Disclosures

In accordance with state and federal regulations, the following disclosure and licensing information is available for you to review online:

• Equal Housing Opportunity Lender


• The Housing Financial Discrimination Act of 1977


• Equal Credit Opportunity Act Fair Lending Notice


• Good Faith Estimate


• State Licenses

Equal Housing Opportunity Lender

We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin:

• In the sale or rental of housing


• In advertising the sale or rental of housing


• In the financing of housing


• In the provision of real estate brokerage service


• In the appraisal of housing


• Blockbusting is also illegal

Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (toll free), or 1-800-927-9275 (tdd), U.S. Department of Housing and Urban Development Assistant Secretary for Fair Housing and Equal Opportunity, Washington DC 20410.

The Housing Financial Discrimination Act of 1977

It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of:

• Trends, characteristics, or conditions in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate in the particular case that such consideration is required to avoid an unsafe and unsound business practice.


• Race, color, religion, sex, marital status, national origin, or ancestry.

It is illegal to consider the racial, ethnic, religious, or national origin composition of a neighborhood or geographic area surrounding a housing accommodation, or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, and under what terms and conditions, to provide financial assistance. These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation, or refinancing of one- to four-unit family residences occupied by the owner and for the purpose of the home improvement of any one to four-unit family residence.

If you have any questions about your rights, or if you wish to file a complaint, contact the management of this financial institution or:

• Department of Corporations
• 320 West 4th Street
• Suite 750
• Los Angeles, CA 90013-1105

Equal Credit Opportunity Act Fair Lending Notice

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning the creditor is:

• Federal Trade Commission
• Equal Credit Opportunity
• Room 4037
• Washington DC 20580

Good Faith Estimate

The Real Estate Settlement Procedures Act (RESPA) says that a mortgage lender must provide the customer a Good Faith Estimate. The estimate is of any fees or costs associated with the loan due at closing. It must be provided to the customer three days after applying for the loan.

State Licensing

• Venice Florida: MBB 0702441


• Sarasota Florida: MBB 0804065


• Nebraska: 1769