With the average home value rising 6.5%* in the past year, now is the time to get the most out of your home's equity.
Whether you're looking to consolidate debt, start on home improvements, or just need extra cash, cash out refinancing can be the smart-money move.
This map shows the average change in home values by state from 2016 to 2017.
Source: Core Logic
The cap for the amount you can borrow is usually at around 80% of the home’s value. Here's a quick example:
$250,000 x 80% = $200,000
$200,000 - $150,000 (amount owed on mortgage) = $50,000
* https://www.forbes.com/sites/samanthasharf/2017/01/03/housing-outlook-2017-eight-predictions-from-the-experts/#783069bd7fa0
NMLS ID #1237615 | MB #0928735
8149 N. 87th Place, Suite 211, Scottsdale, AZ 85258
Varatelock.com Contact Information:
Suited Connector, LLC
Mortgage Rate Lock
8149 N. 87th Place, Suite 211
Scottsdale, AZ 85258
720-515-0370
You can also email us at info@suitedconnector.com
PLEASE READ THIS PRIVACY POLICY CAREFULLY. BY ACCESSING OR USING THE SITES OR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND TO ALL THE TERMS AND CONDITIONS OF THIS PRIVACY POLICY.
IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, PLEASE EXIT THIS PAGE AND DO NOT ACCESS OR USE THE SITES OR SERVICES.
1.0 Our Commitment to Privacy
a. Suited Connector, LLC respects the importance of applicant information security and personal privacy. Further, Suited Connector, LLC is committed to handling an applicant’s information in a secure environment. Therefore, we have made it a critical focus to protect the confidentiality and security of the personal information you provide us.
b. This Privacy Policy discloses the privacy practices of Suited Connector LLC, an Arizona limited liability company and its affiliates and subsidiaries, (collectively “Suited Connector”, “we”, “us”, “our”, or “Company”) and governs the use of the this website, or other Company products and services (collectively, the “Services”) by users of the Services (“you” or “your” ).
c. We have created this Privacy Policy to inform you about what information we collect, how we use and share your information, and our privacy practices.
2.0 The Information We Collect
a. We may collect two types of information: Personally Identifiable Information (“PII”) and Non-Personally Identifiable Information (“Non-PII).
b. PII- PII is information that identifies a specific user of the Services and is provided by the user.
1. When you engage in certain activities on the Services, such as when you register to use the Services, we may ask you to provide certain information about yourself that we will collect and store.
2. Depending on what activity you are engaged in, some of the information that we request will be identified as mandatory or as voluntary.
3. If you do not provide the mandatory information for a particular activity, you will not be permitted to engage in that activity.
4. We log Internet protocol (IP) server addresses for system administration purposes and catalog traffic patterns through the Sites. This information may or may not be linked to an applicant’s personal information at our discretion.
5. You do not have to engage in the activities in which we ask you to provide such information. But if you choose to do so, we may ask you to provide information, such as your first and last name, gender, email address or date of birth.
c. Non-PII: Non-PII is information that identifies your computer and its navigational patterns through the Services (but not a specific user).
1. We may automatically collect Non-PII information when you visit the Services, through the use of a variety of tools including cookies (small text files that are stored on a user’s computer for record-keeping purposes and which contain information about that user’s computer), or other available data analysis or collection technologies.
3.0 How We Use and Share Information
a. We use the information we collect to (a) provide, maintain, and protect the Services; (b) notify you of promotions, special events, new services and special offers, for example, through e-mails; (c) tailor our product offerings, customer service and overall experience; (d) improve the content, operation, appearance and utility of the Services; (e) conduct surveys, research and evaluations; (f) troubleshoot and resolve disputes; (g) gather demographic data and (h) accomplish other administrative tasks.
b. Third Parties: When you register with the Sites, you explicitly authorize us to share your information with our email marketing partners to contact you via email, SMS, telephone and/or direct mail. We may also share your information collected on the Services with our subsidiaries and other affiliated companies, and with other trusted vendors and business partners. Such business partners include companies who provide business services to us or on our behalf, such as to market products or services to you, monitor Services activity, help to maintain our customer database, and administer e-mails, surveys or other contests.
c. Opt-Out: If you decide that you are no longer interested in receiving sms or email communications from us, you may follow the instructions in our sms or emails to unsubscribe from our email list or by emailing us at: info@suitedconnector.com. If you wish to opt-out of disclosure and to be excluded from our mailing list, please email us at: info@suitedconnector.com.
d. Legal Compliance: We also reserve the right to disclose your information in good faith as required by law, in response to legal process including law enforcement requests, and with any person or entity that may acquire all or any part of our business or assets, in connection with any change in control of us, and where needed to prevent fraud and to protect the safety, property, or legal rights of users of the Services or our affiliates.
4.0 Unsubscribe, Opt Out or Revoke
a. You may revoke consent at any time for any use of PII collected from you under this Privacy Policy. To revoke consent, indicate by emailing us at info@suitedconnector.com with the word “revoke Personal Information” in the subject line.
5.0 Privacy Policies of Third Parties
a. This Privacy Policy only addresses the Services offered by us.
b. Other websites or services, such as those websites we provide links to, websites or services you may have clicked-on that directed you to the Services, or websites that may be accessible to you through the Services, have their own privacy policies regarding data collection, use and disclosure practices. If you visit any such website, we encourage you to review that website or service’s privacy policy.
c. We are not responsible for the policies or practices of third parties.
6.0 Editing and Requesting Your Information
a. We will permit you to change your profile settings. Even after you remove your information from your profile, copies of your information may remain viewable elsewhere to the extent it has been shared with others or it was copied or stored by other users. We may also be required to retain your information by law or for legitimate business purposes, such as to prevent identity theft or other misconduct.
b. We will permit you to request a copy of your PII that we have collected about you by emailing us at info@suitedconnector.com.
c. You can also correct factual inaccuracies in this information by emailing us at info@suitedconnector.com.
7.0 Storage and Security
a. We will retain PII, including user location information, only as long as our business needs require. We will then destroy or render unreadable any such information upon disposal.
b. We believe the security of your information is a serious issue and we are committed to protecting the information we receive from you. We use commercially reasonable security measures to protect against the loss, misuse and alteration of your information under our control.
c. Depending on site requirements, we may employ Secure Sockets Layer (SSL) encryption technology to transmit data between an applicant’s browser and our web server. To use our websites, an applicant will need an SSL-capable browser such as MS Internet Explorer 4.0 (or higher) or Netscape Navigator 4.0 or higher.
d. We require that affiliated partners handle applicant information under confidential conditions.
e. Notwithstanding such security measures, please be aware that no security measures are perfect or 100% secure, and we cannot guarantee the security of any information transmitted to or from the Services.
d. We also are not responsible for the actions of any third parties that may receive any such information.
8.0 Minors and Privacy Issues
a. Children’s Online Privacy Protection Act- This site is intended to be used by people the age of 18 and older. We do not knowingly allow any users under the age of thirteen to use our service. However, if you become aware of the existence of a user who is under the age of thirteen, or that an individual under thirteen has provided their information to us, contact us immediately with details at info@suitedconnector.com. If you have been reported as being below thirteen by another person, we may request that you verify your age to us, including providing us a copy of your photo ID as a condition of your continued use of our service.
b. No part of the Services is designed to attract anyone under the age of 18.
c. Children under the age of 18 may not use the Services.
d. If you are a parent or guardian and believe that your child under the age of 13 has provided personal information to us, you may contact us to request this information be deleted.
e. California Privacy Rights-We permit residents of the State of California to use its Service, and complies with the California Business and Professions Code §§ 22575-22579. If you are a California resident you may request certain information regarding our disclosure of personal information to any third parties for their direct marketing purposes. Various provisions throughout this Privacy Policy address requirements of the Californian privacy statutes. In summary, you must presume that we collect electronic information from all visitors. You may contact us at info@suitedconnector.com with any questions.
9.0 Specific Industry Disclaimers
a. Financial Services- Please note that we are not a mortgage lender, debt servicer, debt settlement, real estate company, insurance agent, auto sales company or automotive warranty organization. This is not, and is not intended to be, any type of application for any financial product.
i. Our sites use short forms which enable you to be matched with one or more companies within our network. In order to be contacted, an applicant must complete a financial services request by completing an application located on one of our sites.
ii. Once you have completed this expression of interest (or information request form), your information will be sent to our participating companies. Our application technology will match a consumer with one to four companies within our network.
iii. You agree to share your information with Secure Rights and up to 4 of its Premier Partners and for them to contact you (including through automated means; e.g. autodialing, text and pre-recorded messaging) via telephone, mobile device (including SMS and MMS) and/or email, even if your telephone number is currently listed on any state, federal or corporate Do Not Call list. To participate in this service without authorizing the use of an automated dialer, please call (877) 897-0614. Secure Rights Privacy Policy. Secure Rights Licenses. NMLS: 3175. In the event that you are matched with one of our partners outside of the Secure Rights network, you agree to allow us to share your information with any Suited Connector, LLC partner or affiliate who can help you with the product or service that you have requested more information about.
iv. In most cases, a company will contact a consumer regarding requests within 24 hours. There is no fee charged or billed to an applicant by us for the above service.
v. A company may utilize an applicant’s information submitted at one of our Sites. In addition, a company may use this information to evaluate an applicant’s eligibility, process an application or initiate and close a transaction. Many companies have proprietary privacy policies regarding dissemination of personal information.
vi. Licensed organizations are subject to Federal and State laws and regulations that for their practices. We have no direct control over information handling practices within our network. However, we require companies within our network to refrain from disclosing confidential consumer information to third parties that are not affiliated with the application process.
10.0 Changes to Privacy Policy
a. We may change this Privacy Policy at any time. The revised Privacy Policy will be effective immediately when posted on the Services.
b. It is the responsibility of each user to review the Services and the Privacy Policy to learn of any revisions to this Privacy Policy.
c. Your continued use of the Services after the effectiveness of such revisions will constitute your acknowledgment and acceptance of the terms of the revised Privacy Policy.
d. If a change would authorize the use of your PII for a new or materially different purpose, then we will send you an email notification.
11.0 Contact Information
a. If you have any comments or questions regarding our Privacy Policy, or to report abuse of any PII collected under this Privacy Policy, please email us at info@suitedconnector.com or write to us with your specific instructions at: Suited Connector, LLC / Mortgage Rate lock - Attention: Consumer Services, 8149 N 87th Place, Suite 211, Scottsdale AZ 85258.
b. For more information about protecting your privacy, you may wish to visit: http://www.ftc.gov.
PLEASE READ THIS PRIVACY POLICY CAREFULLY. BY ACCESSING OR USING THE SITES OR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND TO ALL THE TERMS AND CONDITIONS OF THIS PRIVACY POLICY.
IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, PLEASE EXIT THIS PAGE AND DO NOT ACCESS OR USE THE SITES OR SERVICES.
1.0 Our Commitment to Privacy
a. Suited Connector, LLC respects the importance of applicant information security and personal privacy. Further, Suited Connector, LLC is committed to handling an applicant’s information in a secure environment. Therefore, we have made it a critical focus to protect the confidentiality and security of the personal information you provide us.
b. This Privacy Policy discloses the privacy practices of Suited Connector LLC, an Arizona limited liability company and its affiliates and subsidiaries, (collectively “Suited Connector”, “we”, “us”, “our”, or “Company”) and governs the use of the this website, or other Company products and services (collectively, the “Services”) by users of the Services (“you” or “your” ).
c. We have created this Privacy Policy to inform you about what information we collect, how we use and share your information, and our privacy practices.
2.0 The Information We Collect
a. We may collect two types of information: Personally Identifiable Information (“PII”) and Non-Personally Identifiable Information (“Non-PII).
b. PII- PII is information that identifies a specific user of the Services and is provided by the user.
1. When you engage in certain activities on the Services, such as when you register to use the Services, we may ask you to provide certain information about yourself that we will collect and store.
2. Depending on what activity you are engaged in, some of the information that we request will be identified as mandatory or as voluntary.
3. If you do not provide the mandatory information for a particular activity, you will not be permitted to engage in that activity.
4. We log Internet protocol (IP) server addresses for system administration purposes and catalog traffic patterns through the Sites. This information may or may not be linked to an applicant’s personal information at our discretion.
5. You do not have to engage in the activities in which we ask you to provide such information. But if you choose to do so, we may ask you to provide information, such as your first and last name, gender, email address or date of birth.
c. Non-PII: Non-PII is information that identifies your computer and its navigational patterns through the Services (but not a specific user).
1. We may automatically collect Non-PII information when you visit the Services, through the use of a variety of tools including cookies (small text files that are stored on a user’s computer for record-keeping purposes and which contain information about that user’s computer), or other available data analysis or collection technologies.
3.0 How We Use and Share Information
a. We use the information we collect to (a) provide, maintain, and protect the Services; (b) notify you of promotions, special events, new services and special offers, for example, through e-mails; (c) tailor our product offerings, customer service and overall experience; (d) improve the content, operation, appearance and utility of the Services; (e) conduct surveys, research and evaluations; (f) troubleshoot and resolve disputes; (g) gather demographic data and (h) accomplish other administrative tasks.
b. Third Parties: When you register with the Sites, you explicitly authorize us to share your information with our email marketing partners to contact you via email, SMS, telephone and/or direct mail. We may also share your information collected on the Services with our subsidiaries and other affiliated companies, and with other trusted vendors and business partners. Such business partners include companies who provide business services to us or on our behalf, such as to market products or services to you, monitor Services activity, help to maintain our customer database, and administer e-mails, surveys or other contests.
c. Opt-Out: If you decide that you are no longer interested in receiving sms or email communications from us, you may follow the instructions in our sms or emails to unsubscribe from our email list or by emailing us at: info@suitedconnector.com. If you wish to opt-out of disclosure and to be excluded from our mailing list, please email us at: info@suitedconnector.com.
d. Legal Compliance: We also reserve the right to disclose your information in good faith as required by law, in response to legal process including law enforcement requests, and with any person or entity that may acquire all or any part of our business or assets, in connection with any change in control of us, and where needed to prevent fraud and to protect the safety, property, or legal rights of users of the Services or our affiliates.
4.0 Unsubscribe, Opt Out or Revoke
a. You may revoke consent at any time for any use of PII collected from you under this Privacy Policy. To revoke consent, indicate by emailing us at info@suitedconnector.com with the word “revoke Personal Information” in the subject line.
5.0 Privacy Policies of Third Parties
a. This Privacy Policy only addresses the Services offered by us.
b. Other websites or services, such as those websites we provide links to, websites or services you may have clicked-on that directed you to the Services, or websites that may be accessible to you through the Services, have their own privacy policies regarding data collection, use and disclosure practices. If you visit any such website, we encourage you to review that website or service’s privacy policy.
c. We are not responsible for the policies or practices of third parties.
6.0 Editing and Requesting Your Information
a. We will permit you to change your profile settings. Even after you remove your information from your profile, copies of your information may remain viewable elsewhere to the extent it has been shared with others or it was copied or stored by other users. We may also be required to retain your information by law or for legitimate business purposes, such as to prevent identity theft or other misconduct.
b. We will permit you to request a copy of your PII that we have collected about you by emailing us at info@suitedconnector.com.
c. You can also correct factual inaccuracies in this information by emailing us at info@suitedconnector.com.
7.0 Storage and Security
a. We will retain PII, including user location information, only as long as our business needs require. We will then destroy or render unreadable any such information upon disposal.
b. We believe the security of your information is a serious issue and we are committed to protecting the information we receive from you. We use commercially reasonable security measures to protect against the loss, misuse and alteration of your information under our control.
c. Depending on site requirements, we may employ Secure Sockets Layer (SSL) encryption technology to transmit data between an applicant’s browser and our web server. To use our websites, an applicant will need an SSL-capable browser such as MS Internet Explorer 4.0 (or higher) or Netscape Navigator 4.0 or higher.
d. We require that affiliated partners handle applicant information under confidential conditions.
e. Notwithstanding such security measures, please be aware that no security measures are perfect or 100% secure, and we cannot guarantee the security of any information transmitted to or from the Services.
d. We also are not responsible for the actions of any third parties that may receive any such information.
8.0 Minors and Privacy Issues
a. Children’s Online Privacy Protection Act- This site is intended to be used by people the age of 18 and older. We do not knowingly allow any users under the age of thirteen to use our service. However, if you become aware of the existence of a user who is under the age of thirteen, or that an individual under thirteen has provided their information to us, contact us immediately with details at info@suitedconnector.com. If you have been reported as being below thirteen by another person, we may request that you verify your age to us, including providing us a copy of your photo ID as a condition of your continued use of our service.
b. No part of the Services is designed to attract anyone under the age of 18.
c. Children under the age of 18 may not use the Services.
d. If you are a parent or guardian and believe that your child under the age of 13 has provided personal information to us, you may contact us to request this information be deleted.
e. California Privacy Rights-We permit residents of the State of California to use its Service, and complies with the California Business and Professions Code §§ 22575-22579. If you are a California resident you may request certain information regarding our disclosure of personal information to any third parties for their direct marketing purposes. Various provisions throughout this Privacy Policy address requirements of the Californian privacy statutes. In summary, you must presume that we collect electronic information from all visitors. You may contact us at info@suitedconnector.com with any questions.
9.0 Specific Industry Disclaimers
a. Financial Services- Please note that we are not a mortgage lender, debt servicer, debt settlement, real estate company, insurance agent, auto sales company or automotive warranty organization. This is not, and is not intended to be, any type of application for any financial product.
i. Our sites use short forms which enable you to be matched with one or more companies within our network. In order to be contacted, an applicant must complete a financial services request by completing an application located on one of our sites.
ii. Once you have completed this expression of interest (or information request form), your information will be sent to our participating companies. Our application technology will match a consumer with one to four companies within our network.
iii. You agree to share your information with Secure Rights and up to 4 of its Premier Partners and for them to contact you (including through automated means; e.g. autodialing, text and pre-recorded messaging) via telephone, mobile device (including SMS and MMS) and/or email, even if your telephone number is currently listed on any state, federal or corporate Do Not Call list. To participate in this service without authorizing the use of an automated dialer, please call (877) 897-0614. Secure Rights Privacy Policy. Secure Rights Licenses. NMLS: 3175. In the event that you are matched with one of our partners outside of the Secure Rights network, you agree to allow us to share your information with any Suited Connector, LLC partner or affiliate who can help you with the product or service that you have requested more information about.
iv. In most cases, a company will contact a consumer regarding requests within 24 hours. There is no fee charged or billed to an applicant by us for the above service.
v. A company may utilize an applicant’s information submitted at one of our Sites. In addition, a company may use this information to evaluate an applicant’s eligibility, process an application or initiate and close a transaction. Many companies have proprietary privacy policies regarding dissemination of personal information.
vi. Licensed organizations are subject to Federal and State laws and regulations that for their practices. We have no direct control over information handling practices within our network. However, we require companies within our network to refrain from disclosing confidential consumer information to third parties that are not affiliated with the application process.
10.0 Changes to Privacy Policy
a. We may change this Privacy Policy at any time. The revised Privacy Policy will be effective immediately when posted on the Services.
b. It is the responsibility of each user to review the Services and the Privacy Policy to learn of any revisions to this Privacy Policy.
c. Your continued use of the Services after the effectiveness of such revisions will constitute your acknowledgment and acceptance of the terms of the revised Privacy Policy.
d. If a change would authorize the use of your PII for a new or materially different purpose, then we will send you an email notification.
11.0 Contact Information
a. If you have any comments or questions regarding our Privacy Policy, or to report abuse of any PII collected under this Privacy Policy, please email us at info@suitedconnector.com or write to us with your specific instructions at: Suited Connector, LLC / Mortgage Rate lock - Attention: Consumer Services, 8149 N 87th Place, Suite 211, Scottsdale AZ 85258.
b. For more information about protecting your privacy, you may wish to visit: http://www.ftc.gov.
Suited Connector, LLC works hard to support responsible commerce on the Internet – and these efforts include doing everything we can to combat "spam" - a slang term that refers to the sending of unsolicited email, instant messaging or other communication to a large group of people at once. "Spam" variations can include off-topic, promotional messages on bulletin boards, guestbooks, Usenet newsgroups, or chat rooms.
Spam is strictly against policies and Terms of Service, and will result in the immediate disablement of any partners who are found to have used spam in conjunction with their with their Suited Connector, LLC advertising agreements.
The following policy dictates in specific terms what is considered acceptable use of bulk email/messaging by Suited Connector, LLC:
Subscriptions
Mailing list subscriber information must include the date and time that the subscription was confirmed, as well as the IP address of the subscriber at the time of the confirmation. The user must be able to present this information at Suited Connector, LLC’s request.
The nature of email address use must be fully disclosed, either on the page the subscription is made from or with a prominent link to the site’s Privacy Policy. It must be made reasonably clear how a user’s email address will be used and in what circumstances it will be shared.
Lists cannot be procured from outside parties unless the email sender has procured a list from an organization that sells or otherwise shares email distribution lists, and all of the following conditions are met:
Undeliverable addresses must be removed from all future mailings after no more than 5 bounces.
Marketing companies are responsible for the practices of any affiliate program members they solicit the help of, as if they were hiring an outside advertising agency.
Marketing companies using either outside advertising companies or 3rd party mailing programs must abide by the same policies and practices as those using Suited Connector’s own bulk mailing list tools.
All mailings must provide clear and simple to follow instructions for opting-out of future mailings, and all reasonable attempts must be made to facilitate the removal of a mailing list subscriber at their request.
The user of this website is advised and acknowledges that Suited Connector, LLC’s electronic mail service equipment may be located in California. In no event shall the user use Suited Connector, LLC’s equipment in violation of California’s anti-spam laws including California Business & Professions Code sections 17538.4 and 17538.45.
Other
Predominately promotional messages must not be posted to bulletin boards, discussion forums, guestbooks, Usenet newsgroups, or any other similar service unless the operator of that service explicitly allows such messages. In the case of Usenet newsgroups, such messages must be specifically allowed in that group’s charter.
Disablement
Suited Connector, LLC reserves the right to cancel a marketing services agreement at any time should it feel there is a reasonable suspicion that marketing partner in violation of these policies and / or engaged in the practice of spamming.
By following these guidelines and respecting the privacy of your visitors, you can gain much from the responsible practice of commerce online. Of course, should you have any questions regarding the proper way to use bulk email with your web site, please contact us or more information.
info@suitedconnector.com
Suited Connector, LLC
Mortgage Rate Lock
8149 N. 87th Place, Suite 211
Scottsdale, AZ 85258
Updated 1/26/2015
Suited Connector, LLC and this website respects the intellectual property of others.
If you believe that your copyrighted work has been copied in a way that constitutes copyright infringement and is accessible on this site, you may notify our copyright agent, as set forth in the Digital Millennium Copyright Act of 1998 (DMCA). For your complaint to be valid under the DMCA, please provide us with the following information when providing notice of the claimed copyright infringement:
The above information must be submitted as a written, faxed or emailed notification to the following Designated Agent:
Attn: DMCA Office
Suited Connector, LLC
Mortgage Rate Lock
8149 N. 87th Place, Suite 211
Scottsdale, AZ 85258
info@SuitedConnector.com
Warning - UNDER FEDERAL LAW, IF YOU KNOWINGLY MISREPRESENT THAT ONLINE MATERIAL IS INFRINGING, YOU MAY BE SUBJECT TO HEAVY CIVIL PENALTIES. THESE INCLUDE MONETARY DAMAGES, COURT COSTS, AND ATTORNEYS’ FEES INCURRED BY US, BY ANY COPYRIGHT OWNER, OR BY ANY COPYRIGHT OWNER’S LICENSEE THAT IS INJURED AS A RESULT OF OUR RELYING UPON YOUR MISREPRESENTATION. YOU MAY ALSO BE SUBJECT TO CRIMINAL PROSECUTION FOR PERJURY.
This information should not be construed as legal advice, for further details on the information required for valid DMCA notifications, see 17 U.S.C. 512(c)(3).
From time to time, we have experts who work with us featured in a local or national news story. Here are a few of the stories that one of our experts - Justin McHood, a partner in the company who owns this website - has been featured in.
