Mortgage Disclosures

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, and in advertising it
• In the financing of housing
• In the provision of real estate brokerage service
• In the appraisal of housing (blockbusting is also illegal)

It is our policy to comply with the Equal Credit Opportunity Act and the Fair Housing Act, as well as state laws that provide greater protection. Loan Factory does not discriminate against any applicant on any basis prohibited by law, and does not discourage anyone on a prohibited basis from applying.

• We do not vary the terms of a loan — amount, interest rate, period, or type — on a prohibited basis.
• We avoid practices or policies that have a discriminatory effect, even if unintended or seemingly neutral.
• We use nondiscriminatory underwriting standards, made public on request, and an empirically derived, statistically sound scoring system.
• We train loan personnel in fair processing and underwriting, and our Quality Control Manager regularly reviews standards and practices.

Under the Housing Financial Discrimination Act of 1977, it is illegal to discriminate in the provision of or availability of financial assistance based on the neighborhood or geographic area surrounding a housing accommodation (unless required to avoid an unsafe and unsound business practice), or based on race, color, religion, sex, marital status, national origin, or ancestry.

These provisions govern financial assistance for the purchase, construction, rehabilitation, or refinancing of owner-occupied one- to four-unit family residences and for home improvement of any such residence. If you have questions about your rights or wish to file a complaint, contact the management of this institution or the California Department of Financial Protection and Innovation.

To help prevent fraud and assist the government in fighting the funding of terrorism and money-laundering activities, we obtain, verify, and record information that identifies each person who applies for or obtains a mortgage loan.