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In accordance with state and federal regulations, the
following disclosure and licensing information is available
for you to review online: Equal Housing Opportunity Lender 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:
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 It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of:
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:
2201 Broadway Sacramento, CA 95818-2500 Equal Credit Opportunity Act Fair Lending Notice 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 that 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:
Equal Credit Opportunity Room 4037 Washington DC 20580 "Closing Costs Guaranteed" means that LoanGal.com fees for your loan application will not change between the time you apply and the time you close, assuming the following: The loan amount does not change, the rate and points option you choose does not change, the loan program you applied for does not change, and any stated items on your application, such as your stated income, assets, job history, address history, or any other factor that may affect the underwriting decision of the loan you applied for do not change. "No fees prior to closing" means that LoanGal.com does not charge up-front fees for application. LoanGal.com offers various rate lock-in periods depending on the loan details. In consideration for locking in a rate, LoanGal.com must receive a lock-in deposit or credit card pre-approval. Please call for complete details. Applicable state disclosure regulations require the following licenses to be explicitly disclosed:
To help us prevent fraud and to assist the government in fighting the funding of terrorism and money laundering activities, we are obtaining, verifying, and recording information that identifies each person who obtains a mortgage loan with us. What this means for you: When you obtain a mortgage loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
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