Equal Credit Opportunity
We are an equal housing opportunity lender and conduct our business
in compliance with the Equal Credit Opportunity Act. The 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. Income that you receive as alimony, child support or separate
maintenance need not be disclosed to this creditor unless you
choose to rely on such sources to qualify for the loan. This
lender because of your sex or marital status will not discount
income from these and other sources, including part-time or
temporary employment. However, we will consider very carefully
the stability and probable continuity of any income you disclose
to us.
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.
Nondiscriminatory Financial Assistance Compliance:
We are in compliance with the requirements of the Housing
Financial Discrimination Act of 1977, that makes it illegal
to discriminate in providing for or making available financial
assistance for the purchase or refinancing of 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.
Nondiscriminatory Credit Application Compliance:
We are committed to compliance with the Federal Equal Credit
Opportunity Act that prohibits discrimination of any kind
against applicants for mortgage loans because of:
Ancestry, color, familial status, handicap, national origin,
race, religion or sex; or 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.
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