In accordance with State and Federal regulations, we will send you the following disclosures and licensing information upon receipt of your application:

• Home Mortgage Disclosure Act (HMDA)
  Data exhibits geographic distribution of loans and applications; income of applicants and borrowers; and information about loan approvals and denials.
• Equal Housing Opportunity Lender
  Our business is conducted in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988), whereby it is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin.
• Equal Credit Opportunity Act Fair Lending Notice
  Prohibits creditors from discriminating against 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); all or part of an applicant’s income derived from a public assistance program; or because an applicant has exercised a right under the Consumer Credit Protection Act in good faith.
• State Licenses
  Any applicable State disclosure regulations that require licenses to be explicitly disclosed.
• Other Special Notices
  Any applicable advertising or other notices that require disclosure.

The size of the Mortgage Application files may take about a minute to download depending on the speed of your connection. You will need Adobe Acrobat Reader to view this PDF file. Most computers already have the FREE version pre-installed. If yours does not, please download it now.