The Federal Equal Credit Opportunity Act (ECOA) Notice
Hamilton Home Loans, Inc. 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.
We are required to disclose to you that you need not disclose income from alimony, child support or separate maintenance payment if you choose not to do so.
Under ECOA, we will ask you to confirm your intent to apply jointly for credit if you wish to have a co-borrower.
US Patriot Act – Identification Document Requirements
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies every customer. What this means to you: When you apply for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a valid form of identification; including, but not limited to your driver’s license or other identifying documents; including, but not limited to:
- A valid driver’s license
- A valid state identification card
- Military identification card
- Un-expired passport
- Non-resident alien card
Other forms of identification may be acceptable in certain situations.
Hamilton Home Loans, Inc. is a licensed mortgage lender. The following states require disclosure of licensing information:
Alabama State Banking Department Bureau of Loans Consumer Credit License No. 21720
Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, License No. 41DBO-45707
Colorado Regulated by the Division of Real Estate, License No. 200719
To check the status of your mortgage loan originator’s license, visit Colorado Division of Real Estate’s website at https://dre.colorado.gov/.
District of Columbia Mortgage Lender License No. MLB200719
Licensed as a Mortgage Lender by the Florida Office of Financial Regulation No. MLD680
Georgia Residential Mortgage Licensee – Licensed as a Mortgage Lender by the Department of Banking and Finance No. 32726
Illinois Residential Mortgage Licensee No. MB.6761148 – Licensed by the Department of Financial and Professional Regulation, Mortgage Banking Division, 100 West Randolph, 9th Floor, Chicago, IL 60601, (888) 473-4858 (www.nmlsconsumeraccess.org)
Licensed by the Department of Financial Institutions Mortgage Lending License #28272
Kentucky Department of Financial Institutions Mortgage Company License #MC90805
Louisiana Residential Mortgage Lending License #200719
Maryland Office of the Commissioner of Financial Regulation Mortgage Lender License #19833
Michigan 1st Mortgage Broker/Lender/Servicer Registrant No. FL0018547
Minnesota Residential Mortgage Originator License #MN-MO-200719
Minnesota Residential Mortgage Servicer License #MN-MS-200719
Mortgage Company by the Division of Mortgage Lending Nevada Mortgage Broker License #5077
Licensed by the NJ Department of Banking and Insurance #200719
Licensed by the Department of Regulation and Licensing New Mexico Mortgage Loan Company License #200719
Licensed as a Mortgage Lender by the North Carolina Commissioner of Banks #L-150415
Ohio Residential Mortgage Lending Act Certificate of Registration #RM.850258.000
Licensed as a Mortgage Lender by the Department of Consumer Credit License #ML011206
Licensed by the Pennsylvania of Department of Banking and Securities Mortgage Lender License #51681
South Carolina Consumer Finance Division of the Board of Financial Institutions Mortgage Lender / Servicer License #MLS – 200719
Tennessee Department of Financial Institutions Mortgage License #112326
Texas Department of Savings and Mortgage Lending Mortgage Banker Registration No. 200719
Mortgage Entity by the Utah Division of Real Estate
License No. 11733983; Other Trade Name 1- Alderus License #11780013
Licensed as a Mortgage Lender and Broker by the Virginia State Corporation Commission’s Bureau of Financial Institutions Broker License No. MC-5546; Lender License #MC-5546
Wisconsin Department of Financial Institutions Mortgage Banker License #39179BA 200719BA
*Texas Legal Notice
Pursuant to the requirements of section 157.007 of the Mortgage Banker Registration and Residential Mortgage Mortgage Loan Advisor Act, chapter 157, Texas finance code, you are hereby notified of the following:
Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete, sign and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be downloaded and printed from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1 (877) 276-5550.
The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s web site at www.sml.texas.gov.