Legal

LEGAL

AdvantageFirst Lending Inc. takes all consumer protection seriously. Below are some helpful links regarding compliance with consumer protection laws.

DISCLOSURES

In accordance with the Equal Credit Opportunity Act, AdvantageFirst Lending Inc. does not discriminate against any applicant on the basis of race; color; religion; creed; national origin; ancestry; sex; marital status; familial status (number and age of children); sexual orientation; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; disability; physical condition; military status; 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 any other basis prohibited by law.

Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. 

Privacy Notice

Find out how AdvantageFirst Lending Inc. shares your personal information. AdvantageFirst Lending Inc.’s Privacy Notice indicates how AdvantageFirst Lending shares your personal information in accordance with federal law and state law.

California Residents – CCPA Privacy Notice 

In addition to the Policy Terms linked above, California Residents have the following additional rights under the California Consumer Protection Act: 

Right To Know

The right to obtain information about the Personal Information that we collect, use, and disclose about you.

Right to Request Deletion

In certain circumstances, subject to verification of your identity and your request for deletion as outlined below, we may erase the Personal Information we have retained about you. Please note that there may be circumstances where you ask us to erase your Personal Information, but we are legally entitled to retain it.

Right to Access

In some circumstance, subject to verification of your identity and your request to access your Personal Information, we may provide you with the Personal Information which has been provided electronically about you in readily usable machine-readable format, to the extent technically feasible.

View AdvantageFirst Lending Inc’s full CCPA Privacy Notice.

Non-Discrimination

Consumers will not receive discriminatory treatment by AdvantageFirst Lending for the exercise of their privacy rights outlined above and conferred by the California Consumer Protection Act.

Texas Disclosure — For property located in Texas

AdvantageFirst Lending Inc. is licensed under the laws of the state of Texas and by state law is subject to regulatory oversight by the department of savings and mortgage lending. 

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.

Notice of Error/Requests for Information/General Complaints

Please submit a written notice of error, information request or general complaint addressed to AdvantageFirst Lending’s mortgage resolution unit stating the specific error(s) that you believe to have occurred, specific information requested or general complaint. Include your full name, loan number, and submit to: 22342 Avenida Empresa, Suite 100 Rancho Santa Margarita, CA 92688

LICENSING

NMLS Consumer Access

View the Nationwide Multistate Licensing System/Nationwide Mortgage Licensing System and Registry

Licenses

AdvantageFirst Lending Inc. supports Equal Housing Opportunity. NMLS ID# 1209177 

 (www.nmlsconsumeraccess.org) | 877-314-1499.

State Licensing

Below is a list of licenses AdvantageFirst Lending Inc. holds in each state.