Lending Notices

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As a resident of California, you are entitled to specific protections and disclosures under state law, including:

• Right to a Copy of the Appraisal Report: California law entitles you to receive a copy of any appraisal report concerning your loan. We will provide this report at least three days before your loan closing.
• No Discrimination: In accordance with California law, we do not discriminate in the granting or negotiating of loans based on race, color, religion, sex, marital status, national origin, or any other protected class.
• Language Access: California consumers are encouraged to request assistance or require documents in their preferred language. While loan contracts might not be available in all languages, we strive to accommodate your language preferences during the lending process.

For additional information about your rights under California law or to lodge a complaint, you may contact the California Department of Financial Protection and Innovation at (866) 275-2677 or visit their website at www.dfpi.ca.gov.

Florida law provides residents with certain protections and rights in the mortgage lending process. We are committed to ensuring that all our clients are fully informed and treated fairly throughout their mortgage journey.

• Anti-Discrimination Policy: It is illegal to discriminate against any person making a loan application on the basis of race, color, religion, national origin, sex, marital status, age, or because they receive income from a public assistance program.
• Consumer Complaints: If you have a complaint about your mortgage process, Florida law allows you to file a complaint with the Florida Office of Financial Regulation. We strive to address and resolve any concerns directly, but you have the right to seek further assistance.

For additional details on your rights under Florida law or to file a complaint, you may contact the Florida Office of Financial Regulation directly through their website at www.flofr.gov or by phone at (850) 487-9687.

Texas law grants consumers certain rights regarding mortgage lending, which we are fully committed to observing and upholding. Here are some of the key protections provided to you:

• Texas Homestead Laws: Texas has unique homestead laws that protect your primary residence from forced sale by general creditors. We respect these provisions and ensure all our lending practices comply with these laws.
• Interest Rates: The interest rates on mortgage loans are subject to the limits set by Texas law. We always strive to offer competitive rates within these legal boundaries.
• Complaints and Inquiries: If you have any complaints or inquiries regarding your mortgage loan, Texas law empowers you to contact the Texas Department of Savings and Mortgage Lending. We are committed to resolving any issues promptly and fairly.

For additional information about your rights as a borrower or to file a complaint, you may contact the Texas Department of Savings and Mortgage Lending through their website at www.sml.texas.gov or by phone at (877) 276-5550