Disclosures

Licenses

Patriot Pacific Financial Corp NMLS #1921615Licensed by the California Bureau of Real Estate, Broker #02103516
Patriot Pacific Financial Corp and HomeLoanArtist.com are not a Government agency, and do not officially represent the HUD, VA, USDA or FHA’s opinions. Please verify all information.*

*This is not an offer to lend.

** Read: CFPB’s Know Before You Owe

** Download: TILA-RESPA Integrated Disclosure (Guide to the Loan Estimate and Closing Disclosure)

All approvals and rates are not guaranteed until locked, and are only issued based on standard FHA, VA, USDA, Fannie Mae, Freddie Mac or other mortgage qualifying guidelines.

Tax Advice Disclaimer

We are not a law firm, tax or financial planning organization. We do not provide legal, tax or financial planning advice. If borrowers require such advice, we recommend you consult with legal counsel or other licensed financial professional advisors of their choosing.
You should check with an attorney and your Certified Public Accountant prior to acting on any of the information that is contained in this blog.

Home Mortgage Disclosure Act

Enacted by Congress in 1975, the Home Mortgage Disclosure Act legislates the reporting of loan data by lending institutions. This includes geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials.

This data is reported by the lending institutions on the first of March for loans and applications of the previous calendar year.

Equal Credit Opportunity Act

In accordance with the Equal Credit Opportunity Act, Patriot Pacific Financial Corp 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.

About This Site:

This blog (HomeLoanArtist.com) is not acting as or representing a bank / mortgage lender by offering a commitment to lend. The content written by each author on this blog is solely intended for information purposes.

The individual authors on this blog are responsible for their own content and do not necessarily represent the views and opinions of the other contributors.

This is a personal web site, reflecting the opinions of its authors. There are many different contributors to this blog and in no way is it a production of any one employer or employee. Statements on this site do not represent the views or policies of anyone other than the post or article author.
The information on this site is provided for information and discussion purposes only, and is not a recommendation of any type for mortgage financing options or selecting a Realtor. Nothing in this website shall be construed as an offer to enter into a loan agreement, purchase a home, enter into a purchase contract, hire a professional of any kind or take any action whatsoever.

Due to the nature of this website, typo’s, errors, and unintentional misstatements of fact may occur. In no event shall the publisher of this website or any affiliates be liable for any direct, indirect, punitive, incidental, special or consequential damages arising out of or in any way connected with the use of this website, whether based on contract, tort, strict liability or otherwise.

Comment Policy:

Reader comments are encouraged! But please, be civil. This does not mean you have to agree with anything I say here. In fact, I welcome debate and encourage people to express what they feel.

We delete all spam that we can find – it is not allowed on this blog. In addition to the “typical” spam of things such as prescription medication, porn and deeply discounted software, blatant self-promotion, and advertising will not be tolerated. I understand the need to advertise a business or product. We don’t want to be put in a position of determining whose advertising should be here and whose should not. So the rule is no advertising in the comments. If you want to advertise on this blog, just please contact us directly.
Personal attacks will not be tolerated and will be deleted.

We will *occasionally* edit a comment, but will *never* change its intent. The only thing I will edit a comment for is format, and then only if it “breaks” the blog display. I will also edit the occasional URL to “hot link” it for the convenience of other readers. Strong language may be edited — kids read here.

Another Disclaimer Just In Case:

This is not a commitment to make a home loan. Not all people will qualify for a home loan. The terms and specifications contained herein are not guaranteed. Mortgage products may change at any time without notice. We make no guarantee, representation or warranty as to the accuracy of the information referred to on this website. The content of this website does not constitute professional or legal advice of any kind and may not be relied upon as such. The viewer is advised that they should consult with an accountant, financial consultant, tax advisor, and/or attorney before deciding to finance a home. We disclaim all liability that may arise out of any error or omission in the terms and specifications contained herein. We are not the government. Lending only available in California.
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