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About Trusted Mortgage Professional Accreditation
Overview  

Mortgage lending is a complex financial transaction that is all about Trust!

If a business has been accredited by Comergence, it means Comergence Compliance Monitoring, LLC has determined that the business meets trusted member accreditation standards. The standards are rigorous and include identity verification, an onsite inspection, a comprehensive background check, licensing compliance verification, FACT Act identity theft red flag rules compliance and a commitment to ongoing monitoring.

Businesses that meet compliance standards and complete all application procedures will be accredited by Comergence. Comergence accredited businesses pay a fee for accreditation review/monitoring and for support of Comergence services to the public.

Comergence Accredited Businesses may identify themselves as Trusted Members online, in print and broadcast advertising (newspapers, periodicals, billboards, posters, telephone, TV and radio ads, flyers and direct mail), in yellow page or other directories, on business cards, and on stationery, invoices, facsimile cover sheets and other business documents while they are actively monitored by Comergence and continue to meet the Trusted Member criteria.
Consumer Awareness  

What the Trusted Member Seal means

The Trusted Mortgage Professional Seal is a visible, real-time assurance of trust letting consumers know in an instant that the business is one of the most trusted providers in the industry. It means consumers can verify the business with Comergence and determine with confidence the business is in compliance with laws that protect the consumer in a mortgage transaction. A consumer is less likely to be a victim of identity theft or mortgage fraud when transacting business with trusted members.

What the Trusted Member Seal tells you

Once a business has obtained trusted member accredited status, Comergence supplies the business with the Trusted Mortgage Professional Seal for use. An online seal is also provided to upload onto their website. By clicking on the Comergence Trusted Member Seal, visitors will get real-time confirmation of the trusted member status and a current report of the member.

Comergence accreditation does not mean that the business’ products or services have been evaluated or endorsed by Comergence, or that Comergence has made a determination as to the business’ competency in performing services. Businesses are under no obligation to seek Comergence accreditation, and some businesses are not accredited because they have not sought Comergence accreditation.

Report Fraudulent Use  

Look out for the following to identify abuse of the Trusted Mortgage Professional Seal:

  • The site does not link to the Comergence report - verify the url

  • The information on the Comergence Report Page does not match the information of the site

  • When the Trusted Mortgage Professional Seal is clicked, there is no report page

  • There have been modifications to the Trusted Mortgage Professional Seal

  • The Trusted Mortgage Professional Seal is being used to promote spam, phishing, or illegal activities.

NOTE: Comergence is not and does not undertake to be responsible for content on a Website on which the Trusted Mortgage Professional Seal is posted.

If you would like to report any abuse of the Trusted Mortgage Professional Seal, please send an e-mail to abuse@comergencecompliance.info

FAQs
Why it is important to look for the Trusted Mortgage Professional Seal on a mortgage professional’s web site?  

According to research, 86% of Americans are concerned that they may be a victim of identity theft. Mortgage fraud scams is in the billions of dollars. A monitored mortgage professional instills trust and restores confidence in the marketplace of real estate finance.
Where can I find the Trusted Mortgage Professional Seal on my mortgage professional’s Web site?  

The majority of consumers expect to see trust marks displayed where personal information is entered and transactions completed. According to Research, 79% of online consumers expect to see a trust mark displayed on a Web site’s home page. Mortgage professionals can display the seal on any Web page within the registered domain. Comergence recommends inserting the seal where it will be clearly visible without scrolling on pages where site visitors may look for proof of security and authenticity:

  • The home page
  • Pages where personal information is collected
  • Log-in screens and on secure application pages
  • On pages with security or privacy policy information
  • Next to submit buttons
Is Trusted Mortgage Professional Seal new?  

Yes. Prior to Comergence Compliance there was no existence of a watchdog entity that oversaw the Mortgage Lending industry at a national level. This contributed to what is now referred to as the “Mortgage Meltdown” or “Credit Crisis”.
What does the Trusted Mortgage Professional Seal mean?  

Mortgage Lenders and brokers that apply to obtain the Trusted Mortgage Professional Seal have undergone a detailed review process and committed to abide by a set of ethical standards for marketplace conduct as well as ongoing background and compliance monitoring.

What are the Comergence standards against which businesses that request are evaluated?  

The standards are a comprehensive set of background, compliance checks and fraud risk factors. Including being and remaining free from any government action that affects the reliability of the business, be and remain licensed and bonded, if required, and provide licensing and bonding information upon request of Comergence.
Does Comergence monitor Trusted Members for continuing compliance?  

Yes. Every Trusted Mortgage Professional is monitored on an ongoing basis and must continue to meet the standard for their Status to remain active.

Does Comergence report only on its Trusted Members?  

No. Comergence issues reports on Trusted Members and non reviewed businesses alike. We, as a matter of policy do not endorse or recommend any business, product or service. We apply the same standards to reporting on businesses, regardless of their Trusted Mortgage Professional status. Our reports may, however, note the fact of a business' trusted member status.

Because Trusted Mortgage Professional businesses must qualify for Trusted Member status by adhering to certain standards, a business with a bad report will be disqualified for Trusted Member status. However, this does NOT mean that a business that is not a Trusted Member has a bad report or would not qualify for Trusted Member business status.

Why can't Comergence stop rip-offs and scams?  

Although we do not have legal and policing powers, we provide information about marketplace fraud through scam reports to the public, media releases and alerts.

Comergence works closely with local, state and federal law enforcement agencies, providing them with valuable information on potentially fraudulent activities. The public can help to stop rip-offs and scams by contacting us before they do business with an unknown company and by notifying us of a potential scam.


Trusted Member Seal Usage

Comergence Accredited Businesses may identify themselves as Trusted Members online, in print and broadcast advertising (newspapers, periodicals, billboards, posters, telephone, TV and radio ads, flyers and direct mail), in yellow page or other directories, on business cards, and on stationery, invoices, facsimile cover sheets and other business documents while they are actively monitored by Comergence and continue to meet the Trusted Member criteria.
Click to Verify Seal  

The Click-to-Verify Trusted Member Seal is a dynamic image appearing on mortgage professional’s websites that allows visitors to tell at a glance that they can trust the mortgage originator. It allows originators to advertise their Trusted Mortgage Professional Accreditation on their website and also links the website directly to their Comergence report. Borrowers are then able to access vital information that boosts consumer confidence, including Accreditation status, and a summary of licensing and compliance.

This program is available at no additional charge to Comergence Registered members who meet the Trusted Accreditation standards.

The Report Link is easy to set up and takes only minutes. Qualified subscribers may go to the download page and get the images and code within their secure portal once registered with Comergence Compliance.

Click-to-Verify Service Terms  

Listed below are the Terms of Use for the program icon. Member displaying the icon agree to abide by these terms.

Terms of Use

  • You may use the Trusted Mortgage Professional Logo with the understanding that it is a registered service mark of Comergence Compliance Monitoring, LLC.

  • You are not authorized or allowed to use this service mark in any way that is inconsistent with the rules governing its use, as determined and revised from time to time by Comergence Compliance Monitoring, LLC.

  • You may not alter the Trusted Mortgage Professional Seal in any way.

  • The Trusted Member Seal may only be displayed on websites that are registered with Comergence.

  • You agree that Trusted Mortgage Professional logo must contain a link to your Comergence report published by Comergence Compliance at http://realm.comergence.com/trustseal.

  • Upon termination of your Comergence membership for any reason, you must immediately remove the icon and any reference to it from your website.
 
 
 
 
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