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 that the applicant has the capacity to enter into a binding contract): because all or part of the applicant’s income is derived from a public assistance program; or because the applicant has in good faith exercised any rights under the Consumer Credit Protection Act. The Federal Agency that administers compliance with this law concerning this creditor is: 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.
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:
Other forms of identification may be acceptable in certain situations
IN TEXAS – CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 N. LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED 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 WEBSITE AT WWW.SML.TEXAS.GOV.
|Alabama||Consumer Credit License/Registration #22064State Banking Department of Alabama|
|Dist.of Columbia||Mortgage Lender License/Registration # MLB72043District of Columbia Department of Insurance, Securities of Banking Bureau|
|Delaware||Lender License/Registration # 020001Delaware Office of the State Bank Commissioner|
|Florida||Mortgage Lender License/Registration # MLD176Mortgage Lender Servicer License/Registration # MLD1359Florida Office of Financial Regulation|
|Georgia||Mortgage Lender License/Registration # 44971Georgia Department of Banking and Finance|
|Kentucky||Mortgage Company License/Registration # MC321520Kentucky Department of Financial Institutions|
|Maryland||Mortgage Lender License/Registration # 19402Maryland Office of the Commissioner of Financial Regulation|
|North Carolina||Mortgage Lender License/Registration # L-111843North Carolina Commissioner of Banks Office|
|New Jersey||Residential Mortgage Lender License/Registration # NoneNew Jersey Department of Banking and Insurance|
|Oregon||Mortgage Lending License #ML-5438|
|Pennsylvania||Mortgage Lender License#40980Pennsylvania Department of Banking and Securities|
|South Carolina||Mortgage Lender / Servicer License #MLS – 72043Mortgage Lender/Servicer License Other Trade Name#1MLS-72043 OTN #1Mortgage Lender/Servicer License - Other Trade Name #4 # MLS - 72043 OTN #4Mortgage Lender/Servicer License - Other Trade Name #5 # MLS - 72043 OTN #5South Carolina Consumer Finance Division of the Board of Financial Institutions|
|Tennessee||Mortgage License #110358Tennessee Department of Financial Institutions|
|Texas||Mortgage Company License #72043Residential Mortgage Loan Servicer Registration #72043Texas Department of Savings and Mortgage Lending|
|Virginia||Broker License #MC-936Lender License #MC-936Virginia Bureau of Financial Institutions|
|West Virginia||Mortgage Lender License #ML-30542West Virginia Division of Financial Institutions|
Loan programs may change at any time with or without notice. Information deemed reliable but not guaranteed. All loans subject to income verification, credit approval and property appraisal. Not a commitment to lend. Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Housing Lender. Located at 600 Lynnhaven Parkway Suite 203 Virginia Beach, VA 23452.
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