Equal Housing Opportunity Lender Notice
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 services
- In the appraisal of housing
- Blockbusting is also illegal.
Anyone who feels they have been discriminated against may file a housing discrimination complaint: 1-800-669-9777 (toll-free), or 1-800-927-9275 (TTY), 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 the availability of financial assistance for reasons:
- 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 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 purchase, construction, rehabilitation, or refinancing of one- to four-unit family residences occupied by the owner and 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.
USA PATRIOT Act Notice
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OBTAINING A MORTGAGE LOAN
Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who applies for and receives a mortgage loan to help prevent fraud and help the government fight the funding of terrorism and money laundering activities.
What this means for you: When you apply for and obtain a mortgage loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Application is required and is subject to credit review and approval. Full documentation required. Not all applicants will be approved. Loan secured by a lien against your property. Fees & charges apply and may vary by state, product, and loan amount. Terms, conditions & limitations apply. Additional payments of taxes & property insurance are required. Rates are subject to change without notice, and current rates may not be available at loan commitment, lock-in, or closing. You may be required to lock in a rate when you apply. Refinancing may increase the length of your loan and the total amount of interest you pay over the life of your loan. Important information relating specifically to your loan will be in the loan documents, which alone will establish your rights and obligations under the loan plan. Call for details.
HOME MORTGAGE DISCLOSURE ACT NOTICE
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and application; ethnicity, race, sex, age, income of applicants and borrowers; and information about loan preapprovals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s Web site
www.consumerfinance.gov/hmda.
Testimonial Disclosure
Reviews and comments (i) have been submitted by customers voluntarily, (ii) are solely the views of such customers, and (iii) have been screened in accordance with iApprove Lending, Inc. guidelines before publication. Customers were not compensated for their submittals but were informed that the submittals might be used in iApprove Lending, Inc. advertising. Customer experiences are not meant to suggest future performance and may not be representative of your experience.
Important Notice
Due to changing market conditions and borrower eligibility, interest rates can change daily. Your exact interest rate will depend on the date you lock your rate. Your total finance charges may be higher over the life of the loan. County restrictions may apply. Additional restrictions may apply. To estimate your current mortgage payment, we used information obtained from public records. If you have more than one mortgage, this public information may include the total of all of your mortgages.
Cash-Out Program Disclosure
Eligibility for the Cash-Out Program is determined with the current credit score, home appraisal, income verification, and additional requirements if necessary. Cash-Out Program may not be available on properties located in the State of Texas.
Our Rate Insurance Loan
Refers to Our No Closing Cost Option and is available on refinance transactions only. iApprove Lending, Inc. will pay all of the Borrowers Closing Costs except Prepaid Interest, property taxes, state mortgage taxes, lender payoff fees, and any type of insurance, VA Funding Fees, and FHA mortgage insurance premiums. The minimum loan amount in California is $200,000. Eligibility requires owner occupancy. Only available in the State of CA. The subject property must be owner-occupied to be eligible. This loan program may be changed or discontinued at any time without notice.
Customer Appreciation Program
To be eligible for our customer service appreciation program, aka our “Rate Insurance Loan,” we will place you in our rate watch program, where if rates drop by .250% from your current rate and you have made six on-time payments, we will contact you to refinance to the lower rate with our no closing cost option. Subject to underwriting approval and a new property appraisal. Not all applicants or properties will qualify. This loan program may be changed or discontinued at any time without notice.
