Disclosures and Licenses
NonBank Lending Center is not a lender or a broker. NonBank Lending Center performs marketing and computerized loan matching services. The information provided by you to NonBankLendingCenter.com is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender or broker. If you are contacted by a lender or broker that advertises with NonBankLendingCenter.com and you submit a loan application to such lender or broker, your information remains between you and that lender or broker. We do not take applications or collect other documents from potential borrowers, make loans, or accept or facilitate loan payments. As a marketing lead generator, NonBank Lending Center is required to be a licensed mortgage broker.
NonBankLendingCenter.com does not endorse, warrant or guarantee service or products of any lender or broker and does not guarantee and makes no representations of any rates, points and loan programs posted by advertising lenders and brokers. All information is subject to change without notice. This is not an advertisement for credit as defined by paragraph 226.24 of regulation Z. NonBankLendingCenter.com shall not be responsible or liable for any products, services, information or other materials displayed, purchased, or obtained as a result of any information or offer in or results of any kind obtained in connection with this web site, including, without limitation, any agent referrals, loan recommendations, application, approval, pre-qualification, loan or interest rate analysis. Nothing on this web site contains an offer, promise or otherwise, either to make a specific loan or that any participating lender or broker will make any loan for any purpose or on any specific terms.
In no event shall NonBankLendingCenter.com be liable to anyone for any delays, inaccuracies, errors or omissions with respect to the information or the transmission or delivery of all or any part thereof, for any damage arising therefrom or occasioned thereby, or for the results obtained from the use of the information. The entire risk as to the accuracy, adequacy, completeness, timeliness, validity and quality of any information is with the user.
California Michael A. Clem d/b/a NonBankLendingCenter.com is a Licensed California Real Estate Broker. NonBankLendingCenter.com does not make mortgage loans or commitments. License No. 01430967
CA Dept. of Real Estate, (916) 227-0931
The Housing Financial Discrimination Act of 1977 Fair Lending Notice
It is illegal to discriminate in the provisions of or in the availability of financial assistance because of the consideration of: (a) 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; or (b) 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, or 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 residence occupied by the owner and for the purpose of the home improvement of any one-to-four unit family residence.
If you have any questions about your rights, or if you wish to file a complaint, contact the management of this institution or the agency noted below.
Bureau of Real Estate
Mortgage Loan Division
1651 Exposition Boulevard
Sacramento,
California 95815
Department of Business Oversight
320 West 4th Street
Suite 750
Los Angeles, CA 90013-1105
If your inquiry is forwarded to a Lender that makes you an offer, within three business days from the date you submit an application to the Lender you should receive from the Lender a good faith estimate required under RESPA and an initial disclosure statement required under the Truth in Lending Act.
If the Lender denies your request for credit, and that action is based, in whole or in part, on any information contained in a consumer credit report, you have the right to obtain, within sixty days, a free copy of your consumer credit report from the credit reporting agency which compiles and maintains files on consumers on a nationwide basis. You also have the right to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency by contacting that agency directly.
An applicant, if married, may apply for a separate account.
Mortgage Loan Disclosure Statement
NonBank Lending Center will receive a fee from a Lender upon passing along your inquiry as compensation for its services as a mortgage broker. NobBank Lending Center receives this fee whether or not you close your loan. This is the total compensation NonBank Lending Center receives from the Lender for its services and the Lender pays this fee. I acknowledge that this mortgage broker fee will be paid to NonBank Lending Center and that there is no other mortgage broker fee agreement between us.