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Liability Disclaimer Information on this Web site is intended solely as general guidance as, for example, guidance for financing and refinancing a home loan and/or home improvements. None of the information provided on this Web site constitutes legal, tax, accounting, or other professional advice. All information included on this Web site is believed to be accurate, although inaccuracies or typographical errors may exist. Mortgage interest rates, loan terms, and other information on this Web site are subject to change without notice. This Web site may provide links to Web sites operated by parties other than United Home Mortgage Corporation. United Home Mortgage Corporation does not control these Web sites and is not responsible for their contents. These links are provided for reference only. Inclusion of these links does not imply endorsement of materials, products, or services provided on other Web sites. All copyrights, trademarks, and service marks are the property of United Home Mortgage.
Home Mortgage Disclosure Act Notice The HMDA data about our residential mortgage lending are available for review. The data shows geographic distribution of loans and applications; race, gender, and income of applicants and borrowers; and information about loan approvals and denials. You may inquire about our HMDA data at the following address: Attn: Compliance Officer United Home Mortgage Corporation 1981 N. Broadway #255 Walnut Creek, CA 94596 (800) 840-5020
Equal Credit Opportunity Act (ECOA) 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 capability 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.If you have any questions regarding your rights, or if you wish to file a complaint, please contact the management of this financial institution or: The Federal Trade Commission Equal Credit Opportunity Washington, DC 20580
The Fair Housing Act The Civil Rights Act of 1968, as amended by the Fair Housing Amendments Act of 1988.It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status (having one or more children), or national origin:
In the sale or rental of housing residential lots.
In advertising the sale or rental of housing.
In the financing of housing.
In the appraisal of housing.
In the provision of real estate brokerage services.
Blockbusting is also illegal. Anyone who feels he or she has been discriminated against should send a complaint to: U.S. Department of Housing and Urban Development Assistant Secretary for Fair Housing and Equal Opportunity Washington, DC 20410
State of California:
The Housing Financial Discrimination Act of 1977 Fair Lending Notice / The Holden Act 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 unsafe and unsound practice, or 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, or 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. In addition, these provisions govern financial assistance for the improvement or rehabilitation of an owner-occupied or investor-owned one-to-four unit dwelling. If you have 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
License Licensed by the Department of Corporations under the CRMLA. License number 4150035