Legal Disclaimers

All program rates & terms are subject to change without notice. At this time we originate California home loans. We are licensed by the California Bureau of Real Estate - CA Broker Lic #00848778, NMLS #2084822, and Lic #02111589. The information contained on this website is provided as a supplemental resource. Readers having legal or tax questions are urged to obtain advice from their professional legal or tax advisors. While the aforementioned information has been collected from a variety of sources deemed reliable, it is not guaranteed and should be independently verified. Any mortgage program information provided on this website or via email is merely an overview used for basic informational purposes only. The applicant should review the detailed written pre-disclosures provided for a complete summary and understanding of the program described. Program information does not represent a final approval, guarantee or promise to loan funds. All program rates & terms are subject to change without notice. We are licensed under the California Bureau of Real Estate - Phone (916) 227-0864, CA Broker Lic #00848778,  NMLS ID #356010Other State & Federal Disclosures:Equal Housing LenderWe and our lenders 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. Bureau 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 NoticeIt 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 one to a four-unit family residence. If you have any questions about your rights, or if you wish to file a complaint, contact California Bureau of Real Estate P.O. Box 187000 Sacramento, CA 95818-7000 (916) 227-0864Fair Lending Policy StatementIt is our policy to comply with the Equal Credit Opportunity Act and the Fair Housing Act. In addition, it is our policy to comply with state laws that provide greater protection. We nor any of our lenders discriminate against any applicant on the basis of race; color; religion; creed; national origin; ancestry; sex; marital status; familial status (number and age of children); sexual orientation; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; disability; physical condition; military status; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Servicemembers Civil Relief Act (SCRA); that all or part of a consumer's income derives from a public assistance program; or any other basis prohibited by law.

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