LICENSING

DISCLOSURES

Directions Home Loan is an Equal Housing Lender. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from “DHL” will never be discouraged on the basis of race, color, religion, national origin, sex, military status, marital status, age, or because you get public assistance. All information we request is voluntary, and will be kept confidential.

For more information on the ECOA, please visit:
http://www.ftc.gov/bcp/conline/pubs/credit/ecoa.shtm

Additional Disclosure Requirements
Directions Home Loan DBA Directions Equity is a licensed mortgage lender. Some states require specific licensing information, which is found below.

Directions Home Loan NMLS: 214519

California: Pursuant to California Health & Safety Code §35830; California Code Reg. tit.§7114

It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of:

1. 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 unsafe and unsound business practice; or
2. Race, color, religion, sex, marital status, domestic partnership, 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 a 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 residences 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 financial institution or the Department of Financial Protection and Innovation at one of the following locations:

• 300 S. Spring Street
  Suite 15513
  Los Angeles, CA 90013-1259
  Tel: (213) 897-2085
  Fax: (213) 897-8860
•  320 West 4th Street
  Suite 750
  Los Angeles, CA 90013-2344
  Tel: (213) 576-7500
  (866) 275-2677
• 1350 Front St. #2034
  San Diego, CA 92101-3697
  Tel: (619) 525-4233
  (866) 275-2677
• 7575 Metropolitan Drive
  Suite 108, San Diego, CA 92108-4421
  Tel: (619) 682-7227
  Fax: (619) 682-7217

• 2101 Arena Blvd.
  Sacramento, CA 95834
  Tel: 916-445-7205
  (866) 275-2677
• One Sansome Street
  Suite 600
  San Francisco, CA 94104-4428
  Tel: (415) 972-8565
  (866) 275-2677
• 45 Fremont Street
  Suite 1700
  San Francisco, CA 94105-2219
  Tel: (415) 263-8500
  Fax: (415) 288-8830

This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all dollar amounts. Other restrictions and limitations apply.

 Texas: For Texas Consumers Only
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY REGARDING THE ORIGINATION AND/OR SERVICING OF YOUR MORTGAGE LOAN OR A COMPLAINT AGAINST A RESIDENTIAL MORTGAGE LOAN ORIGINATOR CONCERNING RESIDENTIAL MORTGAGE LOANS ON REAL ESTATE LOCATED IN TEXAS SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENTS WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.