In accordance with state and federal regulations, the following disclosure and licensing information is available for you to review online:

Home Mortgage Disclosure Act (HMDA)
The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; income of applicants and borrowers; and information about loan approvals and denials. Inquire at 3200 Park Center Dr., Suite 150, Costa Mesa, CA 92626 regarding the location where HMDA data may be inspected. To receive a copy of the data, send a written request to:
  Home & Real Estate Services
Fair Lending Department
1239 Victoria Street, Suite K, Costa Mesa CA 92627

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.

  • 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
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

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:

Mortgage Companies
Federal Trade Commission
Equal Credit Opportunity

Room 4037
Washington DC 20580

Applicable state disclosure regulations require the following licenses to be explicitly disclosed:

  • Arizona Mortgage Banker License Number BK-0007670
  • Licensed by the California Dept. of Corporations under C.R.M.L.A.
  • Georgia Residential Mortgage Licensee
  • Illinois Residential Mortgage Licensee # 5670, William Darr, Commissioner of Banks, 310 S. Michigan Ave., Suite 2130, Chicago, IL 60604, Telephone (312) 793-3000.
  • In HI, MA & WY, all loans will be made by GMAC Mortgage Corporation, MA license number ML1556
  • New Hampshire Banking Dept. License Numbers 7144-MB-BCH and 7147-MHL-ADL
  • Licensed Mortgage Banker - New York State Banking Department
  • Licensed Mortgage Banker - New Jersey Department of Banking
  • Pennsylvania Department of Banking Licensee
  • Rhode Island Licensed Lender

Home & Real Estate Services
Fair Lending Department
1239 Victoria Street, Suite K, Costa Mesa CA 92627

Equal Housing Opportunity Lender

Special Notices
The following statement applies to advertisements in the State of Minnesota: This is not an offer to enter into an agreement. Any such offer may only be made in accordance with the requirements of Minn Stat Section 47.206 (3) and (4).

"Closing Costs Guaranteed" means that the lender's 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 up front fees" means that Home & Real Estate Services does not charge up front fees for application. This does not apply to optional "lock fees" that may be charged up-front if you choose an extended lock option when you first apply for your loan.

"24/7 service" means that Home & Real Estate Services has loan officers staffed 24 hours per day, seven days a week, except for all legal holidays or at any other time that Home & Real Estate Services may choose to close for any purpose. Other departments such as signing, servicing, loan processing, etc., are not staffed 24 hours a day and are generally available only during normal business hours.