Licensing and Disclosures

The Equal Credit Opportunity Act (ECOA), implemented by Regulation B, prohibits creditors from discriminating against credit applicant on the bases of race, color, religion, national origin, sex (including sexual orientation and gender identity), marital status, age (providing 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 applicant has in good faith exercised any right under the Consumer Credit Protection Act.

The Fair Housing Act (FHAct) prohibits discrimination in any aspect of a residential real estate related transaction. The FHAct prohibits discrimination based on race, color, national origin, religion, sex, familial status (households with children under the age of 18 living with a parent or legal custodian, pregnant women, or people securing legal custody of children under 18), or disability, sexual orientation, or gender identity.

The Home Mortgage Disclosure Act (HMDA) requires many financial institutions such as HMAC to maintain, report, and publicly disclose loan-level information about mortgages. HMDA data related to our residential mortgage lending activities are available online for public review. For more information, visit the Consumer Financial Protection Bureau’s website (www.consumerfinance.gov/hmda).

HomeMac, LLC (“HMAC” or “the Company”), a state-licensed mortgage lender (NMLS ID 1165808), is committed to compliance with all applicable federal and state fair housing laws and regulations. All loans are subject to credit approval and acceptable collateral. Additional terms and conditions apply. Programs, rates, terms, and conditions are subject to change without notice. There is no guarantee that all borrowers will qualify. Restrictions may apply. This is not an offer for an extension of credit nor a commitment to lend. By refinancing your existing mortgage, your total finance charge may be higher over the life of the loan. No/low-income documentation loans may have a higher interest rate, more points, or more fees than other loan products requiring full documentation. HMAC and its loan products are not affiliated with, sponsored or endorsed by a government agency. FHA and USDA Loans require an upfront and annual mortgage insurance premium. The upfront premium may be included in your loan amount. VA loans require an upfront Guarantee Fee. The upfront Guarantee Fee may be included in your loan amount.