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 Legal Information
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| Disclosures
In accordance with state and federal regulations, the following disclusre information is available for you to review online:
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| Home Mortgage Disclosure Act |
| The HMDA data about our residential mortgage lending is available for review. The data shows geographic distribution of loans and applications, income of applicants and borrowers and information about loan approvals and denials. Race and gender information will be collected in 2003 and availabe for review in 2004. Inquire at 411 Camino Del Rio South, Suite 302, San Diego, CA 92108 regarding the location where HMDA data may be inspected. To receive a copy of the data, send a written request to:
AAA Mortgage Market
Attn: HMDA Information Request
411 Camino Del Rio South, Suite 302
San Diego, CA 92108
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| 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
- advertising the sale or rental of housing
- the financing of housing
- the provision of real estate brokerage service
- 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 with the US Department of Housing and Urban Development at:
US Dept of HUD
Asst Sec for Fair Housing and Equal Opportunity
Washington DC 20410
1-800-669-9777 (toll free)
1-800-927-9275 (tdd)
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| 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, maritial 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 |
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| Equal Credit Opportunity Act |
| The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, maritial 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 credit is:
Mortgage Companies
Federal Trade Commission
Equal Credit Opportunity
Room 4037
Washington DC 20580
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