Disclosures
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; ethnicity, race, sex, and 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:
Franklin Advantage, Inc.
2 South Pointe Drive, Suite 248
Lake Forest, CA 92630
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
Equal Credit Opportunity Act 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:
Federal Trade Commission
Equal Credit Opportunity
Room 4037
Washington DC 20580
IMPORTANT INFORMATION ABOUT PROCEDURES FOR
OBTAINING A MORTGAGE LOAN
To help us prevent fraud and to assist the government in fighting the
funding of terrorism and money laundering activities, we are obtaining,
verifying, and recording information that identifies each person who
obtains a mortgage loan with us. What this means for you: When you
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.
WHATS NEW!
