Americana Mortgage Group Home | About Us | Contact Us
need help?

(888)-262-6685

Custom Loan Quote
First Name
Last Name
Email
Phone
Loan Amount
MMG Report
In The News...
The Commerce Department reported today that March New Single-Family Home Sales plunged by 14.5% from February to an annual rate of 384,000 units. The 384,000 was far below the 455,000 that was expected with declines in three of the four U.S. regions....

Protect Your Identity
The Identity Theft Assumptions Deterrence Act, passed in 1998 closes vital gaps against identity theft. This law offers the strongest protection ever against this type of crime. It also redefines the theft of personal information as a crime.

In the past. consumers were left to repair damaged credit reports and the credit card companies were considered the victims of identity theft. This law allows victims of idenity theft to seek compensation for "identifiable losses" as well as expenses related to clearing their name and credit history. Unlike previous federal legislation, this identity theft law allows law enforcement officials to prosecute criminals who steal personal information.

"The Identity Theft and Associations Deterrence Act" includes the following measures to protect you and other consumers:
  • Making identity theft across state lines a crime with a punishment of a fine and imprisonment of up to 15 years.
  • Allowing restitution to the victim.
  • Increasing levels of jail time, depending on how many victims the criminal defrauds.
  • Requiring the U.S. Secret Service to keep statistics on the identity theft cases they handle and which are reported to them by state and local authorities, and by financial institutions.
If you have been a victim of identity theft, you can contact the Federal Trade Commission's complaint center by calling (202) FTC-HELP or sending an email from their website at http://www.ftc.gov/ftc/complaint.htm. Or, you can write to: Consumer Response Center, Federal Trade Commission, CRC-240, Washington, D.C. 20580.


Protecting your identity
  • Monitor your credit. Check your credit report regularly. Obtain your Social Security Earnings and Benefits statement once a-year to ensure that no one is using your social security number for employment. Social Security Administration (800) 772-1203.
  • Check your bills. Carefully study your credit card statements, phone and utility bills and cancelled checks for unauthorized use.
  • Carry only what you need. Try to leave your social security card and extra credit cards in a safe place. Protect your records. Keep a list of all your bank accounts, credit cards, account numbers, and customer service numbers in a secure place.
  • Choose proper passwords. When creating personal identification numbers (PIN) avoid using anything easy to figure out, and change them regularly.
  • Keep your Social Security number secret. Don't give it out. It's only necessary for certain items such as tax forms, employment records, banking, and property transactions.
  • Shred any documents that have any personal information or credit account numbers on them before discarding.
  • Cover the screen or keypad when using an ATM or public phone so thieves can't read your personal identification number (PIN).
  • Mail Strategically. Always drop your mail in the U.S. Postal blue boxes or at the post office, don't leave it in your mailbox at home.
  Americana Mortgage Group
1615 Northern Boulevard, Suite 404
Manhasset, NY 11030
Phone (516) 627-0200
Fax (516) 627-0229

State Licensing Information|Privacy|Legal|Patriot Act
Equal Housing Opportunity


All content 1999- MorSystems™ All rights reserved.
Account login
 
Americana Mortgage Group - Site Map

Homebuying Center
Mortgage and lending information for purchase and home buying loans.
Refinance Center
Mortgage and lending information for refinance loans.
Home Equity Center
Mortgage and lending information for home equity loans.
Learning Center
Mortgage, lending, and credit information.
Less Than Perfect Credit
Learn how credit scoring works and how you can improve your credit score.
Financial Calculators
Financial, mortgage and lending calculators.
Commercial Loans
Commercial loans programs and information.
Construction Loans
Commercial loans programs and information.
Interest Only Loans
Interest only loan programs and information.
Relocation Loans
Relocation loan programs and information.
About Americana Mortgage Group
-
Mortgage Options & Programs
-
In The News!
-
Loan Agents
The best loan agents.
Staff
Our Staff Members.
Realtors
Our favorite real estate agents.
Cities we serve
450 | 40

Mortgage web site design powered by MorSystems. Get your own mortgage website at MorSystems.com. Free trials for all mortgage websites.