First Keys Mortgage is a mortgage lending institution that prides itself in providing high quality financial services to the public.

It is our mission to provide high quality mortgage programs at the most competitive rates in the nation. Our home loan programs include: purchase, refinance, debt consolidation, home equity loans, second mortgages and home improvement loans tailored to your unique situation.

Our staff of mortgage service professionals makes themselves accessible to clients around the clock, and strives to obtain the best mortgage loan package no matter what the situation.

To contact one of our mortgage professionals please call Office: 925.516.6907or fill out our Online Application to find a loan program that fits your particular need. We will help determine which one is best for you.
"Fair Lending Policy"
"First Keys Mortgage is an Equal Housing Lender. We conduct business in accordance with the Federal Fair Housing Act and the Equal Credit Opportunity Act. It is our corporate policy to ensure that in each of our residential real estate financial transactions, no person is discriminated on the basis of their race or color, national origin, religion, gender, marital and familial status handicap or age."
"Licensing Information"
First Keys Mortgage holds licenses in  the State of California.
California

California Department of Corporations
Los Angeles Office
320 West Fourth Street, Suite 750
Los Angeles, CA 90013-2344
Licensed by the California Department of Corporations under the California Finance Lending Act, License #605-2780

PRIVACY POLICY
First Keys Mortgage will not, directly or through its affiliates, disclose to a nonaffiliated third party any nonpublic personal information without first providing notice to the consumer and affording them the opportunity to "opt out" of the sharing arrangement.
First Keys  Mortgage's current policy is NOT to share any non-public personal information with any nonaffiliated third party source except as necessary for the express intention of processing and closing of a borrower's loan application and the servicing and selling of a borrower's loan. This generally includes obtaining information from credit agencies, verification of assets, income, or employment or sharing information with third party service providers for the hazard, flood or private mortgage insurance coverage, servicing, auditing and enforcement of the Note and Deed of Trust.At this time, the "opt out" provision is not applicable due to our policy of NOT sharing any non-public personal information with any nonaffiliated third party except for the purposes indicated above. The definition of non-personal public information includes not only privately obtained borrower information such as social security numbers, credit histories, depository and income and employment information but also includes customer lists which include loan numbers and other non-public data.
No employee is authorized to share any borrower's non-public personal information for the purpose of solicitation for additional products or services or any other purpose.
SECURITY AND CONFIDENTIALITY
· Only those employees whose specific job duties require access to the borrowers' loan files and therefore their non-public personal information may be in possession of any loan file. Branch Managers are to ensure there is no unauthorized access of loan files in their branch offices.
First Keys Mortgage employees are given this notice:
Privacy Protections for Customers to Thwart Fraudulent Access to Financial Information
Tittle V, Subpart B provisions addressing "Fraudulent Access to Financial Information" established a general rule prohibiting persons from obtaining or attempting to obtain, or disclosing or attempting to cause to be disclosed to any person, a financial institution's "customer's information" by any means of false pretenses. Anyone who knowingly and intentionally violates Section 521 is subject to fines, imprisonment, or both.
The scope of "false pretenses" encompasses the following activities:
· Making a false, fictitious or fraudulent statement or representation to an officer, employee or agent of a financial institution;
· Making a false, fictitious or fraudulent statement or representation to a customer of a financial institution; and
· Providing any documentation to an officer, employee or agent of a financial institution, knowing that the document is forged, counterfeit, lost, stolen, was
fraudulently obtained or contains a false, fictitious or fraudulent statement or representation.
Storage of Loan Files
· Closed or cancelled loan files are to be maintained in a secured storage location. 
Destruction of Loan Files
· When loan files are eligible to be destroyed due to loan payoff (and after the applicable regulatory agency-required retention period has expired), loan files are to be shredded and NOT just discarded. This also applies to duplicate files maintained in a branch office.
Third Party Service Providers
· Third party service providers are required to execute a Confidentiality Agreement or Clause as part of its contract with First Keys  Mortgage in compliance with said Act. "Grandfathered" contracts, those in effect as of July 1, 2000, will be given until July 1, 2002 to comply with said amendment.
Employee Education
· All employees are required to read the First Keys Mortgage Privacy Policy and acknowledge receipt of said policy. Acknowledgements to be maintained in the employee's personnel file in Human Resources.
Employees who violate all or any portion of this policy are subject to termination.
PRIVACY POLICY STATEMENT
Initial Disclosure:
The First Keys Mortgage Privacy Policy Statement is to be provided to the borrower commencing with loan application received on or after July 1, 2001 as follows:Retail Loan Originations:
· The "interviewer" in the Loan Application process must give this Privacy Policy Statement to the borrower to be executed at the time the loan application is taken face-to-face. A copy must be given to the borrower for their records and a copy retained in the branch file and a copy must be included in the credit package upon submission to the underwriter.
· If the Loan Application is taken by phone or by mail, this Privacy Policy Statement is to be mailed to the borrower with the Initial Truth-In-Lending Disclosure and other applicable origination disclosures. A copy is to be retained in the branch file and a copy must be included in the credit package upon submission to the underwriter. The cover letter that is sent with the origination disclosures must reflect the inclusion of this document.

"Website Security Policy"  
"First Keys Mortgage will continue to take necessary steps to ensure the information provided by consumers vis a vis this website will remain secure and confidential from unauthorized outside sources.
"Applicable Law Disclosure"
"This website is created and maintained in the State of California and California law is the governing law over disclaimers, terms and conditions of website use, and policy statements unless indicated otherwise."
" 'As-Is' Disclaimer"
 "We make no reps or warranties express or implied as to functionality or fitness for particular use".