Privacy

Site Security

What is SSL?

Encrypted 1003
  The Encrypted 1003 utilizes secure socket   layer (SSL), frequently referred to as “Netscape”   encryption. This allows both Netscape and Microsoft Explorer   browsers to communicate with our server in a secure   SSL encrypted session. It is often used to securely transfer   credit card numbers and other sensitive information.
Fraud Protection
  These security features protect transactions   from misappropriation and fraud that could otherwise occur as   information passes through Internet computers. Without thorough   security, information transmitted over the Internet is susceptible   to fraud and other misuse by intermediaries.
Complete Protection
  The Internet does not provide   built-in security. This is why our 1003 residential loan application   is not e-mailed. To increase security and privacy, we will be   notified via e-mail of your completed 1003 application and we   are required to access the completed 1003 via encryption, username,   and password.  The SSL protocol delivers server authentication,   data encryption, and message integrity.

How does it work?

Client/Server Protocols
  SSL is layered beneath application protocols   such as HTTP, Telnet, FTP, Gopher, and NNTP, and layered above   the connection protocol TCP/IP. This strategy allows SSL to operate   independently of the Internet application protocols. With SSL   implemented on both the client and server, your Internet communications   are transmitted in encrypted form, ensuring privacy. Due to this   encryption process, documents that are encrypted may take longer   to download.
Digital Certificates
  Netscape Navigator and Microsoft Explorer   deliver server authentication using signed digital certificates   issued by trusted third parties known as certificate authorities.   A digital certificate verifies the connection between a server’s   public key and the server’s identification (just as a driver’s   license verifies the connection between your photograph and your   personal identification). Cryptographic checks, which check digital   signatures, ensure that information within a certificate   can be trusted.
Web Addresses
  You can tell whether a document comes from   a secure server by looking at the Universal Resource Locator   (URL) field. If the URL begins with https:// (instead of http://),   the document comes from a secure server. You need to use https://   for URLs with SSL and http:// for URLs without SSL.

What does a digital certificate do?

Public/Private Key Pairs
  Digital Certificates are protected by public   and private key pairs linked by a powerful cryptographic algorithm.   These keys have the ability to encrypt and decrypt information.   No one else’s keys can decipher messages you send that are encrypted   with your public key. Also, no one else’s keys can be used to   pose as you by sending messages encrypted with your private key.
Digital Certificates
  Netscape Navigator and Microsoft Explorer   deliver server authentication using signed digital certificates   issued by trusted third parties known as certificate authorities.   A digital certificate verifies the connection between a server’s   public key and the server’s identification (just as a driver’s   license verifies the connection between your photograph and your   personal identification). Cryptographic checks, which check digital   signatures, ensure that information within a certificate   can be trusted.
Web Addresses
  You can tell whether a document comes from   a secure server by looking at the Universal Resource Locator   (URL) field. If the URL begins with https:// (instead of http://),   the document comes from a secure server. You need to use https://   for URLs with SSL and http:// for URLs without SSL.