Equal Housing Lender

Rate - the rate of interest on a loan, expressed as a percentage of 100.

Points - each point is equal to 1% of the loan amount. Points, if charged, are usually collected at settlement with all other closing costs.

Annual Percentage Rate (APR) - the annual cost of a loan to a borrower. Like an interest rate, the APR is expressed as a percentage of the loan amount. Unlike an interest rate, however, it includes charges or fees (such as total points and additional prepaid finance charges) to reflect the total cost of the loan. It does not include closing costs.

Equal Housing Lender

We do Business in Accordance with the Federal Fair Lending Laws.

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:

• Deny a loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling, or to deny any loan secured by a dwelling; or
• Discriminate in fixing the amount, interest rate, duration, application procedures, or other terms or conditions of such a loan, or in appraising property.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Department of Financial Institutions
1810 13th St
Sacramento, CA 95814
Consumer Information Desk: (800) 622-0620

UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:

• On the basis of race, color, national origin, religion, sex, marital status, or age;
• Because income is from public assistance; or
• Because a right has been exercised under the Consumer Credit Protection Act.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Federal Trade Commission
11000 Wilshire Blvd, Suite 13209
Los Angeles, CA 90024