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As an Accredited Lender of National Home Loan Advocates, I am committed to providing you with the highest level of fair and ethical lending service you will find in the industry:
- I will work closely with you to fully understand your situation and goals to provide you with the best mortgage financing guidance available.
- I will always provide you with guidance that is in your best interest.
- I always adhere to all state and federal mortgage laws and regulations, but not limited to RESPA, TILA, the Fair Housing Act, and the Equal Credit Opportunity Act.
- I will honor all representations I make to you either verbally or in writing.
- I will provide you with timely disclosures that reflect the terms we have discussed. If at anytime during the process the market, product guidelines or underwriting guidelines change, I will inform you immediately.
- I will provide you with rate, points, and fee lock confirmations in writing.
- Any payments or fees paid upfront to me will be clearly documented and credited.
- Any payments made to a third-party will be documented and credited clearly.
- I adhere to all consumer privacy and security laws.
I have earned and maintain my NHLA Accreditation that commits me to honest and transparent lending practices. I endeavor to help NHLA raise the bar in mortgage lending standards and help consumers navigate this very important financial decision safely and successfully.
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