Disclosures And Licenses

H.I.S. Loans Licensing Information and Important State Specific Disclosures for Arizona, California, Georgia, Nevada, Oregon and Tennessee residents

H.I.S. Loans Lending is a licensed mortgage orginator Nationwide Mortgage Licensing System Number (NMLS) is 1523028. To go to the NMLS access page please click on: http://www.nmlsconsumeraccess.com/EntityDetails.aspx/COMPANY/1523028

California

Real Estate Mortage Orginator License #1523028
10940 Wilshire Blvd., 16th Floor, Los Angeles, CA 90024
Licensed by the Division of Real Estate, Mortgage Lending Section

Important State Specific Disclosures

For Arizona, Georgia, Oregon, Nevada, and Tennessee Residents:

Application fees are deemed earned by H.I.S. Loans and Real Estate Company and are nonrefundable unless otherwise required by law.

For Ohio Residents:

The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.

For California Residents:

1. Hazard Insurance exceeding the replacement value of the real property is not required as a condition of your loan.

2. THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977 FAIR FAIR LENDING NOTICE

IT IS ILLEGAL TO DISCRIMINATE IN THE PROVISION OF OR IN THE AVAILABILITY OF FINANCIAL ASSISTANCE BECAUSE OF THE CONSIDERATION OF: 1. 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; OR 2. 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 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:

OR

Department of Corporations
1390 Market Street, Suite 810,
San Francisco, CA 94102.

H.I.S. Loans Lending Disclosures and Licenses Information

H.I.S. Loans and Real Estate Company is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.

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