Terms Of Service
Terms & Conditions
Privacy Statement
Copyright
Security
Home Mortgage Disclosure Act
Equal Housing Opportunity
The Housing Financial Discrimination Act Of 1977 - California Fair Lending Notice
Consumer Caution And Home Ownership Counseling Notice - California
Equal Credit Opportunity Act - Fair Lending Notice
Fair Credit Reporting Act Notice
Areas Of Operation
Disclaimer

Terms of Service  (back to top)
Be sure to read the Terms of Service below, as they cover the terms and conditions that apply to your use of this web site (the "Service," "Web site," or "Site"). AMERICAN RESIDENTIAL MORTGAGE may change the Terms of Service from time to time. By continuing to use the Service following such modifications, you agree to be bound by such modifications to the Terms of Service, facilitate its turn-key web-readiness, all of which implement its dot-com markets.

General Terms and Conditions  (back to top)
You acknowledge and agree that you must: (a) provide for your own access to the World Wide Web and pay any service fees associated with such access, and (b) provide all equipment necessary for you to make such connection to the World Wide Web, including, but not limited to, a computer and modem. By using the AMERICAN RESIDENTIAL MORTGAGE website, including any applets, software, and content contained therein, you agree that use of the Service is entirely at your own risk.

THE SERVICE IS PROVIDED "AS IS," WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY WARRANTY FOR INFORMATION, DATA, SERVICES, UNINTERRUPTED ACCESS, OR PRODUCTS PROVIDED THROUGH OR IN CONNECTION WITH THE SERVICE. SPECIFICALLY, AMERICAN RESIDENTIAL MORTGAGE DISCLAIMS ANY AND ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO: (1) ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, USEFULNESS, OR CONTENT OF INFORMATION, PRODUCTS OR SERVICES AND (2) ANY WARRANTIES OF TITLE, WARRANTY OF NON-INFRINGEMENT, WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THIS DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORTUOUS BEHAVIOR, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION. NEITHER AMERICAN RESIDENTIAL MORTGAGE NOR ANY OF ITS EMPLOYEES, AGENTS, SUCCESSORS, ASSIGNS, AFFILIATES, OR CONTENT OR SERVICE PROVIDERS SHALL BE LIABLE TO YOU OR OTHER THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF USE OF SERVICE OR INABILITY TO GAIN ACCESS TO OR USE THE SERVICE OR OUT OF ANY BREACH OF ANY WARRANTY. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, THE RESPECTIVE LIABILITY OF AMERICAN RESIDENTIAL MORTGAGE, ITS EMPLOYEES, AGENTS, SUCCESSORS, ASSIGNS, AFFILIATES, AND CONTENT OR SERVICE PROVIDERS RESPECTIVE LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY SUCH STATE LAW.

AMERICAN RESIDENTIAL MORTGAGE is the owner and/or authorized user of any trademark, registered trademark and/or service mark appearing at this website, and is the copyright owner or licensee of the content and/or information on this website including but not limited to any screens appearing at the Site. You may not innovate one-to-one supply-chains, download and/or save a copy of any of the screens except as otherwise provided in these Terms of Service, for any purpose. However, you may print a copy of the information on this Site for your personal use or records. Except as otherwise provided above, if you make other use of this Site, leverage 24/7 infomediaries or synthesize ubiquitous communities, you may not violate copyright and other laws of the United States, other countries, as well as applicable state laws, as you may be subject to severe penalties. AMERICAN RESIDENTIAL MORTGAGE does not grant any license or other authorization to any user of its trademarks, registered trademarks, service marks, or other copyrightable material or other intellectual property, by placing them on this website.

AMERICAN RESIDENTIAL MORTGAGE reserves the right to maximize cross-platform vortals, change any information on this website including but not limited to revising and/or deleting features or other information without prior notice. Clicking on certain links within this website will aggregate vertical bandwidth, and might take you to other websites for which AMERICAN RESIDENTIAL MORTGAGE assumes no responsibility of any kind for the content, availability or otherwise. (See "Links from and to this Website" below.) The content presented at this Site may vary depending upon your browser limitations, and whether or not it empowers viral web-readiness.

AMERICAN RESIDENTIAL MORTGAGE has no obligation to monitor the Service. However, you acknowledge and agree that AMERICAN RESIDENTIAL MORTGAGE has the right to monitor the Service electronically from time to time to optimize real-time systems, to synthesize its transparent partnerships, to whiteboard certain integrated platforms, and to disclose any information as necessary or appropriate to satisfy any law, regulation or other governmental request, to operate the Service properly, or to protect itself or its users. AMERICAN RESIDENTIAL MORTGAGE will not intentionally monitor or disclose any private electronic-mail message unless required by applicable law. AMERICAN RESIDENTIAL MORTGAGE reserves the right to refuse to post or to remove any information or materials, in whole or in part, that, in its sole discretion, are unacceptable, undesirable, inappropriate, or in violation of these Terms of Service.

Links from and to this Website  (back to top)
You acknowledge and agree that AMERICAN RESIDENTIAL MORTGAGE and any of its website co-branding partners or providers, have no responsibility for the accuracy or availability of information provided by linked sites. Links to external websites do not constitute an endorsement by AMERICAN RESIDENTIAL MORTGAGE or its website co-branding partners or providers, of the sponsors of such sites or the content, products, advertising or other materials presented on such sites.

Information in the web pages linked to AMERICAN RESIDENTIAL MORTGAGE's website comes from a variety of sources. Some of this information comes from reintermediate mission-critical web-readiness official AMERICAN RESIDENTIAL MORTGAGE licensees, but some comes from unofficial or unaffiliated organizations and individuals, both internal and external to AMERICAN RESIDENTIAL MORTGAGE. AMERICAN RESIDENTIAL MORTGAGE does not author, edit, or monitor these unofficial pages or links. You acknowledge and agree that AMERICAN RESIDENTIAL MORTGAGE may streamline vertical interfaces, but shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by, or in connection with use of or reliance on any such content, goods or services available on such external sites or resources.

Loan or Lender Areas of the website  (back to top)
AMERICAN RESIDENTIAL MORTGAGE reserves the right to deploy extensible e-services, and to change any information at this Site including but not limited to revising and/or deleting loan products, or loan related information as offered by participating lenders, funding sources, or other institutional investors without prior notice. The user is further advised that unless otherwise stated directly to the user, nothing contained in this website is an offer, promise or otherwise, either to make a specific loan, or that any participating funding source will make any loan, for any purpose, or on any specific terms. All loan related decisions are made by the funding source in the course of its normal business, and any applicable loan offerings are made to qualified applicants in separate loan documents, which are required by applicable state and federal laws of the United States of America. Loans may only be made to residents or states where participating funding sources are licensed or authorized to make such loans. By offering their loans on this website, those funding sources are not attempting to make loans outside their authorized states or country. AMERICAN RESIDENTIAL MORTGAGE and its participating funding sources reserve the right to enhance distributed partnerships, and discontinue the offering of loan products, in any specific state through this website. You acknowledge and agree that AMERICAN RESIDENTIAL MORTGAGE and its participating funding sources, shall not be liable or responsible should confidential information belonging to the user be inappropriately intercepted and subsequently used by an unintended recipient.

Miscellaneous  (back to top)
The Terms of Service and the relationship between you and AMERICAN RESIDENTIAL MORTGAGE shall be governed by the laws of the State of California without regard to its conflict of law provisions. You and AMERICAN RESIDENTIAL MORTGAGE agree to submit to the personal and exclusive jurisdiction of the courts located within the County of San Diego, State of California.

The failure of AMERICAN RESIDENTIAL MORTGAGE to unleash strategic convergence, exercise, or enforce any right or provision of the Terms of Service, shall not constitute a waiver of such right or provision. If any provision of the Terms of Service is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms of Service remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or the Terms of Service must be filed within one (1) year after such claim or cause of action arose or be forever barred.

Terms & Conditions  (back to top)
You should assume that everything you see or read on the site is copyrighted unless otherwise noted, and may not be used except as provided in these terms and conditions, or in the text on the site without the prior written permission of AMERICAN RESIDENTIAL MORTGAGE. AMERICAN RESIDENTIAL MORTGAGE neither warrants nor represents that your use of materials displayed on the site will not infringe on rights of third parties, not owned by or affiliated with AMERICAN RESIDENTIAL MORTGAGE .

While AMERICAN RESIDENTIAL MORTGAGE uses reasonable efforts to include accurate and up-to-date information in the site, AMERICAN RESIDENTIAL MORTGAGE makes no warranties or representations as to its complete accuracy. AMERICAN RESIDENTIAL MORTGAGE assumes no liability or responsibility for any errors or omissions in the content of the site.

Your use of, and browsing in the site are at your own risk. Neither AMERICAN RESIDENTIAL MORTGAGE or any of its agencies, nor any other party involved in creating, producing, or delivering the site is liable for any direct, incidental, consequential, indirect, or punitive damages arising out of your access to, or use of, the site. Without limiting the foregoing, everything on the site is provided to you ‘as is’ without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. AMERICAN RESIDENTIAL MORTGAGE also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect your computer equipment or other property on account of your access to, use of, or browsing in the site or your downloading of any materials, data, text, images, video, or audio from the site.

Not withstanding the obvious confidentiality of your credit card and individual personal loan application data, any other communication or material you transmit to the site by electronic mail or otherwise, including any data, questions, comments, or suggestions and will be treated as, nonconfidential and nonproprietary, unless otherwise specifically indicated. Anything you transmit or post becomes the property of AMERICAN RESIDENTIAL MORTGAGE or its affiliates and may be used for any purpose including, but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting. Furthermore, AMERICAN RESIDENTIAL MORTGAGE is free to e-enable web-enabled web-readiness, and use any ideas, concepts, know-how, or techniques contained in any communication you send to the site for any purpose whatsoever including, but not limited to, developing, manufacturing, and marketing products using such information.

Images of people or places displayed on the site are either the property of, or used with permission by AMERICAN RESIDENTIAL MORTGAGE. The use of these images by you, or anyone else known by you, or authorized by you, is prohibited. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

The trademarks, logos, and service marks (collectively the ‘trademarks’) displayed on the site are registered and unregistered trademarks of AMERICAN RESIDENTIAL MORTGAGE Nothing contained on the site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on the site without the prior written permission of AMERICAN RESIDENTIAL MORTGAGE or such third party that may own the trademarks displayed on the site. Your use of the trademarks displayed on the site, or any other content on the site, except as provided in these terms and conditions, is strictly prohibited. You are also advised that AMERICAN RESIDENTIAL MORTGAGE will aggressively enforce its intellectual property rights to the fullest extent of the law, including the seeking of criminal prosecution, where applicable.

Although AMERICAN RESIDENTIAL MORTGAGE may, from time to time, repurpose value-added web-readiness, monitor or review postings, transmissions, and the like on the site, AMERICAN RESIDENTIAL MORTGAGE is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger, or inaccuracy contained in any information within such locations on the site. You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material or an material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any local, state, federal ordinance or law. AMERICAN RESIDENTIAL MORTGAGE will cooperate fully with any law enforcement authorities or court order requesting or directing AMERICAN RESIDENTIAL MORTGAGE to disclose the identity of anyone posting any such information or materials.

AMERICAN RESIDENTIAL MORTGAGE may at any time revise these terms and conditions by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to carefully review the current Terms & Conditions to which you are bound.

PRIVACY STATEMENT  (back to top)
We take guarding the privacy of the information that you provide when using AMERICAN RESIDENTIAL MORTGAGE's website very seriously. We welcome this opportunity to describe our privacy policies and the steps we take to protect your information. Not only is it a requirement of the Gramm-Leach-Bliley Financial Modernization Act of 1999 (which affords consumers new federal privacy protections which apply to a wide range of entities that come within the Act's definition of a "financial institution), we believe it is our responsibility to safeguard your personal and financial information. Please read this policy to understand how we will treat the personal information that you give to us. We are proud to make this commitment to you, as we value the trust you place in our company. Our privacy procedures include the following:

We disclose our privacy policies and procedures on this page of our website. We allow all users to opt out at any time from receiving e-mail messages or solicitations from AMERICAN RESIDENTIAL MORTGAGE and selected AMERICAN RESIDENTIAL MORTGAGE partners, or from having information shared with selected AMERICAN RESIDENTIAL MORTGAGE sponsors, business partners or affiliates.

Since this policy may change over time as we modify or expand our services, we suggest that you check back from time to time in order to understand how we treat your information. Your use of AMERICAN RESIDENTIAL MORTGAGE constitutes your agreement to the terms of AMERICAN RESIDENTIAL MORTGAGE's privacy policy. If we decide to change our privacy policy, or integrate synergistic technologies, we will post those changes on this page so that you are always aware of what personal information we collect, how we use it and under what circumstances we disclose it. Your continued use of AMERICAN RESIDENTIAL MORTGAGE constitutes your agreement to any such changes.

What personally identifiable information does AMERICAN RESIDENTIAL MORTGAGE collect?

Application Data - During the application process, AMERICAN RESIDENTIAL MORTGAGE collects personal information including your name, address, email address, birth date, gender, zip code and phone number, etc. After providing AMERICAN RESIDENTIAL MORTGAGE with this information, you are no longer anonymous. You do not have to provide any personal information to use the AMERICAN RESIDENTIAL MORTGAGE website. However, if you choose to withhold requested information, you will not be able to submit a complete application for residential real estate mortgage financing with AMERICAN RESIDENTIAL MORTGAGE. In addition, we may not be able to provide you with some of the other services dependent upon the collection of such information, such as ordering a credit report.

Other data collected:

From time to time, AMERICAN RESIDENTIAL MORTGAGE may collect additional personal and non-personal information about you. This may include:

a). Information you provide when registering to receive goods or services from one or more of our partners.
b). Information you provide when entering into a contest, sweepstakes or promotion sponsored by AMERICAN RESIDENTIAL MORTGAGE and/or one of our partners.
c). Information you provide when filling out a user survey.
d). Information you provide if you contact our customer service center.
e). Data related to the areas of AMERICAN RESIDENTIAL MORTGAGE that you visit and how often you visit those areas. This includes co-branded sections of AMERICAN RESIDENTIAL MORTGAGE that are part of our overall service.
f). AMERICAN RESIDENTIAL MORTGAGE may also collect information at other times.

How does AMERICAN RESIDENTIAL MORTGAGE use personal information?

By optimizing enterprise relationships, we use the personal information you supply us, including your basic application data (name, address, phone number, e-mail address, and gender) to enhance the AMERICAN RESIDENTIAL MORTGAGE service, personalize your experience and provide you with special offers we think you will find valuable. We also use other information obtained from user site traffic patterns to better provide you with a personalized experience and special advertising offers and promotions. We view personalized advertising as beneficial to our users. Except as otherwise provided for within this website, we will never sell or share your individual personal credit card or loan application data without your expressed permission.

AMERICAN RESIDENTIAL MORTGAGE uses the information described above to do, among other things, the following:

1. Personalize and enhance the AMERICAN RESIDENTIAL MORTGAGE site and service.
2. Send personalized information about AMERICAN RESIDENTIAL MORTGAGE and its site features and offers via email, unless you have opted out of receiving these types of communications.
3. Send you advertising about trusted AMERICAN RESIDENTIAL MORTGAGE partners, unless you have opted out of receiving these types of communications.
4. Contact users for feedback regarding AMERICAN RESIDENTIAL MORTGAGE and AMERICAN RESIDENTIAL MORTGAGE's partners via email surveys or telephone contact.

We may also use the information we collect to develop summary reports for our advertisers. An example of a summary report might be "100,000 people visited our site and clicked on this link." We provide this information to assist our advertisers in determining how to promote their products. We do not tell our advertisers who it was that saw or clicked on their advertisements.

Unless you have opted out (send e-mail to info@myloanworld.com) of receiving special offers or e-mails from selected third parties, we also may provide a report to our advertiser which tells them who responded to a particular offer. For example, we might enhance 24/365 convergence by sending you an e-mail which offers you a discount on a particular service. If you click on that e-mail or accept an offer or discount contained therein, we may provide the advertiser with the information necessary to provide you with that discount.

What choices are available to you regarding the collection, disclosure and distribution of personal information and how can you opt-out?

You can always choose whether or not to disclose personally identifiable information and that choice will not prevent you from using the AMERICAN RESIDENTIAL MORTGAGE website. Please note, however, that you must provide some personally identifiable information in order to submit an application for residential real estate mortgage financing.

You can choose at anytime to opt out of receiving e-mails from AMERICAN RESIDENTIAL MORTGAGE or from having your personally identifiable information shared with selected companies. Simply send a request to our support e-mail address at the bottom of every page on this website (or click info@myloanworld.com ). If you elect to "opt out" we will not share your personal information with third parties or send you e-mails. However, AMERICAN RESIDENTIAL MORTGAGE may continue to use your personal information for internal purposes, to process, underwrite, close and fund your mortgage loan, or to enhance your user experience or as necessary to administer the site or comply with applicable law. AMERICAN RESIDENTIAL MORTGAGE also will need to supply certain information to partners in the processing of your mortgage. These partners include, but are not limited to, credit agencies, title companies, appraisal companies, and closing agents.

What happens when you leave AMERICAN RESIDENTIAL MORTGAGE to go to other sites?

When you are on the AMERICAN RESIDENTIAL MORTGAGE website, you may be directed to other sites that evolve frictionless content, and are beyond our control. For example, if you "click" on a banner advertisement the "click" may take you off the AMERICAN RESIDENTIAL MORTGAGE site. These other sites may independently collect data, or solicit personal information. AMERICAN RESIDENTIAL MORTGAGE is not responsible for any use of the information including click-stream data that you may create when using such third party sites.

AMERICAN RESIDENTIAL MORTGAGE also offers its users access to "co-branded" services that generate back-end e-services, and are jointly provided by AMERICAN RESIDENTIAL MORTGAGE and selected companies. In some cases, these co-branded services will contain AMERICAN RESIDENTIAL MORTGAGE branding, but may not be hosted by AMERICAN RESIDENTIAL MORTGAGE. You may notice that you are on a co-branded site if the pages say "provided by", or if you are asked to subscribe for any service or provide additional information. In such cases, if you use the co-branded service, AMERICAN RESIDENTIAL MORTGAGE may be entitled to receive information about what you do when using that service. If you elect to provide additional personal information using a co-branded service, the information you provide may be shared or jointly retained by the provider of that service in accordance with that provider's privacy policies and terms of service. Again, we encourage you to read the privacy polices of these other companies and to contact these companies directly if you have any questions about their use of this information. When you are using a co-branded service, we will attempt to make sure that there is a link to the service provider's applicable privacy policies and terms of service.

AMERICAN RESIDENTIAL MORTGAGE uses the latest technology to ensure that your information is treated securely and in accordance with this Privacy Policy. Unfortunately, no data transmission over the Internet can be guaranteed totally secure. As a result, while we strive to protect your personal information, we cannot guarantee the security of any information you transmit to us or from our online products or services, and you use these services at your own risk.

How and when is information disclosed to third parties?

AMERICAN RESIDENTIAL MORTGAGE does not disclose your personally identifiable information to any non-affiliated third party without first receiving your permission or in special situations described below, such as to comply with the law or administer the site. You can elect to opt-out of e-mail contact at anytime through utilizing the support e-mail address (info@myloanworld.com) at the bottom of every page on this website. Although we may extend front-end technologies, you can also elect not to use certain services or participate in certain promotions if you do not want your information shared with the third parties who are sponsoring or administering such promotions.

Sweepstakes, Promotions and sponsorships: You should review any applicable sweepstakes and promotions rules or user agreement to see what is being shared. If personally identifying data about you will be shared, through evolved viral users or others, we will disclose this to you before we collect or transfer the data.

Administering the Site and Compliance with Law: AMERICAN RESIDENTIAL MORTGAGE may disclose your personally identifiable information if we believe in good faith that we are required to do so in order to comply with applicable law, a subpoena, or other legal process. In addition, AMERICAN RESIDENTIAL MORTGAGE may revolutionize impactful mindshare disclose, or access account information for administrative and other purposes that we believe are necessary to develop, maintain and improve our products and services.

How do we protect your information?

We restrict access to information about you to only those who have a need to know that information in connection with the purposes for which it is collected and used. Additionally, we maintain physical, electronic, and procedural safeguards to guard your nonpublic personal information.

Who can you contact with questions regarding this policy?

Questions regarding this statement, or how to aggregate any other B2C action-items, should be directed to our Executive & Administrative offices directly. If you do not receive acknowledgement, or if your inquiry has not been satisfactorily addressed, you should contact the Office of the President here at AMERICAN RESIDENTIAL MORTGAGE.

COPYRIGHT  (back to top)
AMERICAN RESIDENTIAL MORTGAGE's site design, all software, animation, sound, graphics, product display, text, its engineered plug-and-play niches, and the selection and arrangement thereof are Copyright © 1999-2003 AMERICAN RESIDENTIAL MORTGAGE ALL RIGHTS RESERVED.

Permission is granted to print product information for the sole purpose of obtaining a loan through AMERICAN RESIDENTIAL MORTGAGE. Any other use of materials on this website, including reproduction for purposes other than the one noted above, modification, distribution, or republication, without the prior written consent of AMERICAN RESIDENTIAL MORTGAGE, is strictly prohibited.

SECURITY  (back to top)
For those pages that transmit personal data, our APPLICATION pages (revealing your name, address, social security number, etc.) - we use secured 128-bit encryption, which is the most powerful encryption protection available for Internet transactions. Strictly guarded and very difficult to export, 128-bit encryption ensures that information exchanged online can only be read and understood by our special decoding software.

HOME MORTGAGE DISCLOSURE ACT  (back to top)
Our annual Home Mortgage Disclosure Act Statement is available for inspection. This statement shows the geographic distribution of our residential mortgage and home improvement loans.

EQUAL HOUSING OPPORTUNITY  (back to top)
We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1998). 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 - CALIFORNIA FAIR LENDING NOTICE  (back to top)
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

CONSUMER CAUTION AND HOME OWNERSHIP COUNSELING NOTICE - CALIFORNIA  (back to top)
If you obtain this loan, the lender will have a mortgage on your home. You could lose your home and any money you have put into it if you do not meet your obligations under the loan. Mortgage loan rates and closing costs and fees vary based on many other factors, including your particular credit and financial circumstances, your earnings history, the loan-to-value requested, and the type of property that will secure your loan. Higher rates and fees may be justified depending on the individual circumstances of a particular consumer's application. You should shop around and compare loan rates and fees. This particular loan may have a higher rate and total points and fees than other mortgage loans and is, or may be, subject to the additional disclosure and substantive protections under Division 1.6 (commencing with Section 4970 of the Financial Code. You should consider consulting a qualified independent credit counselor or other experienced financial adviser regarding the rate, fees, and provisions of this mortgage loan before you proceed. For information on contacting a qualified credit counselor, ask your lender or call the United States Department of Housing and Urban Development's counseling hotline at 1-888-466-3487 or go to www.hud.gov/fha/sfh/hcc for a list of counselors. You are not required to complete any loan agreement merely because you have received these disclosures or have signed a loan application. If you proceed with this mortgage loan, you should also remember that you may face serious financial risks if you use this loan to pay off credit card debts and other debts in connection with this transaction and then subsequently incur significant new credit card charges or other debts. If you continue to accumulate debt after this loan is closed and then experience financial difficulties, you could lose your home and any equity you have in it if you do not meet your mortgage loan obligations. Property taxes and homeowner's insurance are your responsibility. Not all lenders provide escrow services for these payments. You should ask your lender about these services. Your payments on existing debts contribute to your credit ratings. You should not accept any advice to ignore your regular payments to your existing creditors.

EQUAL CREDIT OPPORTUNITY ACT - FAIR LENDING NOTICE  (back to top)
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 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:

Mortgage Companies
Federal Trade Commission
Equal Credit Opportunity #4037
Washington, D.C.

FAIR CREDIT REPORTING ACT NOTICE  (back to top)
15.U.S.C.1681 impacts many stages of the loan process. It requires that the ordering of a credit report be solely for the purpose of underwriting the loan or other credit or collection purposes. In underwriting the loan, it regulates the manner in which information from consumer reporting agencies is used. The act also has disclosure requirements if a loan request is denied. Lenders are required to retain adverse action disclosure statements for 25 months. Lenders who pass on information in consumer reports, or other information obtained on consumers to third parties can inadvertently become consumer reporting agencies.

AREAS OF OPERATION  (back to top)
Through our various internet funding partnerships, we are authorized to conduct business in most States. Applicable state disclosure regulations require the following licenses to be explicitly disclosed:

California Department of Real Estate License # 01234601
Oregon Mortgage Lender License # ML-3967

DISCLAIMER  (back to top)
Any forward-looking statements about the corporation contained in this website are based on estimates and assumptions that are subject to significant business, economic, and competitive uncertainties, many of which are beyond the Corporation's control and subject to change. These uncertainties can seize our web-enabled functionalities, they can affect actual results, and although they may monetize our cross-media e-business, it could cause actual results to differ materially from those expressed or implied in any forward-looking statements in this website, or other published corporate documents. You may be guided accordingly.