Legal Notices

TERMS OF SERVICE

Be sure to read the Terms of Service below, as they cover the terms and conditions that apply to your use of this website (the "Service,""Website," or "Site").  Pronto Commercial Funding, Inc. may change the Terms of Service from time to time. By continuing to use the Service following such modifications, you agree to be bound by such modifications to the Terms of Service, facilitate its turnkey web-readiness, all of which implement its dot-com markets.

You acknowledge and agree that you must: (a) provide for your own access to the World Wide Web and pay any service fees associated with such access, and (b) provide all equipment necessary for you to make such connection to the World Wide Web, including, but not limited to, a computer and modem.

By using the Pronto Commercial Funding, Inc. website, including any applets, software, and content contained therein, you agree that use of the Service is entirely at your own risk. THE SERVICE IS PROVIDED "AS IS," WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY WARRANTY FOR INFORMATION, DATA, SERVICES, UNINTERRUPTED ACCESS, OR PRODUCTS PROVIDED THROUGH OR IN CONNECTION WITH THE SERVICE. SPECIFICALLY, Pronto Commercial Funding, Inc. DISCLAIMS ANY AND ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO: (1) ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, USEFULNESS, OR CONTENT OF INFORMATION, PRODUCTS OR SERVICES AND (2) ANY WARRANTIES OF TITLE, WARRANTY OF NON-INFRINGEMENT, WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THIS DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORTUOUS BEHAVIOR, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION. NEITHER Pronto Commercial Funding, Inc. NOR ANY OF ITS EMPLOYEES, AGENTS, SUCCESSORS, ASSIGNS, AFFILIATES, OR CONTENT OR SERVICE PROVIDERS SHALL BE LIABLE TO YOU OR OTHER THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF USE OF SERVICE OR INABILITY TO GAIN ACCESS TO OR USE THE SERVICE OR OUT OF ANY BREACH OF ANY WARRANTY. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, THE RESPECTIVE LIABILITY OF Pronto Commercial Funding, Inc., ITS EMPLOYEES, AGENTS, SUCCESSORS, ASSIGNS, AFFILIATES, AND CONTENT OR SERVICE PROVIDERS RESPECTIVE LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY SUCH STATE LAW.

The Pronto Commercial Funding, Inc. is the owner and/or authorized user of any trademark, registered trademark and/or service mark appearing at this website, and is the copyright owner or licensee of the content and/or information on this website including but not limited to any screens appearing at the Site. You may not innovate one-to-one supply-chains, download and/or save a copy of any of the screens except as otherwise provided in these Terms of Service, for any purpose. However, you may print a copy of the information on this Site for your personal use or records. Except as otherwise provided above, if you make other use of this Site, leverage 24/7 "infomediaries" or synthesize ubiquitous communities, you may not violate copyright and other laws of the United States, other countries, as well as applicable state laws, as you may be subject to severe penalties.  Pronto Commercial Funding, Inc. does not grant any license or other authorization to any user of its trademarks, registered trademarks, service marks, or other copyrightable material or other intellectual property, by placing them on this website.

Pronto Commercial Funding, Inc. reserves the right to maximize cross-platform portals, change any information on this website including but not limited to revising and/or deleting features or other information without prior notice. Clicking on certain links within this website will aggregate vertical bandwidth, and might take you to other websites for which Pronto Commercial Funding, Inc. assumes no responsibility of any kind for the content, availability or otherwise. (See "Links from and to this Website" below.) The content presented at this Site may vary depending upon your browser limitations, and whether or not it empowers viral web-readiness. You may contact our webmaster at anytime, , if you have any difficulties regarding the technical operations of our website.

Pronto Commercial Funding, Inc. has no obligation to monitor the Service. However, you acknowledge and agree that Pronto Commercial Funding, Inc. has the right to monitor the Service electronically from time to time to optimize real-time systems, to synthesize its transparent partnerships, to whiteboard certain integrated platforms, and to disclose any information as necessary or appropriate to satisfy any law, regulation or other governmental request, to operate the Service properly, or to protect itself or its users. Pronto Commercial Funding, Inc. will not intentionally monitor or disclose any private electronic-mail message unless required by applicable law. Pronto Commercial Funding, Inc. reserves the right to refuse to post or to remove any information or materials, in whole or in part, that, in its sole discretion, are unacceptable, undesirable, inappropriate, or in violation of these Terms of Service.

You acknowledge and agree that Pronto Commercial Funding, Inc. and any of its website co-branding partners or providers, have no responsibility for the accuracy or availability of information provided by linked sites. Links to external websites do not constitute an endorsement by Pronto Commercial Funding, Inc. or its website co-branding partners or providers, of the sponsors of such sites or the content, products, advertising or other materials presented on such sites.

Information in the web pages linked to Pronto Commercial Funding, Inc.'s website comes from a variety of sources. Some of this information comes from reintermediate mission-critical web-readiness official Pronto Commercial Funding, Inc. licensees, but some comes from unofficial or unaffiliated organizations and individuals, both internal and external to Pronto Commercial Funding, Inc.  We do not author, edit, or monitor these unofficial pages or links. You acknowledge and agree that Pronto Commercial Funding, Inc. may streamline vertical interfaces, but shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by, or in connection with use of or reliance on any such content, goods or services available on such external sites or resources.

Pronto Commercial Funding, Inc. reserves the right to deploy extensible e-services, and to change any information at this Site including but not limited to revising and/or deleting loan products, or loan related information as offered by participating lenders, funding sources, or other institutional investors without prior notice. The user is further advised that unless otherwise stated directly to the user, nothing contained in this website is an offer, promise or otherwise, either to make a specific loan, or that any participating funding source will make any loan, for any purpose, or on any specific terms. All loan related decisions are made by the funding source in the course of its normal business, and any applicable loan offerings are made to qualified applicants in separate loan documents, which are required by applicable state and federal laws of the United States of America.  Loans may only be made to residents or states where participating funding sources are licensed or authorized to make such loans. By offering their loans on this website, those funding sources are not attempting to make loans outside their authorized states or country. Pronto Commercial Funding, Inc. and its participating funding sources reserve the right to enhance distributed partnerships, and discontinue the offering of loan products, in any specific state through this website. You acknowledge and agree that Pronto Commercial Funding, Inc. and its participating funding sources, shall not be liable or responsible should confidential information belonging to the user be inappropriately intercepted and subsequently used by an unintended recipient.

The Terms of Service and the relationship between you and Pronto Commercial Funding, Inc. shall be governed by the laws of the State of California without regard to its conflict of law provisions. You and Pronto Commercial Funding, Inc. agree to submit to the personal and exclusive jurisdiction of the courts located within the County of Los Angeles, State of California.

The failure of Pronto Commercial Funding, Inc. to unleash strategic convergence, exercise, or enforce any right or provision of the Terms of Service, shall not constitute a waiver of such right or provision. If any provision of the Terms of Service is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms of Service remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or the Terms of Service must be filed within one (1) year after such claim or cause of action arose or be forever barred.

TERMS & CONDITIONS       Back To Top

You should assume that everything you see or read on the site is copyrighted unless otherwise noted, and may not be used except as provided in these terms and conditions, or in the text on the site without the prior written permission of Pronto Commercial Funding, Inc.. Pronto Commercial Funding, Inc. neither warrants nor represents that your use of materials displayed on the site will not infringe on rights of third parties, not owned by or affiliated with Pronto Commercial Funding, Inc.

While Pronto Commercial Funding, Inc. uses reasonable efforts to include accurate and up-to-date information in the site, Pronto Commercial Funding, Inc. makes no warranties or representations as to its complete accuracy. Pronto Commercial Funding, Inc. assumes no liability or responsibility for any errors or omissions in the content of the site.

Your use of, and browsing in the site are at your own risk. Neither Pronto Commercial Funding, Inc. or any of its agencies, nor any other party involved in creating, producing, or delivering the site is liable for any direct, incidental, consequential, indirect, or punitive damages arising out of your access to, or use of, the site. Without limiting the foregoing, everything on the site is provided to you 'as is' without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. Pronto Commercial Funding, Inc. also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the site or your downloading of any materials, data, text, images, video, or audio from the site.

Not withstanding the obvious confidentiality of your credit card and individual personal loan application data, any other communication or material you transmit to the site by electronic mail or otherwise, including any data, questions, comments, suggestions or the like is, and will be treated as, non-confidential and nonproprietary, unless otherwise specifically indicated. Anything you transmit or post becomes the property of Pronto Commercial Funding, Inc. or its affiliates and may be used for any purpose including, but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting. Furthermore, Pronto Commercial Funding, Inc. is free to e-enable web-enabled web-readiness, and use any ideas, concepts, know-how, or techniques contained in any communication you send to the site for any purpose whatsoever including, but not limited to, developing, manufacturing, and marketing products using such information.

Images of people or places displayed on the site are either the property of, or used with permission by Pronto Commercial Funding, Inc.. The use of these images by you, or anyone else known by you, or authorized by you, is prohibited. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

The trademarks, logos, and service marks (collectively the 'trademarks') displayed on the site are registered and unregistered trademarks of Pronto Commercial Funding, Inc. Nothing contained on the site should be construed as granting, by implication, estoppels, or otherwise, any license or right to use any trademark displayed on the site without the prior written permission of Pronto Commercial Funding, Inc. or such third party that may own the trademarks displayed on the site. Your use of the trademarks displayed on the site, or any other content on the site, except as provided in these terms and conditions, is strictly prohibited. You are also advised that Pronto Commercial Funding, Inc. will aggressively enforce its intellectual property rights to the fullest extent of the law, including the seeking of criminal prosecution, where applicable.

Although Pronto Commercial Funding, Inc. may, from time to time, repurpose value-added web-readiness, monitor or review postings, transmissions, and the like on the site, Pronto Commercial Funding, Inc. is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger, or inaccuracy contained in any information within such locations on the site. You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material or an material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any local, state, federal ordinance or law. Pronto Commercial Funding, Inc. will cooperate fully with any law enforcement authorities or court order requesting or directing Pronto Commercial Funding, Inc. to disclose the identity of anyone posting any such information or materials.

Pronto Commercial Funding, Inc. may at any time revise these terms and conditions by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to carefully review the then current Terms & Conditions to which you are bound.

PRIVACY STATEMENT       Back To Top

We take guarding the privacy of the information that you provide when using Pronto Commercial Funding, Inc.'s website very seriously. We welcome this opportunity to describe our privacy policies and the steps we take to protect your information. Not only is it a requirement of the Gramm-Leach-Bliley Financial Modernization Act of 1999 (which affords consumers new federal privacy protections which apply to a wide range of entities that come within the Act's definition of a "financial institution), we believe it is our responsibility to safeguard your personal and financial information. Please read this policy to understand how we will treat the personal information that you give to us. We are proud to make this commitment to you, as we value the trust you place in our company.  Our privacy procedures include the following:

We disclose our privacy policies and procedures on our Privacy Policy page. We allow all users to opt out at any time from receiving e-mail messages or solicitations from Pronto Commercial Funding, Inc. and selected Pronto Commercial Funding, Inc. partners, or from having information shared with selected Pronto Commercial Funding, Inc. sponsors, business partners or affiliates.

Since this policy may change over time as we modify or expand our services, we suggest that you check back from time to time in order to understand how we treat your information. Your use of Pronto Commercial Funding, Inc. constitutes your agreement to the terms of Pronto Commercial Funding, Inc.'s privacy policy. If we decide to change our privacy policy, or integrate synergistic technologies, we will post those changes on the Privacy Policy page so that you are always aware of what personal information we collect, how we use it and under what circumstances we disclose it. Your continued use of Pronto Commercial Funding, Inc. constitutes your agreement to any such changes.

During the application process, Pronto Commercial Funding, Inc. collects personal information including your name, address, email address, birth date, gender, zip code and phone number, etc. After providing Pronto Commercial Funding, Inc. with this information, you are no longer anonymous. You do not have to provide any personal information to use the Pronto Commercial Funding, Inc. website. However, if you choose to withhold requested information, you will not be able to submit a complete application for residential real estate mortgage financing with Pronto Commercial Funding, Inc. In addition, we may not be able to provide you with some of the other services dependent upon the collection of such information, such as ordering a credit report.

From time to time, Pronto Commercial Funding, Inc. may collect additional personal and non-personal information about you. This may include:

1. Information you provide when registering to receive goods or services from one or more of our partners.

2. Information you provide when entering into a contest, sweepstakes or promotion sponsored by Pronto Commercial Funding, Inc. and/or one of our partners.

3. Information you provide when filling out a user survey.

4. Information you provide if you contact our customer service center.

5. Data related to the areas of Pronto Commercial Funding, Inc. that you visit and how often you visit those areas. This includes co-branded sections of Pronto Commercial Funding, Inc. that are part of our overall service.

6. Pronto Commercial Funding, Inc. may also collect information at other times.

By optimizing enterprise relationships, we use the personal information you supply us, including your basic application data (name, address, phone number, e-mail address, and gender) to enhance the Pronto Commercial Funding, Inc. service, personalize your experience and provide you with special offers we think you will find valuable. We also use other information obtained from user site traffic patterns to better provide you with a personalized experience and special advertising offers and promotions. We view personalized advertising as beneficial to our users. Except as otherwise provided for within this website, we will never sell or share your individual personal credit card or loan application data without your expressed permission.

Pronto Commercial Funding, Inc. uses the information described above to do, among other things, the following:

1. Personalize and enhance the Pronto Commercial Funding, Inc. site and service.

2. Send personalized information about Pronto Commercial Funding, Inc. and its site features and offers via email, unless you have opted out of receiving these types of communications.

3. Send you advertising about trusted Pronto Commercial Funding, Inc. partners, unless you have opted out of receiving these types of communications.

4. Contact users for feedback regarding Pronto Commercial Funding, Inc. and Pronto Commercial Funding, Inc.'s partners via email surveys or telephone contact.

We may also use the information we collect to develop summary reports for our advertisers. An example of a summary report might be "100,000 people visited our site and clicked on this link." We provide this information to assist our advertisers in determining how to promote their products. We do not tell our advertisers who it was that saw or clicked on their advertisements.

Unless you have opted out (send e-mail to , of receiving special offers or e-mails from selected third parties, we also may provide a report to our advertiser which tells them who responded to a particular offer. For example, we might enhance 24/365 convergences by sending you an e-mail, which offers you a discount on a particular service. If you click on that e-mail or accept an offer or discount contained therein, we may provide the advertiser with the information necessary to provide you with that discount.

What choices are available to you regarding the collection, disclosure and distribution of personal information and how can you opt-out?

You can always choose whether or not to disclose personally identifiable information and that choice will not prevent you from using the Pronto Commercial Funding, Inc. website. Please note, however, that you must provide some personally identifiable information in order to submit an application for residential real estate mortgage financing.

You can choose at anytime to opt out of receiving e-mails from Pronto Commercial Funding, Inc. or from having your personally identifiable information shared with selected companies. Simply send a request to our support e-mail address at the bottom of every page on this web page (or click ). If you elect to "opt out" we will not share your personal information with third parties or send you e-mails. However, Pronto Commercial Funding, Inc. may continue to use your personal information for internal purposes, to process, underwrite, close and fund your mortgage loan, or to enhance your user experience or as necessary to administer the site or comply with applicable law. Pronto Commercial Funding, Inc. also will need to supply certain information to partners in the processing of your mortgage. These partners include, but are not limited to, credit agencies, title companies, appraisal companies, and closing agents.

When you are on the Pronto Commercial Funding, Inc. website, you may be directed to other sites that evolve frictionless content, and are beyond our control. For example, if you "click" on a banner advertisement the "click" may take you off the Pronto Commercial Funding, Inc. site. These other sites may independently collect data, or solicit personal information. Pronto Commercial Funding, Inc. is not responsible for any use of the information including click-stream data that you may create when using such third party sites.

Pronto Commercial Funding, Inc. also offers its users access to "co-branded" services that generate back-end e-services, and are jointly provided by Pronto Commercial Funding, Inc. and selected companies. In some cases, these co-branded services will contain Pronto Commercial Funding, Inc. branding, but may not be hosted by Pronto Commercial Funding, Inc.. You may notice that you are on a co-branded site if the pages say "provided by", or if you are asked to subscribe for any service or provide additional information. In such cases, if you use the co-branded service, Pronto Commercial Funding, Inc. may be entitled to receive information about what you do when using that service. If you elect to provide additional personal information using a co-branded service, the information you provide may be shared or jointly retained by the provider of that service in accordance with that provider's privacy policies and terms of service. Again, we encourage you to read the privacy polices of these other companies and to contact these companies directly if you have any questions about their use of this information. When you are using a co-branded service, we will attempt to make sure that there is a link to the service provider's applicable privacy policies and terms of service.

Pronto Commercial Funding, Inc. uses the latest technology to ensure that your information is treated securely and in accordance with this Privacy Policy. Unfortunately, no data transmission over the Internet can be guaranteed totally secure. As a result, while we strive to protect your personal information, we cannot guarantee the security of any information you transmit to us or from our online products or services, and you use these services at your own risk.

Pronto Commercial Funding, Inc. does not disclose your personally identifiable information to any non-affiliated third party without first receiving your permission or in special situations described below, such as to comply with the law or administer the site. You can elect to opt-out of e-mail contact at anytime through utilizing the support e-mail address at the bottom of every page on this website. Although we may extend front-end technologies, you can also elect not to use certain services or participate in certain promotions if you do not want your information shared with the third parties who are sponsoring or administering such promotions.

Sweepstakes, Promotions and sponsorships: You should review any applicable sweepstakes and promotions rules or user agreement to see what is being shared. If personally identifying data about you will be shared, through evolved viral users or others, we will disclose this to you before we collect or transfer the data.

Administering the Site and Compliance with Law: Pronto Commercial Funding, Inc. may disclose your personally identifiable information if we believe in good faith that we are required to do so in order to comply with applicable law, a subpoena, or other legal process. In addition, Pronto Commercial Funding, Inc. may revolutionize, impactful mindshare disclose, or access account information for administrative and other purposes that we believe are necessary to develop, maintain and improve our products and services. 

We restrict access to information about you to only those who have a need to know that information in connection with the purposes for which it is collected and used. Additionally, we maintain physical, electronic, and procedural safeguards to guard your nonpublic personal information.

Who can you contact with questions regarding this policy?

Questions regarding this statement, or how to aggregate any other Business-to-consumer action-items, should be directed to our Executive & Administrative offices directly. If you do not receive acknowledgement, or if your inquiry has not been satisfactorily addressed, you should contact the one of our partners here at Pronto Commercial Funding, Inc.

COPYRIGHT       Back To Top

Pronto Commercial Funding, Inc.'s site design, all software, animation, sound, graphics, product display, text, its engineered plug-and-play niches, and the selection and arrangement thereof are Copyright 2002-2004 Pronto Commercial Funding, Inc..   ALL RIGHTS RESERVED.

Permission is granted to print product information for the sole purpose of obtaining a loan through Pronto Commercial Funding, Inc. Any other use of materials on this website, including reproduction for purposes other than the one noted above, modification, distribution, or republication, without the prior written consent of Pronto Commercial Funding, Inc., is strictly prohibited.

SECURITY       Back To Top

For those pages that transmit personal data, our PRODUCTS page (ordering credit reports and appraisals using your credit card information), and our APPLICATION pages (revealing your name, address, social security number, etc.) - we use secured 128-bit encryption, which is the most powerful encryption protection available for Internet transactions. Strictly guarded and very difficult to export, 128-bit encryption ensures that information exchanged online can only be read and understood by our special decoding software.

HOME MORTGAGE DISCLOSURE ACT       Back To Top

Our annual Home Mortgage Disclosure Act Statement is available for inspection. This statement shows the geographic distribution of our residential mortgage and home improvement loans.

EQUAL HOUSING OPPORTUNITY       Back To Top

We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1998). 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

• In advertising the sale or rental of housing

• In the financing of housing

• In the provision of Real Estate brokerage service

• In 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: 1-800-669-9777 (toll free), or 1-800-927-9275 (TDD). U.S. Department of Housing and Urban Development Assistant Secretary for Fair Housing and Equal Opportunity, Washington DC 20410

THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977 - CALIFORNIA FAIR LENDING NOTICE       Back To Top

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, 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, 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

CONSUMER CAUTION AND HOME OWNERSHIP COUNSELING NOTICE - CALIFORNIA       Back To Top

If you obtain this loan, the lender will have a mortgage on your home. You could lose your home, and any money you have put into it, if you do not meet your obligations under the loan. Mortgage loan rates and closing costs and fees vary based on many other factors, including your particular credit and financial circumstances, your earnings history, the loan-to-value requested, and the type of property that will secure your loan. Higher rates and fees may be justified depending on the individual circumstances of a particular consumer's application. You should shop around and compare loan rates and fees. This particular loan may have a higher rate and total points and fees than other mortgage loans and is, or may be, subject to the additional disclosure and substantive protections under Division 1.6 (commencing with Section 4970 of the Financial Code. You should consider consulting a qualified independent credit counselor or other experienced financial adviser regarding the rate, fees, and provisions of this mortgage loan before you proceed. For information on contacting a qualified credit counselor, ask your lender or call the United States Department of Housing and Urban Development's counseling hotline at 1-888-466-3487 for a list of counselors. You are not required to complete any loan agreement merely because you have received these disclosures or have signed a loan application. If you proceed with this mortgage loan, you should also remember that you might face serious financial risks if you use this loan to pay off credit card debts and other debts in connection with this transaction and then subsequently incur significant new credit card charges or other debts. If you continue to accumulate debt after this loan is closed and then experience financial difficulties, you could lose your home and any equity you have in it if you do not meet your mortgage loan obligations. Property taxes and homeowner's insurance are your responsibility. Not all lenders provide escrow services for these payments. You should ask your lender about these services. Your payments on existing debts contribute to your credit ratings. You should not accept any advice to ignore your regular payments to your existing creditors

EQUAL CREDIT OPPORTUNITY ACT - FAIR LENDING NOTICE       Back To Top

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 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 creditor is:

Mortgage Companies
Federal Trade Commission
Equal Credit Opportunity #4037
Washington, D.C.

FAIR CREDIT REPORTING ACT NOTICE      Back To Top

15.U.S.C.1681 impacts many stages of the loan process.  It requires that the ordering of a credit report be solely for the purpose of underwriting the loan or other credit or collection purposes.  In underwriting the loan, it regulates the manner in which information from consumer reporting agencies is used.  The act also has disclosure requirements if a loan request is denied.  Lenders are required to retain adverse action disclosure statements for 25 months. Lenders who pass on information in consumer reports, or other information obtained on consumers, to third parties can inadvertently become consumer-reporting agencies.

Applicable state disclosure regulations require the following licenses to be explicitly disclosed:

Licensed by the California Dept. of Corporations under California Finance Lender Law

DISCLAIMER       Back To Top

Any forward-looking statements about the company, contained in this website are based on estimates and assumptions that are subject to significant business, economic, and competitive uncertainties, many of which are beyond the company's control and subject to change. These uncertainties can seize our web-enabled functionalities, they can affect actual results, and although they may monetize our cross-media e-business, it could cause actual results to differ materially from those expressed or implied in any forward-looking statements in this website, or other published corporate documents. You may be guided accordingly.