Home Mortgage Disclosure Act

To govern how lending institutions report loan data, congress enacted the Home Mortgage Disclosure Act in 1975. The data to be reported includes ethnicity, race, sex, and income of applicants and borrowers: geographic distribution of loans and applications; and information about loan approvals and denials. For loans and applications of the previous calendar year, the data is reported by the lending institutions on the first of March. If requested, lenders need to have the information available within 30 days of the request but not earlier than March 31st.

To receive a copy of this data send a written request to:

Home Loans of Florida, LLC
1411 S Woodland Blvd

Deland, FL 32720

The Federal 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, 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 the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Fair Lending Statement

Home Loans of Florida, LLC is committed to treating all individual fairly and equitably in the conduct of its lending practices in all jurisdictions where it conducts business. This commitment is part of our fundamental mission of providing quality financial services to existing and prospective customers in accordance with all applicable laws. In the United States, this principle is embodied in fair lending laws such as the Equal Credit Opportunity Act and the Fair Housing Act. These laws require the equitable treatment of all credit applicants, without regard to race; sex; sexual orientation; color; creed; national origin; religion; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; marital status; familial status (number and age of children); military status; disability; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Service members Civil Relief Act(SCRA); that all or part of a consumer’s income derives from a public assistance program; or other prohibited basis. Denying any person equal access to basic economic opportunities such as home ownership or credit is morally repugnant has no place in our company and will not be tolerated.

Disclaimer

Home Loans of Florida, LLC (NMLS #2665433) is located at 1411 S. Woodland Blvd, Deland, Florida 32720. Home Loans of Florida, LLC is licensed in the states it originates mortgage loans. Licensed as a mortgage lender/Servicer in Florida by the Office of Financial Regulation No. MLD677. In accordance with Section 326 of the USA PATRIOT Act of 2001, Home Loans of Florida, LLC is required to obtain a copy of the documents used in identifying our new account customers. This notice is being provided to you for adequate notice given under this act. All loans are subject to terms and conditions. Not all applicants may qualify. Loans are subject to credit approval. Programs, rates, terms and conditions are current, but are subject to change and may expire without notice. Other restrictions may apply. All applications must be submitted in writing. This advertisement or information on this website is not a loan disclosure and all disclosures provided after applying should be reviewed carefully. This is not a commitment to lend. Equal Housing Lender. NMLS #2665433.

HUD/FHA/USDA/VA Disclosure

These materials are not from HUD, FHA, the USDA, or the VA. These materials were not approved by any government agency. They are independent of any government agency. We are not in any way affiliated with any organization listed or referenced within this website, including HUD/FHA/USDA/VA. The inclusion of various education, information, web links, or materials are not an endorsement of the Sender or any of its employees or business partners.

For information directly from HUD/FHA, visit https://www.hud.gov/hudclips

For information directly from the VA, visit  https://www.benefits.va.gov/HOMELOANS/

For information directly from the USDA, https://www.usda.gov/topics/farming/grants-and-loans

Privacy Act

Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information.

Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.

- We will collect and use of personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law.
- We will only retain personal information as long as necessary for the fulfillment of those purposes.
-We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.
- Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.
- We will protect personal information by reasonable security safeguards against loss or theft, as well as, unauthorized access, disclosure, copying, use or modification.
- We will make readily available to customers information about our policies and practices relating to the management of personal information.
- We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.

This short outline included important aspects of our privacy policy. To review our entire privacy policy, email us at the address on our home page.

Customer Complaint Policy

It is the policy of our company to respond to customer complaints, disputes and issues immediately, to take each complaint seriously, to investigate each complaint however small it is – immediately and to take remedial actions swiftly.

As soon as a complaint is received, it is documented and is logged into a special log. The complaint is sent directly to the Customer Complaint Officer or his designate, in order to take action.

All complaints and records of complaints are kept in a special complaints binder along with all the Customer Complaint Officer's Quality Control Files and other written policies so employees can easily access them and use them to provide better customer service. Reports on complaints are reviewed during the Customer Complaint Officer's meetings with our Board. We are focused on providing financial products and services to all customers in compliance with all Federal and State regulatory policies including but not limited to consumer protection, fair lending and civil rights laws. For more information, contact us at the number on the Home Page.