances, property insurance coverage or other representations made by you.
  • Information gathered on our websites through online forms, site visit data and online information collecting devices such as “cookies”.

The collection of this information may occur at various times while you have an account relationship with us. Our goal is to maintain accurate and complete customer information.

How We May Use Your Information

Sharing Information Outside the Gadish Family of Companies


We may share all of the information we collect about you, as described above, with companies outside of the Gadish Family of Companies who perform marketing services on our behalf or with other financial institutions with which we have joint marketing agreements. We may also share information with companies outside of the Gadish Family of Companies as permitted by law, such as to respond to a subpoena or court order, to prevent fraud or to comply with an inquiry of by a government agency.

We will not sell your personal information and we will not permit third parties, with whom we legally share your personal information, to sell, market, or resell your personal information.

Sharing Information Within the Gadish Family of Companies


We may share transaction and experience information about you, including identifying information such as your name and address, payment history, consumer credit report information, and other information permitted by law, within the Gadish Family of Companies.  By sharing that information we can better serve your financial needs.  We will notify you of products and/or services that may interest you.  You can tell us not to share certain credit reporting information with our affiliates, such as creditors with whom you recently applied for credit.  We’ll continue to share this information with our affiliates as it is allowed by law.

Your Privacy Choices

You may make your privacy choice(s) at any time. Your choice(s) will remain effective until you state otherwise. However, if we do not hear from you we may share your information with our affiliated companies. To exercise your choices, call us at (310) 497-1233.

Former Customers

If you were, but are no longer, our customer, the policies and practices described in this Privacy Policy will apply to you except as stated below in the section on “Additional Rights and Modifications.”

Safeguarding Your Information

Access to customer information is restricted to personnel who need the information to perform their job responsibilities. We periodically review our security standards, procedures, and technology to protect unauthorized access to your confidential information, which complies with applicable federal standards to protect nonpublic personal information.

Additional Rights and Modifications

You may have other privacy protections under state law. We will provide notice of our Privacy Policy to you annually, as long as you maintain a customer relationship with us. We reserve the right to change this Privacy Policy in any respect at any time, and we will inform you of changes as required by law.
 

Special Notice to California Residents

The information sharing practices described above are designed in accordance with federal law. California law places additional restrictions on sharing information about California residents, as long as they remain California residents. If you are a California resident, you have the right to control if we share your personal and financial information with our affiliated companies and other companies we do business with to provide you with options for financial products and services. These choices are made while exercising YOUR PRIVACY CHOICES above.

Identity Theft Information

If you believe you may be a victim of identity theft with regards to a Gadish Financial transaction, please submit your written statement to 5482 Wilshire Blvd., Suite 1612, Los Angeles, CA  90046. If you already filed a report with a law enforcement agency, please include a copy of the report with your correspondence. Additional information from you may be requested.

This Privacy Policy applies to Gadish Properties, Inc., an affiliated company.  It is effective as of March 1, 2007.

If you have any questions about this policy, please contact us at 310-497-1233.

WHAT'S NEW

1st Time Homebuyer Program

The 1st Time Homebuyer Program provides qualified buyers with down payment and closing cost assistance as part of a government program.   To find out if you qualify send us an email with your email address, annual income, and zip code, and we will notify you of your eligibility status.

Single Loan File – Lower Your Payments by Refinancing

Do you have a 2nd mortgage?  With the new single loan file, there’s no need to avoid paying mortgage insurance by obtaining a 2nd loan.  Find out how you can roll your mortgage insurance into the interest rate of your first loan to make it tax deductible, and have your lender pay for it!   To get up to the minute information on new mortgage products email us with your contact information.

Lender Paid Mortgage Insurance Lowers Your Payments

The Lender Paid Mortgage Insurance program features dramatically discounted premiums. The lender usually recoups the cost of the premium by building it into the loan interest rate, making it tax deductible. This structure usually results in a lower or very competitive monthly payment when compared to a second mortgage.

Benefits of lender paid mortgage insurance and a single loan:

Simplify the mortgage process with only one loan, one payment.

Reduce closing costs.

Eliminate mortgage insurance payments.

Provide maximum tax deductibility.

Eliminate the risk of monthly payment increases associated with adjustable seconds.

Make it easier to tap into home equity later.

Make it easier to refinance.

Mortgage Insurance 100% Tax-Deductible

Congress recently passed legislation that allows mortgage insurance premiums to be tax-deductible on purchase and refinance loans closed on or after January 1, 2007.

Mortgage insurance premiums will be 100% deductible for households whose adjusted gross income is $100,000 or less.

The law is effective for the 2007 tax year on loans closed on or after January 1, 2007.
 

2005-2007 © Gadish Properties, Inc.  Does business as Gadish Financial.  All rights reserved.  Read Legal policy and Privacy policy.


Gadish Properties, Inc. is an equal housing lender.  Licensed by the Department of Real Estate Broker, License number 01505675