Disclosures

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 We provide our clients with a Truth in Lending Disclosure that outlines the costs of your credit, ensuring transparency and fairness. This disclosure includes the Annual Percentage Rate (APR), finance charges, the amount financed, the total of payments, and the payment schedule. Our goal is to help you understand the full costs of your loan upfront, with no surprises. 

 Our process is designed to comply with the Real Estate Settlement Procedures Act (RESPA), ensuring you receive detailed information about closing costs and settlement procedures. Prior to closing, you will receive a Closing Disclosure, which outlines your loan terms, final closing costs, and any outstanding charges or fees. This ensures that you have a clear understanding of your financial responsibilities at closing 

 We adhere to the Equal Credit Opportunity Act (ECOA), which prohibits discrimination against applicants on the basis of race, color, religion, national origin, sex, marital status, age, or because they receive public assistance. Our commitment is to provide equal access to credit for all applicants, ensuring fair and equitable treatment throughout the lending process. 

 Fair Lending is at the heart of our operations. We are committed to providing access to credit for all individuals, regardless of race, color, religion, national origin, sex, marital status, age, or any other protected status. We uphold the principles of fair lending and work diligently to ensure that all applicants are treated with fairness, dignity, and respect.