Terms & Conditions

Nmls #214767

Corporate Office: 1225 Ave. Ponce de León, VIG Tower, Suite BS-J, San Juan, PR 00907

Licensed by the Office of the Commissioner of Financial Institutions of Puerto Rico (OCIF) #IH-148

Not all products and options are available in all states. Terms and conditions are subject to change without notice.

1) Acceptance of Terms

By accessing and using this website, you agree to these Terms and Conditions. If you do not agree, do not use this site.

2) Informational Purpose; No Advice

The information provided is for informational and general guidance purposes only. It does not constitute legal, accounting, tax, or professional advice, nor a recommendation to enter into any specific transaction. You should consult your professional advisors before making decisions.

3) Rates, Payments, and Estimates

Any rate, monthly payment, APR, closing cost, or example presented on this website is for illustrative purposes only and may vary based on credit, income, debts, property type, loan-to-value (LTV), occupancy, loan program, and market conditions. Nothing on this website constitutes an offer, commitment, or guarantee to extend credit or to maintain a specific rate. Rates, terms, and costs may change at any time and availability is subject to evaluation, verification of information, and final approval in accordance with applicable criteria.

4) Product Availability

Loan products, programs, requirements, and options may vary by jurisdiction and borrower profile. Not all products are available in all states or territories. Loan approval is subject to evaluation and compliance with applicable criteria.

5) Non-Discrimination / Fair Housing (Fair Housing / ECOA)

VIG Mortgage Corp. provides its services in compliance with applicable federal fair housing and credit laws, including the Fair Housing Act and the Equal Credit Opportunity Act (ECOA). We do not discriminate on the basis of race, color, religion, national origin, sex (including sexual orientation and gender identity), marital status, age (provided the applicant has legal capacity), receipt of public assistance, or the exercise of rights under the Consumer Credit Protection Act.

6) Permitted Use of the Site and Intellectual Property

You are authorized to access, read, and print the content of this site for personal, informational, and non-commercial purposes only. Unless prior written authorization is granted, the content may not be modified, reproduced, distributed, publicly displayed, or used for commercial purposes. The content of this site is protected by copyright, trademark, and other applicable laws.

7) Third-Party Links

This site may contain links to third-party websites. VIG Mortgage Corp. does not control and is not responsible for the content, practices, or policies of such websites.

8) Security; Use at Your Own Risk

While VIG makes reasonable efforts to maintain security measures, the transmission of data over the Internet is not guaranteed to be 100% secure. Use of this site is at your own risk.

9) User Conduct and Public Content

Please do not post sensitive or confidential information (such as Social Security numbers, dates of birth, residential addresses, bank account numbers, or banking information). Offensive, defamatory, threatening, discriminatory, malicious, profane, or obscene comments directed at customers or employees are not permitted. VIG does not endorse or adopt comments from third parties or employees as official unless issued by an authorized representative.

10) Electronic Communications (Email and Messages)

Any communication you receive from VIG Mortgage Corp. may contain confidential or privileged information and is intended exclusively for the designated recipient. If you receive a communication in error, you must notify the sender and delete it. Unauthorized review, disclosure, distribution, or use of such information is prohibited. VIG shall not be responsible for alterations, falsifications, or modifications made by third parties to messages that appear to originate from us.

11) Consent to Calls and Text Messages (TCPA)

By providing your telephone number, you authorize VIG Mortgage Corp. and/or its service providers to contact you by calls and/or text messages, including the use of automated systems and/or prerecorded messages (where applicable), for informational, service-related, and/or marketing purposes, as applicable. Message and data rates may apply. You may opt out of receiving SMS messages by replying “STOP” and request assistance by replying “HELP.”

12) Cookies and Similar Technologies

We may use cookies, pixels, and similar technologies to operate the site, analyze traffic, improve content, and measure campaigns. You may control the use of cookies through your browser settings. Some site features may be affected if cookies are disabled.

13) Changes to the Terms

We may modify these Terms and Conditions at any time. The current version will be published on this page.

14) Contact Us

Customer Service: (787) 200-8585

Privacy Policy

At VIG Mortgage Corp., the privacy and confidentiality of our customers’ information is a priority. This Policy describes how we collect, use, share, and protect nonpublic personal information.

1) Information We Collect

We may collect nonpublic personal information as necessary to provide our services, respond to inquiries, and comply with legal and regulatory obligations, including:

Information you provide: name, address, telephone number, email address, financial information, credit history, Social Security number (when applicable), and other information necessary to evaluate or process an application.

Information about your experience with us: communication history, application status, submitted documents, and other information related to the loan origination process.

Information from consumer reporting agencies: credit scores, credit reports, and information related to creditworthiness.

Information from employers and third parties for verification: employment verification, income, deposits, or other information necessary to validate information you provide.

2) How We Use Information

We may use your information to:

Respond to inquiries and requests.

Evaluate eligibility and process mortgage applications.

Verify identity, prevent fraud, and manage risk.

Comply with legal, regulatory, and audit requirements.

Improve services, the website, and user experience.

Send informational or commercial communications, as applicable.

3) Credit Verification

To evaluate eligibility, VIG Mortgage Corp. may request and/or review credit information. Depending on the process, the review may involve a soft inquiry or a hard inquiry, which could impact your credit score.

4) When We Share Information

VIG Mortgage Corp. does not sell your personal information. We may share nonpublic personal information only as permitted by law, including:

With affiliated or related entities for operational, informational, or commercial purposes related to the requested service.

With service providers performing functions on our behalf, subject to confidentiality obligations.

With regulatory agencies or authorities when required by law.

To prevent fraud, protect rights, security, and property, or to comply with legal or contractual obligations.

5) Privacy Notice (GLBA)

As a financial institution, VIG Mortgage Corp. protects nonpublic personal information in accordance with the Gramm-Leach-Bliley Act (GLBA) and other applicable laws.

6) Sale, Assignment, or Transfer of the Loan (No Servicing)

Your loan may be sold, assigned, or transferred. VIG Mortgage Corp. does not provide loan servicing; therefore, payment administration and related customer service may be handled by a designated third-party servicer. Where applicable, you will receive legally required notices.

7) Data Retention

We retain personal information for as long as reasonably necessary to provide services, comply with laws and regulations, and maintain records.

8) Security

We maintain reasonable safeguards to protect personal information; however, no method of transmission or storage is completely secure.

9) Electronic Communications Consent (E-SIGN)

By using our forms, you consent to receive disclosures and communications electronically (email, portal, SMS where applicable), subject to applicable laws.

10) Marketing Preferences and Opt-Out

You may opt out of receiving promotional communications:

Email: Use the “Unsubscribe” link (where applicable) or call (787) 200-8585.

SMS: Reply “STOP” (you may receive a confirmation message).

Phone calls: Request removal by calling (787) 200-8585.

Even if you opt out of promotional communications, we may continue to send non-promotional and/or legally required communications related to applications, documents, transaction status, or legal notices.

11) Changes to This Policy

We may modify this Policy periodically. The current version will be published on this page.

12) Contact Us

Customer Service: (787) 200-8585