Legal and Regulatory
Hearth Lending (CS Finance Corp) NMLS License #2497292
www.nmlsconsumeraccess.org
For consumer inquiries please email us at customercare@hearthlend.com
CS Finance Corp is authorized to conduct Mortgage Lending business in the following States:
LICENSING DISCLAIMER
| STATE | LICENSE |
|---|---|
| California | Financing Law License |
| License/Registration #: 60DBO-183899 | |
| Colorado | Mortgage Company Registration |
| License/Registration #: 2497292 | |
| Florida | Mortgage Lender License |
| License/Registration #: MLD2526 | |
| Louisiana | Residential Mortgage Lending License |
| License/Registration #: 2497292 | |
| Maryland | Mortgage Lender License |
| License/Registration #: 2497292 | |
| North Carolina | Mortgage Lender License |
| License/Registration #: : L-219870 | |
| Texas | Mortgage Company License |
| License/Registration #: 2497292 | |
| TAC § 81.200(c) Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to: Texas Department of Savings and Mortgage Lending 2601 North Lamar, Suite 201 Austin, TX 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550 . The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's website at www.sml.texas.gov. | |
| Virginia | Lender License |
| License/Registration #: MC-7771 | |
| Washington | Consumer Loan Company License |
| License/Registration #: CL-2497292 |
To verify licensing please visit www.nmlsconsumeraccess.org
STATE OF ILLINOIS COMMUNITY REINVESTMENT NOTICE
The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.
Equal Housing Opportunity Lender Notice
We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin.
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:
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.
If you have any questions about your rights, or if you wish to file a complaint, contact the management of this financial institution.
Important Notice
Due to changing market conditions and borrower eligibility, interest rates can change daily. Your exact interest rate will depend on the date you lock your rate. Your total finance charges may be higher over the life of the loan. County restrictions may apply. Additional restrictions may apply. To estimate your current mortgage payment we used information obtained from public records. If you have more than one mortgage, this public information may include the total of all of your mortgages.
Cash-Out Program Disclosure
Eligibility for the Cash-Out Program is to be determined with your current credit score, home appraisal, income verification, and additional requirements if necessary. Cash-Out Program may not be available on properties located in the State of Texas.