Legal & Disclosures

| Legal | Disclosures |

Legal Notice Terms and Conditions of Use

1. GENERAL DISCLAIMER:
   NEITHER LUXURYHOMELOAN.NET (LHL), ITS EMPLOYEES, AGENTS, SUCCESSORS, AND/OR ASSIGNS, MAKE ANY WARRANTIES, EXPRESS OR IMPLIED, INCLUDING THE WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR ASSUME ANY LEGAL LIABILITY OR RESPONSIBILITY FOR THE ACCURACY, COMPLETENESS, OR USEFULNESS OF ANY INFORMATION CONTAINED AT THIS WEBSITE (INCLUDING THE PAYMENT AND SAVINGS CALCULATORS) OR REPRESENT THAT USE OF THIS INFORMATION WOULD NOT INFRINGE OTHER THIRD PARTY RIGHTS. FURTHER, LHL SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, OR INCONSEQUENTIAL DAMAGES TO THE USER, OR THIRD PARTY ARISING FROM USE OF THIS WEBSITE.
   
   
2. Hold Harmless:
   In providing this information, LHL does not assume any liability as a result of the use or misuse of this information. By your use of this information, you recognize and agree to hold LHL harmless from any liability as a result of your use or misuse of this information, materials, products or services listed at this website.
   
   
3. Copyright, Trademark or Service Mark Infringement:
   LHL is the owner and/or authorized user of any trademark, registered mark and/or service mark appearing at this website, and is the copyright owner of the site, including but not limited to any screens appearing at the site. While you are free to download and save a copy of any of the screens for your own personal and noncommercial use, you may not reproduce any of these copyrighted screens, trademarks or service marks on your own computer for distribution to any other person. LHL maintains a copyright of each of the screens and a license to use any trademarks on its web site.
   
   
4. Change of Information at Website:
   LHL reserves the right to change any information at this website, including but not limited to revising and or deleting loan products or loan-related information without prior notice.
   
   
5. Website Information is Not a Loan Offering:
   The user is further advised that unless otherwise stated to the user, nothing contained in this website is an offer, promise, or otherwise, either to make a specific loan or that LHL will make any kind of loan for any purpose on any specific terms. All loan-related decisions are made by LHL 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 federal and state law of the United States of America.
   
   
6. Confidentiality of Electronic Transmissions:
   The user is cautioned that transactions over the Internet may not be confidential and may be subject to unauthorized interception by third parties. Accordingly before any information is provided to LHL, the user should understand that LHL assumes no liability or responsibility should the user's confidential information be intercepted and subsequently used by an unintended recipient. As an alternative the user may email an LHL representative for assistance or further information. Please review our privacy policy for details on how LHL protects your information to the best of our ability.
   
   
7. Linking to Other Websites:
   Clicking on certain links within this website might take you to other non-related websites for which LHL assumes no responsibility of any kind for the content or otherwise. Access to any other websites linked to LHL site is at the user's risk.
   
   
8. Luxury Home Loan is an approved Marketing Associate for Western Thrift & Loan and Columbia Trust Company with whom all license exemptions rest in order to commence business in various states listed on the "State Lending " page. All business initiated through Luxury Home Loan marketing is originated in the name of Western Thrift & Loan or Columbia Trust Company.

   ---

Lending Disclosures | return to top |

HOME MORTGAGE DISCLOSURE ACT Notice:

The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications: race, gender and income of applicants and borrowers, and information about loan approvals and denials. Inquire at this website regarding the locations where HMDA data may be inspected.

EQUAL HOUSING OPPORTUNITY:

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.

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.

CONSUMER CAUTION AND HOME OWNERSHIP COUNSELING NOTICE - CALIFORNIA | return 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 or go to www.hud.gov/fha/sfh/hcc 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 may 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

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

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.

AREAS OF OPERATION

Please see the states we lend in page.

| return to top |