LEGAL DISCLOSURES
The following disclosures and licensing information regarding home mortgages are made available for you to review online:
Equal Opportunity Lending Compliance:
We are an equal housing opportunity lender and conduct our business in compliance with the Federal Fair Housing Law. It is illegal to discriminate against any person on the basis of ancestry, color, familial status, handicap, national origin, race, religion or sex, in any phase of our business leading up to and culminating in making residential mortgage loans.
Any person dealing with us, who feels discriminated against, may file a complaint with HUD by calling (toll-free): 800-669-9777, or tdd (toll-free): 800-927-9275, or by writing to them: Assistant Secretary for Fair Housing and Equal Opportunity, U.S. Department of Housing and Urban Development, Washington, DC 20410.
Home Mortgage Lending Data:
You may review data about our residential mortgage lending in accordance with the Home Mortgage Disclosure Act (HMDA), that show: geographic distribution of loans and applications; income of applicants and borrowers; and information about loan approvals and denials. Please write to our Compliance Officer to arrange to come in or to receive your own copy, at:
Lending Century
995 Montague Expressway, Suite 221
Milpitas, CA 95035
Nondiscriminatory Financial Assistance Compliance:
We are in compliance with the requirements of the Housing Financial Discrimination Act, that makes it illegal to discriminate in providing for or making available financial assistance of any kind with respect to owner-occupied one-to-four-unit residences, that is based on:
| (a) |
Characteristics, conditions or trends in the neighborhood or other geographic area surrounding a housing accommodation, unless we can demonstrate that such consideration in your case is required to avoid an unsafe and unsound business practice; |
| (b) |
Your ancestry, color, familial status, handicap, national origin, race, religion or sex; or |
| (c) |
The ethnic, national origin, racial or religious composition of a neighborhood or geographic area surrounding a housing accommodation, or whether such composition is undergoing, or is expected to undergo, change - in appraising the property or in determining whether, or under what terms or conditions, to provide financial assistance. |
If you have any questions about your rights, or about our compliance, please write to:
Lending Century
995 Montague Expressway, Suite 221
Milpitas, CA 95035
Nondiscriminatory Credit Application Compliance:
We are committed to compliance with the Federal Equal Credit Opportunity Act which prohibits discrimination of any kind against applicants for mortgage loans because of:
| (a) |
Ancestry, color, familial status, handicap, national origin, race, religion or sex; or |
| (b) |
The fact that the applicant in good faith exercised any rights under the Consumer Credit Protection Act. |
Under all circumstances, however, the applicant must have the legal capacity to enter into a binding contract.
If questions or complaints arise, please write to our office:
Lending Century
995 Montague Expressway, Suite 221
Milpitas, CA 95035
or write to:
Mortgage Company Equal Credit Opportunities
Federal Trade Commission - Room 4037
Washington, DC 20580
Consumer Credit Score Disclosure:
We will furnish to you the computer-generated credit scores (usually referred to as FICO Scores) that are calculated by the credit reporting agencies, based on the information supplied by you and otherwise contained in their files. It is very important that you review the credit-related information to make sure it is accurate in all respects. You will also receive contact information to report any corrections noted by you.