Privacy Policy

Victory Rates is NOT a lender or affiliated with any government entities, including but not limited to the VA.

Victory Rates (Last Updated: January 17th, 2015)

Victory Rates Respects Your Privacy

You can find below details about our privacy policies. It is your choice as to how your information will be shared. We value your privacy, and understand the importance of keeping your information secure, knowing that it is an integral part of customer service. Our privacy policy applies to current and former customers. We encourage you to review our privacy policy to fully comprehend how your information will be used to provide you with the best possible service.

Our Secure System Protects You.

1. We are committed to protecting the security and integrity of customer personal information. Our website uses procedures and technology designed to provide the highest levels of security. Any information you submit on our website is protected by an Extended Validation Certificate. An Extended Validation Certificate is the most up to date form of SSL Certificate encryption security, and it ensures that any data you send to our website is properly encrypted and can’t be accessed by hackers or others wishing to gain access to your personal information. Only authorized employees of Victory Rates can access your private informatio. We understand that online customers must be assured that their information will be kept secure, but we have to warn that no computer security systems are completely impenetrable and we cannot guarantee that your information will remain safe. You, as a consumer, should always take adequate measures to protect your personal information to prevent potential identity theft.

We Use the Information You Provide to Assist You

2. The customer information you provide is used to meet your financial needs. This information may be used to process your loan request and inform you of financial services that may be of interest. We may utilize your information to reach out to you through e-mail, direct mail, or telephone. We may also use your information in order to provide you with a high level of customer support and to improve our website.

3. We may share your information with outside parties in order to assist you in obtaining a mortgage. These outside parties may have their own privacy policies describing how they may utilize your personal information.

4. Victory Rates reserves the right to share contact and/or personal information with trusted third-party affiliates at any point in the future. These affiliates can include, but are not limited to, First Choice Bank and other approved and designated affiliates. This information is disclosed via the means of electronic post or email and will only be shared with qualified employees of these third party affiliates.

5. Victory Rates collects anonymous user information. This information includes, but is not limited to, your IP address, referral data, and which pages you visit while at our site. We use this information to better accommodate and serve our visitors, but it is kept confidential and not disclosed to any other parties. We utilize this information solely to improve our website and the user experience. Victory Rates utilizes “cookies” throughout our site to improve each user’s experience and help us understand our visitors’ needs. A cookie is a small file comprised of text that contains your anonymous information. This information is sent from a Website to your computer’s hard drive, so the site administrator can identify your computer and passively track its activities on the Web site.

Cookies do not permit a Website to store any personally identifiable information, such as your real name and address, which you would not have revealed otherwise. Victory Rates uses this information to help us find errors on our website and determine how popular each webpage is so we can add more information to it and continue to provide top of the line customer support.

6. We share information with lenders and real estate professionals. After they receive your information, they may contact you directly via phone or email. You may be contacted by, our partner company First Choice Bank or other affiliates. Our affiliates operate under federal and/or state laws and regulations. Our lenders and real estate professionals may keep and use your information if you do or do not qualify for a transaction with them.

7. When you submit your telephone number, and your lead request, you may get a phone call or email from a VA approved lender. This lender may call or email you, even if your number is on a Do Not Call List. Under our Do Not Call Policy you may instruct us not to call you by sending an email to and placing the term “DO NOT CALL” in the subject line or by calling us at 201-500-8387.

8. It is your choice as to what information you provide to us. You may not be able to use certain portions of the website properly if you don’t give us all of your information, but it is your choice. We encourage our customers to provide all requested information so we can provide the highest level of customer service and offer the appropriate products to our customers.

9. Federal and state laws require us to hold completed loan qualification forms for certain periods of time. In order to comply with these laws, we may not be permitted to delete certain information from our database.

10. Visitors to our website who fill out our pre-qualification form have ‘opted-in’ to receive a series of newsletters. These newsletters will be sent periodically by Victory Rates. These newsletters are complimentary and provide information on VA benefits and may contain commercial offers from our trusted partners. If you wish to opt-out of these newsletters, or any further communication from Victory Rates, please send an email to and include the term “OPT OUT” in the subject line or call us at 201-500-8387.

11. Children under the age of 13 are not allowed to use this website or receive services from Victory Rates.

12. Victory Rates may have to disclose your personal information to law enforcement or government agencies. We will only disclose this information to comply with a subpoena, court order, to exercise our legal rights, to protect our company or employees from threats or fraud, to protect us from legal claims, or as required by law. We may raise or waive any legal rights available to us. This information might also be disclosed in the event that Victory Rates is part of a merger, sale of the company, asset sale, or in the unlikely event of bankruptcy.

Make Victory Rates Your Choice!

Call 201-500-8387 to speak to a representative of Victory Rates and inform us if you don’t want us to share certain personal information pertaining to your loan request. You have no obligation by submitting a request. However, once you have submitted your information online, it may not be retracted. We will contact you if you submit a request to the website.

The policies and practices described in this disclosure can change, but we will inform you of any significant changes as required by all applicable laws and regulations. We encourage you to periodically look over the Privacy Policy on the website to check for any revisions.

You may receive copies of this Privacy Policy as well as the terms and conditions by sending an email to We reserve the right to change this policy at any time without notification. The most recent version of the Privacy Policy can always be found on our website.