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Joe Stiles
RMLO NMLS 218722

o: 281.381.1414
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105 Hunters Lane , Suite 106
Friendswood, TX 77546
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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

15 years experience as a mortgage loan officer and branch manager.


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Testimonials

Joe Stiles walked us through our home financing process with patience and attention to detail. He was available to us for questions and provided honest feedback. We appreciate Joe and his diligence to see us through this potentially overwhelming step into home ownership. We highly recommend Joe Stiles!

Bo & Laurie T.

A big thank you to Joe Stiles who was so helpful in our recent home-buying experience. He was very pleasant to work with and made the process enjoyable with his friendly, humorous manner. We found him to be very knowledgeable as he helped us navigate through this process successfully. His helpful guidance enabled us to hit our target closing date. Thank you Joe.

Jay and Kathy S.

Joe Stiles had been nothing less than wonderful during my loan process. He helped me purchase my first home and it closed in less than 30 days. He's definitely a notable person to work with.

LaShawnda J.

As a first time home buyer I was worried. I've heard horror stories of how stressful of a process it can be. Joe was GREAT! He was always ahead of the game. He gave good pointers of what I could do to help things run smoothly. He truly made buying my first home that much more enjoyable of an experience. Thanks Joe!

Rachael M.

We have refinanced our home many times. Joe Stiles is the best loan expert we have come across in this crowded market place. He takes great care of his clients by following thru his commitments. I would recommend Joe to anyone who needs a mortgage loan.

Satish & Uma S.

It was a long arduous road to travel, on the journey to owning my new home. I could not have asked for a better companion than Joe Stiles.There were points I was ready to throw in the proverbial towel. Joe's assurances that everything would work out, were comforting. With so much new regulation, it is so important, now more than ever, to work with a Professional who knows all the ins and outs of the mortgage process. Thank you Joe!

Brian D.

My wife and I recently closed on the purchase of our home, needless to say one of the most important decisions in life and at the same time one of the most stressful experiences to go thru. However we were very lucky in having worked with Joe Stiles to secure our mortgage loan. Mr. Stiles was very professional, very knowledgeable and also very patient in explaining everything we needed to understand, while at the same time very mindful of timelines to meet and keeping us informed at all times. I would certainly work with Mr. Stiles again and would verify his excellent professionalism and industry knowledge to anyone who is looking to secure a Mortgage Loan.

Michael & Vicki

After my divorce I had to refinance my house to put it solely in my name. Mr. Stiles helped me out by walking me through all the necessary steps. He was very patient and willing to work with me to get the best possible refinance that I was able to get.

Alex L.

A little over 10 years ago, Joe Stiles guided us through the process of buying our dream home. This year, he walked us through re-financing our home and made it painless. We appreciate his attention to the details, which made it all possible. Joe brings a personal touch and really cares about his clients

Tom & Amanda S.

During a stressful time in becoming a new home owner, Joe Stiles was there to help me through out the whole process. He was very knowledgeable and had great advice along the way. He instilled a confidence and reassurance in me that I'm afraid another lenders may not have taken the time to do. I am now loving my new home and could not have done it without him. I have already recommended him to several friends and co-workers!

Audrey C.

If you are looking for a trustworthy, economical and fast loan expert, look no more because you have just found him. Joe Stiles, a man of integrity and commitment to his clients, as well as the most patient man is a phone call away. As this is my 1st time buying a home I was clueless to most of the process but his detail oriented self got me through this process with much confidence. Thanks Joe! You did an outstanding job of getting my loan process done and I appreciate you so much. You have helped make my dream come true!!

Hannah H.

Tom and I cannot being to thank you enough for making our mortgage process so painless. To be honest, I was dreading that part of our move as we're both so busy and it's so time consuming. But your professionalism and thoroughness were evident throughout the process and resulted in a seamless closing. We really appreciate you and your guidance!

Jennifer & Tom L.

Joe Stiles and the team at Premier Nationwide Lending are great to work with. Joe and the team were there for me throughout the whole process. If anything arose they jumped right on it and that helped the loan process move along very smoothly. I would highly recommend Joe Stiles and the PNL team to anyone!

Travis G.

Buying a new home in the right area takes a lot of time and research. Getting our loan approved was the easiest part of this major transition because Joe Stiles was quick, efficient and flexible to meet our needs. Not to mention he got us a super low interest rate. He showed up at closing with a gift for me! I felt like we should have had a gift for him!! Thank you Joe Stiles!

Anji & Josh M.

Joe Stiles came highly recommended and rightfully so. Joe's expertise and attention to our needs provided us with the confidence and competency needed in the complicated world of financing a property. With Joe's help we not only purchased a house but a home

Rene & Eleanor

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