Program Policies, Terms and Conditions, & Disclosures

Click here for our Disclosures & Terms and Conditions

Click here for our Privacy Policy

Click here for our Affiliated Business Disclosure (AFBA)

Click here for our Cookie Policy

Disclosures & Terms and Conditions

NMLS #2240. Click here for the SIRVA Mortgage NMLS access page

*This not an offer of credit. This is not an offer to enter into an interest rate lock-in agreement. Mortgage approvals are rendered based on individual credit qualifications.
SIRVA Mortgage is engaged in the business of originating residential mortgage loans. We are licensed or authorized to conduct mortgage loan origination in all 50 states plus the District of Columbia. SIRVA Mortgage is not a depository institution and does not act as or represent itself a full service bank. Reference to the term “mortgage banker” is a common, accepted industry term referring to companies engaged only in the business of making mortgage loans. Various state laws and regulations and our individual license in various states refer to us as a mortgage lender, mortgage banker or mortgage broker. Please see the complete license disclosure below.

Click here for our Privacy Policy and click here for our Affiliated business relationships. Please see the complete license disclosure below. Call 800-531-3837 for more information.

**SIRVA Mortgage, Inc. is licensed by (among others): Arizona Licensed Mortgage Banker, License #BK-0901430; Loans made or arranged pursuant to a California – DBO Residential Mortgage Lending Act License #4130944; regulated by the Colorado Division of Real Estate, check the license status of your mortgage loan originator at; licensed by the Delaware State Bank Commissioner to engage in business in Delaware, Lender License #1755; Georgia Residential Mortgage Licensee #6221; Illinois Residential Mortgage Licensee licensed by State of Illinois Department of Financial and Professional Regulation, Division of Banking, 122 S. Michigan Avenue, Suite 1900, Chicago, IL 60603 (212) 793-3000 License #MB.0004037; Kansas Licensed Mortgage Company, License # SL.0000368; Massachusetts Mortgage Lender, License #ML2240; Licensed by the Mississippi Department of Banking and Consumer Finance, Mississippi Licensed Mortgage Company #2240; Missouri Residential Mortgage Licensee; Montana Mortgage Lender License #2240; Nevada Mortgage Broker License #1043, 225 Redfield Parkway, Suite 204, Reno, NV 89509 775-826-1171; Licensed by the New Hampshire Banking Department; Licensed by the New Jersey Department of Banking and Insurance; “Licensed Mortgage Banker – NYS Banking Department; Ohio Mortgage Broker License #MB.803887.000; Oregon Mortgage Lender license # ML-186; Licensed by the Pennsylvania Department of Banking; Rhode Island Licensed Lender; Texas Mortgage Lender, License #2240. This is not an offer of credit or an offer to enter into an interest rate lock-in agreement nor is this notice of loan approval. NMLS Unique Identifier# 2240. ( Main Office of SIRVA Mortgage, Inc.; 6200 Oak Tree Blvd., Ste 300, Independence, OH 44131; Telephone: 1-800-531-3837. Information last updated 3/9/2015.

Licensed Mortgage Loan Originators employed by SIRVA Mortgage, Inc. and their NMLS Unique Identifiers: Alan E. Flowers #252043, Beth Walz #375922, Bradley Linn Chapman #4047, Debra Jean Jackson #3561, Eric Peter Brennan #4498, Ernest Edward Phillips. #4488, Jennifer Mae Miller #4248, Jeremiah James Timura #3521, Kathleen DiLillo Coombs #352701, Kathleen Marie Pope #3509, Linda Michelle Laramy #4034, Mark Dennis Lehman #942618, Matthew Todd Balk #4068, Patrick Alan Frimel #980933, Paul Eric Klemme #4909, Robin Patricia Kara #4408, Ronna Sills Harris #4399, Sam Oscar Simmerman Jr. # 4081, Thomas Francis Higgins #187418.





In the state of New Jersey a purchaser is obligated to pay any applicable taxes for receipt of the real estate cash back rebate and the purchaser should contact a tax professional concerning any possible tax implications of receiving the rebate.

***To receive the award, customers must close their real estate transaction with a SIRVA-referred real estate agent. Due to state regulations, the award program is not allowed in AK, AL, AR, IA, KS, LA, MO, MS, OK, OR, TN. Additionally, if you choose to sell your home with a SIRVA-referred broker in these states, the benefit will be provided in the form of a reduced real estate commission. If you are purchasing a home and use a SIRVA-referred broker in these states, and also choose to work with SIRVA Mortgage, Inc. (an Affiliate of SIRVA Relocation) for your financing, SIRVA Mortgage Inc. will issue you a credit toward closing costs; in addition to any other closing cost credit providing by your loan program. You are not required to use SIRVA Mortgage Inc. for home purchase financing. Closing cost credits cannot be issued without utilizing SIRVA Mortgage. None of these programs are valid for corporate-sponsored relocations or mobile homes. The minimum home value must be above $75,000 to receive miles in any program. Programs can be cancelled or modified at any time without notice.

SIRVA endeavors to refer real estate brokers and agents, household goods providers and other service providers that provide quality services and products. However, SIRVA and its respective associates, agents and representatives cannot make any representations or warranties as to the fitness and applicability of the referred brokers and agents, household goods providers and other service providers and their service for your particular situation and purpose. SIRVA does not provide a warranty with respect to your particular engagement, relationship and experience with the party referred brokers and agents or their services. You must evaluate the brokers, agents household goods providers and other service providers and their services and make selections and decisions based upon your own best judgment, interest, priorities, and concerns. SIRVA is not providing advice with respect to any selection or decision you may make.

American Airlines reserves the right to change the AAdvantage® program and its terms and conditions at any time without notice, and to end the AAdvantage® program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage® miles earned through this promotion/offer do not count toward elite-status qualification or AAdvantage Million MilerSM status. American Airlines is not responsible for products or services offered by other participating companies. For complete details about the AAdvantage® program, visit

American Airlines, AAdvantage, the Flight Symbol logo and AAdvantage Million Miler are trademarks of American Airlines, Inc.

Privacy Policy

SIRVA respects your privacy, and this Privacy Policy is intended to inform you of how we protect your private, personal information.

One Policy

SIRVA has one global Privacy Policy for consumers applying to the entire SIRVA family of companies (“SIRVA”).  SIRVA is committed to complying with all local and worldwide privacy laws.

Information Covered by this Policy

Our Policy covers all non-public, personal information received by us that may be used to identify you (“Personal Information”).

General Data Protection Regulation Information

When we are acting at the direction of a corporate client to provide services to you, then the client is responsible as the Data Controller for telling us how your Personal Information should be used and processed.  Under the European Union’s General Data Protection Regulation, SIRVA and its family of companies are Data Processors who receive Personal Information and instructions on how to process that Personal Information from the Data Controllers.  Where we act as a Data Controller (i.e., where we independently determine how any Personal Information is processed), then we manage your Personal Information according to what you have consented to and the terms of this policy.

How We Obtain Personal Information

SIRVA relies upon many sources of information to understand and meet your needs. We may receive Personal Information about you from:

  • You directly, when you complete an application or when you visit us in person, over the phone, through the mail or through our websites;
  • Your transactions with any of the companies in the SIRVA family;
  • Consumer reporting agencies;
  • Mortgage, Title, appraisal or other companies connected with a financial product or service involved in the sale or purchase of your home;
  • Your employer;
  • Anyone who you have authorized to provide information; and
  • Other sources, in connection with providing you a financial product or service.

Regardless of its source, SIRVA will not process Personal Information without your consent.

Although we do not receive Personal Information from your browser, we do monitor and store certain types of information about visitors to our website–namely, the type of browser used, the user’s country, whether they were referred to us by a search engine, which of our pages they visit, and how those pages perform on the user’s computer.  This helps SIRVA make decisions on how to better design, streamline, and improve performance on our websites.  If you do not want this information monitored, you may turn off JavaScript.  Please be advised, however, that the websites may not provide full functionality if those settings are turned off.

We also use “cookie” technology to improve your experience on our site.  For details on our cookie policy, please see our website.

We do not knowingly collect Personal Information from children and will destroy such information if it is disclosed to us without proper parental consent.

Information Sharing within the SIRVA Family of Companies

To provide you with the full range of financial, relocation, and moving services you may need, SIRVA takes an integrated approach to the services we provide. In order to be able to provide a full range of services for your needs and make recommendations about a variety of the services offered by SIRVA, we may share Personal Information among the SIRVA family of companies.

Information Sharing with non-SIRVA Family Companies

Depending on the type of services you are to receive, SIRVA may work with and provide your information to companies or persons outside of the SIRVA family to provide those services to you.  For example, SIRVA may share personal information to:

  • service and support our operations generally and to support your account and services that we provide to you, including proposed or actual financing, securitization, secondary market sale, or similar transactions;
  • process or administer a transaction or product in connection with a product or transaction that you have requested;
  • data storage and processing;
  • those you have authorized us to disclose the information;
  • other suppliers with whom we have agreements to offer services to you through or with SIRVA; or
  • other suppliers with which we jointly market or provide products or services.

We may also share your Personal Information with these other organizations outside of the SIRVA family when required by law. For example, we may share personal information to:

  • protect against fraud;
  • respond to a subpoena or summons; or
  • respond to law enforcement or regulatory authorities.

We will not disclose your Personal Information to anyone outside of SIRVA unless you have authorized us to do so or as otherwise indicated in this Policy or as required by law.

We maintain agreements with our external suppliers limiting the use of your Personal Information only for the purposes you have intended in providing the information. These suppliers are bound to uphold our standards and procedures regarding privacy under the terms of our agreements with them.

Access & Choice

SIRVA provides you with a reasonable opportunity to access your own Personal Information, to correct that information if inaccurate, or to have it deleted as appropriate–subject to the exceptions stated below. Reasonable access means, for example, that requests for access are made during normal business hours; that you provide requested identification; and that requests are not excessive in number. If, at any time, SIRVA denies you access to any Personal Information, we will provide you with reasons for denying access and information about how you may make further inquiries. For instance, SIRVA reserves the right to deny access to information related to investigations or potential or actual litigation where the burden or expense of providing access would be disproportionate to the risks to the individual’s privacy, or where the rights of other individuals would be violated. In order to update your information, please send your request by electronic mail to, by facsimile to the number (216) 606-7654, or by telephone to the number (216) 606-7912.

You have the right to opt out of any use of your Personal Information at any time via the contact information above.  If you opt out of this policy or otherwise decline to provide Personal Information, it may affect your receipt of services.

Data Integrity & Security

SIRVA will make every reasonable effort to keep Personal Information accurate while we are using that information to serve you. SIRVA appreciates your cooperation in maintaining complete and up-to-date Personal Information and will facilitate your efforts in this regard. SIRVA retains Personal Information for as long as we have determined it is needed for the purposes for which it was received or as required by contractual, record keeping, or other legal requirements.

We limit access to Personal Information about you to those employees who need to know that information to provide products and services to you. We do not sell your Personal Information.

We maintain physical, electronic, and procedural safeguards to protect your Personal Information. We regularly assess security standards and procedures to protect against unauthorized access to Personal Information.

We store your Personal Information on servers that may be located in various countries, but always in compliance with this policy and all applicable data privacy laws and regulations.

You should always safeguard your own Personal Information by protecting passwords used to access a SIRVA system and by safely disposing of records and reports no longer needed.

SIRVA will notify and work with regulatory and/or law enforcement officials as required by law to address any issues or security breaches where they arise.


  1. Verification
    Employee training and internal procedures are in place to allow SIRVA to ensure compliance with its Privacy Policy. SIRVA provides for regular internal compliance reviews of its privacy practices, and a SIRVA has a Data Protection Office that is responsible for privacy implementation and compliance. For assistance with privacy concerns, you may send comments by electronic mail to, by facsimile to the number (216) 606-7654, or by telephone at (216) 606-7912.
  1. Dispute Resolution
    SIRVA recognizes the importance of providing you the opportunity to address and resolve complaints about the processing of your Personal Information. Therefore, in addition to any legal remedies that may be available, if you make a complaint with us about the processing of your Personal Information and it is not resolved to your satisfaction internally at SIRVA, you may also file a complaint with the American Arbitration Association (“AAA”) at the AAA website, located here, or seek its independent alternative dispute resolution services. The American Arbitration Association (“AAA”) is also located at the following address:

225 North Michigan Avenue, Suite 2527

Chicago, Illinois 60601-7601 USA

The AAA can be reached by telephone at (312) 616-6560 or by facsimile at (312) 819-0404.

What This Policy is About
This policy details how SIRVA uses cookies and cookie-like files and technologies on its website. In the spirit of transparency, this policy provides detailed information about how and when we use cookies.

What is a Cookie and Why do we Have Them
Cookies are small files typically of letters and numbers that are sent to and stored in your computer (“downloaded”) by the websites you visit, like ours. Cookies are stored in your browser’s file directory. The cookie will help the website, or another website, to recognize your device the next time you visit. There are other terms for cookies such as Web beacons, Local Shared Objects, Flash cookies or authentication files. The next time you visit the website that has used a cookie your browser will read the cookie and relay the information back to the website or element that originally set the cookie. We use the term “cookies” in this policy to refer to all files that collect information in this way.

Your Consent
When you visit our websites, use our mobile applications or our web based services and your browser settings accept cookies, we consider this as acceptance of our use of cookies.

This policy and your consent applies to this website, application or web based service as well as all other websites, applications and web based services of SIRVA and our affiliates. For information about SIRVA and our affiliates please visit

Types of Cookies That we May use
Persistent cookies– These are the types of cookies that may be most familiar to you. A persistent cookie helps us recognize you as an existing user, so it’s easier to return to our site. They are stored on a users’ device in between browser sessions which allows the preferences or actions of the user across a site (or in some cases across different websites) to be remembered. Persistent cookies may be used for a variety of purposes including remembering users’ preferences and choices when using a site, data that you may input into a site or where you have previously visited.

Session cookies–Similar to persistent cookies these cookies allow websites to link the actions of a user during a browser session. They may be used to remember what pages a user has accessed as they browse around a site. They could also be used for security when a user is accessing services, sending emails or to facilitate use of webmail. However, these session cookies expire after a browser session so would not be stored longer term. For this reason session cookies may sometimes be considered less privacy intrusive than persistent cookies.

First and third party cookies– Whether a cookie is ‘first’ or ‘third’ party refers to the website or domain placing the cookie. First party cookies in basic terms are cookies set by a website visited by the user – the website displayed in the URL window. Third party cookies are cookies that are set by a domain other than the one being visited by the user. If a user visits a website and a separate company sets a cookie through that website this would be a third party cookie.

Although we do not use cookies to create a profile of your browsing behavior on third-party sites, we do use aggregate data from third parties and data from your profile and activity to show you relevant, interest-based advertising.

SIRVA Uses Cookies
Essential Cookies – We use cookies and similar tools across our websites to improve their performance and enhance your user experience. For example, they can help us to remember your username and preferences, analyze how well our website is performing, or even allow us to recommend content we believe will be most relevant to you.

Performance Cookies –We use cookies and other technologies to ensure everyone who uses our websites an applications has the best possible experience. Cookies also help us keep your account safe. By utilizing cookies to analyze how our visitors use our websites and to monitor website performance we can better provide a high quality experience by customizing our offering and quickly identifying and fixing any issues that arise. For example, we might use performance cookies to keep track of which pages are most popular, which method of linking between pages is most effective, and to determine why some pages are receiving error messages. We might also use these cookies to highlight articles or site services that we think will be of interest to you based on your usage of the website.

Functionality Cookies – We use functionality cookies to allow us to remember your preferences and recall your customization preferences, such as which regional edition of the website you want to see when you log in. We also use functionality cookies to provide you with enhanced services such as allowing you to watch a video online or provide a comment. May also use Cookies to check that content is being used in accordance with our terms and conditions.

Information Retention
How long a Cookies can remain depends based on the type of cookies. Session cookies expire when you close the browser. Persistent cookies, including have typical expiration dates ranging from two months up to several years.

How You Can Block or Stop Using Cookies
Most browsers allow you to control cookies through their settings preferences. However, if you limit the ability of websites to set cookies, you may worsen you overall user experience, since it will no longer be personalized to you. It may also stop you from saving customized settings like login information. Disabling cookies may prevent you from using certain parts of SIRVA websites. If you delete your cookies from the browser, you may need to remember to re-install opt-out cookies.

If you do not want to receive cookies, you can change your browser settings on your computer or other device you’re using to access our services. If you use SIRVA web sites, applications and web based services without changing your browser settings, we’ll assume that you’re happy to receive our cookies.

Please be aware that blocking or limiting the use of Cookies may not remove advertising from the pages you visit; it will mean that the ads you see will not be matched to your interests. To opt out of advertisements please contact us or follow the applicable opt out policy.

Other Users of Cookies on Our Sites
As we’ve explained above, cookies help you to get the most out of our websites.

We use or allow third parties to serve cookies that fall into the categories above. For example, like many companies, we use Google Analytics to help us monitor our website traffic. We may also use third party cookies to help us with market research, revenue tracking, improving site functionality and monitoring compliance with our terms and conditions and copyright policy.

We may track or allow our marketing partners to track your receipt, viewing and response to marketing emails and other web based marketing campaigns. That information may be used to provide you with opportunities (through marketing efforts) of services and products for which you have shown interest.

More Information
While we will honor your wishes if you elect to stop or limit the use of cookies we hope that you find the information on our sites valuable and the use of cookies helpful in your interactions with SIRVA and the information, services and products that we offer to you.

If you would like more information on how businesses use cookies, the following sites may provide you helpful guidance and information:

To learn more about advertisers’ use of cookies the following links are helpful:

Digital Advertising Alliance (EU)

Internet Advertising Bureau (US)

Internet Advertising Bureau (EU)

Network Advertising Initiative

If you have any queries regarding this Cookie Policy please contact our Privacy Officer at, by telephone at +1 (216) 606-7912  or by facsimile at +1 (216) 606-7654.

SIRVA, Inc. One Parkview Plaza, Oakbrook Terrace, Illinois 60181 (Reg. 2836093-Delaware-USA), +1 (800) 341-5648 or +1 (216) 606-7912, Leadership Team.